mortgage advice
Hi some advice would be much appreciated. I own my grans house currently and have done for past few years now (on a 3 year fixed deal with 6 months left). I live in rented accommodation with my...
View ArticleHalifax Mortgage Check
Hi Apart from getting my annual statements via the post I don't check, or rather can't check, the balance online. I don't have any other products with them. Do I need to register online to be able to...
View ArticleMortgage Applicant Age Question
Hi Just a quick one. Can you still apply for a 25 year mortgage at aged 40? We want to buy in 5 years, hubby would be the main applicant at aged 40 (maybe aged 39 just before if we can) and I would be...
View ArticleWhat happens to my mortgage if my girlfriend moves in?
I'm looking for a house and intending to apply for a mortgage. The lenders want to know who's going to be living there? Why does that matter? What happens if I buy the house and later my girlfriend...
View ArticleLtv for new buy / help to buy schemes( lenders see as 95% or 75%)
Hi quick question when buying a house with a deposit of 5 % + 20% from the goverment what do halifax class the LTV ratio is it classed as a 95% or a 75%. Not seen much written on this so im a little...
View ArticleMortgage deposit - Inheritance
Hi guys, When I was 18 I inherited 6800 from my gran's will, she died when I was 4. Now, I have a brother in the same position and we both added another 700 to make it a nice 7500 each and invested it...
View ArticleHSBC mortgage problems
Hi all, looking for a bit of guidance... Last year I drew down on a remortgage with HSBC on a really favourable two part discount rate. I was a premier customer at the time so qualified for the good...
View ArticleHow long to update experian credit file?
Hello, does anybody have any idea when experian update their files? The only negative on my file is that I am not on the electoral register, so in late March I filled in the form and registered, this...
View Article95% Mortgage - Adverse Credit
Hi, I posted yesterday regarding a property i am looking to purchase with my wife. As we were looking to buy the property under the help to buy scheme the developer said they could not reduce the price...
View ArticleCan I buy a house for my mum?? I need some advice
Hi Hopefully all you knowledgeable people can help me: My mother has been renting her house for the past 10 years or so, after a family break up. She pays £450 a month. I do not have a mortgage at the...
View ArticleOwn my home, loan to buy another????
I need advice.... I own my home outright (£170,000) and want to take out a mortgage loan to finance purchase of another property to completely renovate and move into then sell my original home to pay...
View ArticlePart Buy Part Rent - with bad credit
Hi First I would like to explain my circumstances. Some time ago I had HP for a car with Welcome Finance and defaulted on repayments (I've returned the car half term but apparently some insurance that...
View ArticleJoint or Solo application?
We are in a little bit of a strange situation and i'm not sure if im doing this wrong.. Basically I work in Leeds, my GF works in Manchester and we live between the two paying for it in travel. She is...
View ArticleHelping daughter
Hi, My daughter and son-in-law want to buy the house they are currently renting! Landlord is looking to sell in August. Unfortunately they are both bad credit risks per experian. He has CCJ and she has...
View ArticleCan you move house (remortgage) whilst having a secured loan
Hi Everyone We're hoping to buy a new house next year but will have have four years left of a secured loan to pay. We're hoping to pay down our unsecured loan in the year as we consider this to be more...
View ArticleHelp to buy schemes - very confused
Hi and I hope you can help to put me straight. I'm 29, living at home (no rent/bills) and looking to purchase (FTB) within about a year - likely in 2014. I earn around 25k and have built a good deposit...
View ArticleMortgage Offers on a new build property
Hello All, I was hoping that one of you may be able to help me. I have recently reserved a plot on a new build development which isn't due to be completed until April/May 2014! As I have reserved the...
View ArticleFirst time buyer: Mortgage
Hi All, I am a first time buyer. I have a quick question regarding my purchase. I recently made an offer on one property which is worth £277,000. I have my mortgage approved by Halifax. I am putting...
View ArticleMortgage options pre-job
Hi all I start a job in London in September (but am a student until then), but am keen to buy a flat before I start. I have around a 20% deposit from the sale of a previous house. I gather that some...
View ArticleMortgage options for future self employed
Hello, I'm currently getting a mortgage. Both myself and my OH have full time jobs. We are currently looking at a 2 yr fixed deal. However, in the near future I'm considering going self employed, doing...
View Article