remortgaging house with government first buy scheme
Hi all We bought a new build house last year. We have the next 5 years to pay off as much of the 65k the government loan as possible. Does anyone know if its possible to remortgage after a few years in...
View ArticleDon't Know what to do with L&G
Ive got a bit of a situation with Legal & General with regards to some critical illness cover, and Im not sure what my next step should be. Back in 2006, my IFA recommended some Critical Illness...
View ArticleSo many mistakes on paperwork
We bought a house from a new development under the new 'help to buy' scheme last month. We have had the mortgage offer, the deeds and a whole bunch of paperwork from the solicitors but on every single...
View ArticleHELP TO BUY: putting in a deposit of 5.1%?
Hi there, upon regarding other threads, It seems you might increase the chances of being accepted for a mortgage if you add a little bit on the deposit for a mortgage. So I have a 5% deposit, if I make...
View ArticleBuy To Let Borrowing
Does it make a difference to the size of a mortgage loan when making an application? For example would I have more chance to be accepted buying a property at £90,000 than £150,000 with 25% deposit?...
View Article'How much can I borrow' online calculators - how accurate
Hi, I'm looking to be a FTB in roughly 2 yrs and trying to do some homework before we do any proper searching. I've been getting some mixed information and was wondering just how accurate these online...
View ArticleSelf-Employed Mortgage Help
Friend is self-employed and looking for maximum mortgage to borrow. Any lenders particularly attractive for self employed people? How much do they typically lend. She is getting conflicting info from...
View ArticleBuying house from family member
Hi all, I plan to buy my first home from a family member. The scenario is: - Family member has unoccupied property, which requires extensive renovations - Family member no longer wants the property and...
View ArticleClearing Mortgage advise needed
Hi Figures are not exact, I have used the overpayment calculator to get the idea. I understand that rates can go up and down. I have a 3 part mortgage with Nationwide with 8.5 years left on all. I can...
View ArticleOverpaying mortgage
I want to make overpayments that reduce the term of the mortgage as opposed reducing future repayments. I phoned our mortage company YBS and they told me that to reduce the term we need to pay a fixed...
View ArticleNatwest
Hi I recently got declined for a mortgage with halifax due to errors on my credit report (wrong date) which has now been fixed. I applied with natwest and rang them today they said its come back from...
View ArticleOld Mortgage
Hi Not sure if anyone can help. My first ever mortgage was arranged in 2000 through a financial advise centre via GMAC. I cant remember who the payments went to and I cant check with the bank as I...
View ArticleRemortgage advice/renegotiate current mortgage
I'd like some ideas on any better plan than this. Long story so I'll try not to waffle. Putting a few mortgage & pension statements away and P60s etc prompted me to look at my budget & write a...
View ArticleRemortgage BTL for another purchase - 1 or 2 applications?
Question for the fellow forum members... We currently have 1 BTL property which is virtually mortgage free (only a nominal amount outstanding). (Flat 1) We now have an option to buy another flat (Flat...
View ArticleBuy-to-let mortgage
We have been informed today by a mortgage broker that we are not eligible for a btl mortgage as all our income is from Pension income, he says it has to be from employment. This doesn't sound right to...
View ArticleEndowments and tax implications
Hi, My endowment has run it's course and will pay up next month and I am going to cash in a second endowment 3 1/2 years early. Both of these together will pay off the remainder of my mortgage (luckily...
View ArticleAdding Hubby to Mortgage?
Hi everyone, after a little bit of advice. I bought a house 2yrs ago (when hubby and I were engaged) which at that time was placed in my name with the mortgage in my name only. Reason for this was that...
View ArticleMortgage arrears letter received - banks error?
Hi All We have always paid our mortgage on time by direct debit and have made overpayments since coming out of our fixed period in April. To my horror yesterday we received a long formal letter from...
View ArticleMortgage on temp contract? Looking for advice.
My partner and I are looking to buy our first house. We have £40,000 from inheritance for a deposit. BUT I am currently on a temporary work contract which is long term/ongoing and I have been told I...
View ArticleMarriage breakdown, mortgage advice needed please!
Hello, I'm not new to this site, but due to a marriage breakdown I've decided to go by a different username. I'm looking for some advice please as I'm not sure what to do next. Current situation;...
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