FTB LTV ratio
Hi all, Me and my partner have been initially quoted by a broker for a 90% LTV mortgage (not yet got an AIP), however we've realised that on a 100k house mortgage we can probably now afford 15% deposit...
View ArticleAdvice please on mortgage redemption fee
My husband & I are buying a house and transferring the mortgage that we have on our flat as part payment on the new property (and getting a new mortgage to cover the rest with the same lender)....
View ArticleOld bad credit, getting a Mortgage, will the Mortgage company find out?
Hi Just applied for a mortgage and gone through the various checks, which all came out ok and the mortgage company have agreed to provide the money, all good. My credit report is great, even...
View ArticleCredit check for mortgage
I am applying for a mortgage with Halifax but it was put on hold as our vendor confirmed the property was a freehold. In the meantime I have found a better deal through First Direct. I spoke to Halifax...
View ArticleTransfer of mortgage
Hi, I bought a house a few ago with my then girlfriend and we subsequently broke up. She is happy for me to take on the house and the bank have agreed in principle to let me do so. However, I'm trying...
View ArticleMAS no5 intrest rates
Hi guys, It seems from doing my research that MASno5 have a terrible reputation. Having put up with the ridiculous rise in interest rates, from 2.99% up to 6.25% over the past 5 years, I have had...
View ArticleFATO: Brokers/Mortgage Advisors who use Natwest.
Howdy folks. Myself has applied for a lovely new build propery through the new government help to buy scheme. I have chipped in with a 5% deposit and the government has agreed to lend me the 25%....
View ArticleChange of credit circumstances between exchange and completion
Hi all, I was wondering whether anyone would be able to offer any insight as to where I stand on the following: Mortgage offer accepted in February on a new build property due to complete at the end of...
View ArticleFirst time mortgage for contractors
I've been thinking of getting mortgage, it would be my first. I'm contractor and my partner is in full time job. With my past experience I can tell that Banks don't like contractors. Do I stand a...
View Articlewhich survey is best for 40 year old property
I'm a FTB, liked a house, it's built in early 70s. To me it looked all good. Can someone tell me which survey is proper one to do on this kind of property. What is the approximate fee for that?...
View ArticleMortgage application - employer checks
Any ideas at what stage the lender may check with employers, or indeed whether checks are still undertaken?
View ArticleGuarantor Mortgage from parents over 70 (but have a large residual business...
Hi, First post, I've searched many forums and websites but can't seem to find any solid information on this subject. I'm posting this thread in the hope someone may be able to help me directly. I'm...
View ArticleMortgage Retention
Hello, I am looking for some advice as a first time buyer. We have a mortgage agreed for 90% LTV on a property as first time buyers. The survey suggested a £7000 retention which the mortgage company...
View ArticleUsing extra facility on offset mortgage to finance a buy-to-let purchase
I have extra borrowing available on the offset mortgage for our family home that I'd like to use to help finance a buy-to-let property. The money is available to me now with a phone call but I will...
View ArticleQuick question please!
Hi, sorry to ask a rather simple question but I use this website as my first source of guidance when it comes to money matters but can't seem to find the answer to what will be a simple question I'm...
View ArticleMortgage wanted for 40 ish divorcee contractor
Hi, my partner and I are splitting up. He is buying me out of the house & my name is coming off mortgage. I have credit card debts of about 18k, but all up to date/no defaults. They are in my name,...
View ArticleRemortgaging - who does the valuation?
We are due to remortgage next year. We have a 15% deposit (bought last year). We got a good purchase price and have done a lot of cosmetic updating to the house. Estate agents locally value it at 10-...
View ArticleIs this possible?
Basically, I am currently not in a position to get a new mortgage as I am still waiting for my passport from UKBA. I seen a house that I am very interested in and I have checked with my solicitor that...
View ArticleNew mortgage application
I have been renting for the last 5 years although did have a mortgage prior to this which was paid off in full. I am now looking to buy a house again and take out a mortgage. My query is, could I be...
View ArticleToday's tip - payday loans
This year we have seen a number of adverse credit mortgage applicants who have been taking payday loans in the mistaken impression that they will improve their credit rating. :o Please note that payday...
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