remortgaging
Hi Members, I am in a dilemma, I currently have a joint mortgage with my wife and have had the mortgage for 15 yrs. last year our marriage was going through some difficulties and we separated for 6...
View ArticleIFA London
Hi All, I am looking for an IFA in London for the following situation. Me and my partner own a flat in Edinburgh (180K) paid off. We both work and moving to london in Augustus. We are looking to either...
View ArticleSmall mortgage - best options?
For the past couple of years I have been saving towards moving to another house (I already own my current home outright). If I continued to do this I'd have enough to buy the property I wanted outright...
View ArticleBad Credit Rating/Partner Great Credit Rating
hi, just hoping someone can help me out, me and my partner are looking to buy, however i have a terrible credit rating. on the plus side my partner has an excellent rating. How will this go on our...
View ArticleNew Mortgage - Please read this and Help
I earn 40000 per annum. This is my gross. My take home after all deductions (NI / Tax) and taxes would be around 2550. I am not putting in any money for Pension. Iam planning to buy a house in London....
View ArticleAre Halifax a good option?
Hi all, we have today had an offer accepted on a 3 bed semi costing £195K Me and my wife are FTB with currently a 10% deposit Our joint income is around £47k Our credit history is as follows: Myself -...
View Articlenearly ready to apply for a mortage - my plans...
Hi all, hope you're well! I thought I'd share my situation with you,for peace of mind really,so I welcome constructive comments! background..After a divorce & repossession many years ago (1999)...
View ArticleHelp to Buy - through a broker or direct?
Hi all, I was all set to do this solo and go directly with Halifax - I have an appointment on Saturday - but I spoke to a really helpful financial advisor yesterday (independent I should add) and he...
View ArticleMortgage Offer Received!!!
Hooray!!!! Received our official mortgage offer this morning!!!! Thank you to everyone for whatever advice I have been given either directly or indirectly on here. It's been a bottomless pit of useful...
View ArticlePulling our hair out
Hoping someone can help me here. Our mortgage broker is starting to annoy us a little bit and the fact that he is going to charge us for using him at the moment takes the mick. We reserved a property...
View ArticleHow much will they use?
My hubby earns arounf £6k in overtime on his duty at work & £7k a year on his 2nd job anyone know if nationwide will take the whole amount into account when working out how much we can borrow or...
View ArticleHelp Please! solo mortgage application to the underwriters
Hi everyone Looking for some advice as im tying myself up in knots. Any advice welcome and correct me if im wrong as im very new to the whole mortgage world. My partner and i are looking for a...
View ArticleInterest paid goes up when balance goes down???
I've just checked my mortgage statement online and noted that in March the interest paid on the outstanding balance was less than in April, when the balance was less. How can this be? Surely if the...
View ArticleFirst Time Buyer Needs Mortgage Help
Hi All This is my first post so I hope I don't break any rules. I've been a lurker for quite sometime but now I really need advice. Me and my partner both 21 want to buy a house. We have £70,000 in the...
View ArticleMortgage refusal - Help or guidance request (Please?)
I'm sure this subject has been covered to death, but I'm at my wits end so if any of you wise folk could help me find some kind of light if would be really welcome right now. :( Circumstances are as...
View ArticleWhich? Mortgage Advisors
Hi guys, Just to guage some opinion I guess, anyone have any experience of using the Which? company's firm of independant advisors? Good/bad experiences?
View Article95 LTV success rate and mortgage/new job query
Hi there, My first question was to see how many people have been successful or unsuccessful in applying for the Clydesdale 95% LTV mortgage. I have read a couple of stories at least on here of people...
View ArticleMortgage Information
Just in theory trying to work out whether mortgages would be available for this scenario;First time buyers Currently living with parents Combined income of £41,500 Both in full time employment One of...
View ArticleHouse sharing with in-laws
My wife, myself and her parents bought a property for 320K and extended it costing 130K. We have split purchase and extension costs 50/50 My wife, myself have a mortgage of about 185k and got a good...
View ArticleFirst Time Buyer Mortgage / Credit File
Hi, This is my first post so apologies if it's in the wrong folder. My fiance & I will be applying for our first mortgage this summer and I have a few queries relating to my chances as my credit...
View Article