First time buyer! Help needed.
Hello there, Myself and my fianc!e are looking to buy our first home under shared ownership. The property is valued at £115,000 and we're looking to get a mortgage for £28,000 of that and the rest is...
View ArticleFinancing an extension
We are planning to extend the house next year, and will need to increase borrowings to achieve this. Salarywise, we can support this, but not sure about the lending situation these days. We currently...
View ArticleAre Lloyds a strict lender? Want to buy 1st house...
Hi All, My parther and I are looking to buy our 1st home and like the look of Lloyds Local Lend a Hand scheme. We have to come up with 5% deposit and the council act as a guarantor for the remaining...
View ArticleTenants in common - advice please
Since I split from my husband 10 years ago, I have had my own mortgage. It is currently valued at £18000 and my mortgage at £77000. My long term boyfriend who has lived with me for 9 years has always...
View ArticleFTB - credit cards & bank accounts
If all goes to plan then we'll be FTBs in 2013. We're aiming at a 40% deposit. Probably going to come in a little under that actually at maybe 38% as we had targets to hit this year. I hit mine but...
View Articleneed help with odd mortgage application problem
Hello all, I was wondering if anyone could advise me about my mortgage application. I have decided to get a first mortgage on a property in northern Ireland the problem is my work is in London. The...
View Articlemove mortgae but has had mortgage protector pay intrest for last 6 months
hi out there .sorry first time on a form.... ok have fixed rate mortgage at 5.45% ish . fixed until middle of 2014.. hubby made redundant due to illness..june this yearhubby unlikely to be going back...
View ArticleNatwest Consent to Let - Fixed rate ending, now what?
Hi All, I obtained consent to let from NatWest about a year and a half ago, on a property that I intend to continue letting for the foreseeable future. I'm currently on a fixed rate deal, which ends in...
View Articlemortgage application / default - any options?
Hi, I'm trying to get a mortgage for 75% of £105,000, and was provisionally accepted by Natwest, and I passed their credit check with no problems. There were other issues relating to self employment...
View Articlehome insurance and building society
Someone has said to me that I must inform my mortgage supplier ,in my case "NRAM" ,when I take out my buildings and contents insurance.. Is this true ??
View ArticleCan i keep my brilliant tracker deal
Long time browser but this is my first post. I will try and keep as brief as possible. I have a very good long term tracker deal with Barclays, 1.39% above base that was taken out in 2008. Due to house...
View ArticleSolicitor Costs
Afternoon all I am a first time buyer and going through the process of buying my first house. Been reading everything. Could anyone tell me typical solicitor costs - been quoted a varied range. The...
View ArticleMortgage and House Buying Questions
Hi everyone I've been a long time lurker but due to some changes I could really do with some advice. I've been looking at some mortgages but wondered if I would be classed a FTB. A bit of history I...
View Articledownsizing with bad credit
Hi, We have decided to move to a cheaper house to prepare for an anticipated drop in income in a couple of years. We currently have a mortgage of 190k on a house bought 6 years ago for 285k. The...
View ArticleQuick Scottish Amicable Endowment Question!
Hello. My first post...I took out a £59 a month Home Purchaser policy over 25 years starting Jan 1989, so my next payment in Jan 2013 is the last one. It is not attached now to any mortgage. The period...
View ArticleConsent to let
Help required! We spent 6 months this year selling our property only for our buyer to request a £3k "bung" at the last minute to continue the sale. We refused and our chain collapsed. We are therefore...
View Articlehow long from AIP
Sorry this is probably a "how long is a piece of string..." question. From receiving an agreement in principle how long does it take for the full mortgage offer ? Thanks in advance and a Happy New Year...
View Articleplease help with re-mortgage decision
hi to all. I have 16 years left on my mortgage,i needed £7,000 so got a deal with another lender to give me a better mortgage deal,but my new mortgage will be for 27 years instead,(and it was only £120...
View ArticleHow soon can I secure a mortgage deal?
Hello We bought a house in September with a 20% deposit, 2 year fix at 3.99%. Not the best deal around, partly because I am self-employed, and also because of the small-ish deposit (we wanted to keep...
View Articlemortgage lump sum payment
I recently made a lump sum payment on my mortgage. When making the payment, I was asked whether I would like the payment to affect the term of my mortgage, the amount owed or neither,meaning that I...
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