Smaller mortgage vs larger mortgage for desirable location & property
If anyone doesn't mind wading through this, could you help me see the wood for the trees? Trying to work out the best thing to do - from both a head and heart point of view. Basically I'm trying to...
View ArticleFTB - six months of bank statements query
Applied for a Save to Buy mortgage with Nationwide and - in anticipation of this - recently transferred the contents of several ISAs I held with Barclays into my Save to Buy account. The mortgage...
View Articlebest current 5 year fix 60%LTV
ive been looking into a first time buyer mortgage does anyone know of any better deals than these two i have come across first direct 2.99% 5 year fix, reverting to 3.69%, no fees hsbc 2.99% 5 1/4 year...
View ArticleSelf Employed Mortgage - Confused!
Right guys am very confused..... I had my house up for sale last year but was made redundant so took it off the market. Then an opportunity came up to become self employed so I took it. Having spoke to...
View Articlesalary v hourly pay problem
Am I stuck? im contracted to work a 6 day week, i do 7am till 5pm mon to friday and 8.30 to 5.00 on a saturday I have worked with my current employer for 30 years, and these hours for 20 years my last...
View ArticleBTL mortgage possible for a student with savings but no income?
Hi there. I am a 21 yr old first time buyer looking into the possibility of a BTL mortgage. Firstly, I should ask whether this is even possible considering my lack of income? I've read that so long as...
View ArticleHow Early do you remortgage
Our 3 year fix runs out in October 2013 - when do I look about arranging a new deal to take over when this one runs out? many thanks
View ArticleBarclays mortgage referred....
Hi all, We applied for a joint mortgage through Barclays and out LTV is 40% and we have £160k deposit to put down from the sale of our house. My partners credit score is excellant (987 on experian) but...
View ArticleTimeframe advice
Hi all, Myself and my partner applied for our mortgage through Natwest in Thursday 16th May but have not head anything since and are waiting for an update from our financial advisor. We received at...
View ArticleMortgage Express - Incentives to leave
Hi, Has anyone heard off mortgage express offering incentives to leave? I got some advice from an independent advisor the other week, who hinted that as Mortgage Express no longer offered new accounts...
View ArticleFTB, moving home before a mortgage application - what would you do?
Hi guys, I posted this in the house buying forum but was advised to try here so apologies for the duplicate post! I'd love some advice on my current situation! I'm currently a lodger and I had an offer...
View ArticleJob change before mortgage approval?
We're in the process of negotiating on a couple of houses and we want to complete as soon as possible. We've got a mortgage in principle but I have just accepted a job offer (not yet in writing but...
View Articlenew mortgage with previous bad credit
hello everyone, Lots of help and advice needed and I am sure you guys can all help. I am a single parent with a 4 year old daughter and looking to purchase a house. I am looking to buy at £200k with a...
View ArticleDefault with Nationwide - save to buy?
While going through my credit files (I am also a discharged BR - 6 years this year) I have found a default from Nationwide for £58. An account I had open with my ex and he looked after (stupid I know)....
View Articlechances of getting a mortgage?
Hello Peeps, I am batting some ideas around at the mo trying to make my life nicer along the way. Anyway.. I own half a house, which I dont live in which has no mortgage. The house I live in is owned...
View ArticleMortgage with X Partner
Hi all!!! Second Money matter question of the evening :-) I bought a house with the ex boyfriend 4 years ago, we had only been in the house 6 month when i left, so I have not contributed since October...
View ArticleLondon & country mortgages - free broker service?
I am just wondering whether anybody has used the above company and are there any catches? Many thanks (In addition, can anyone recommend a free mortgage broker service??)
View Article30/70 re-mortgage
Hi all, My 3yr deal ends on my mortgage this August & we want to re-mortgage for a bit more to cover the cost of home improvements (thinking 10k) our current lender Santander won't let us do it on...
View ArticlePenalty on redemption
I took a 10 year fixed rate mortgage in 2007 at 5.39% with Woolwich/Barclays. Now 6 years on and due to the interest rates being very low I am looking to change - the issue is that the penalty for...
View ArticleCalculating overpayments without going over penalty clause
I'm currently trying to work out if its worth overpaying the mortgage on my property (currently rented out). I can use the overpayment calculators but can only overpay a max of 10% per year without a...
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