advice on mortgages and any chance getting one
advice on mortgages and any chance in getting one. I was on a suspended order from Nov 2008 till Aug 2011 I had a lot of bad debt till my employment tribunal paid in april 2010 and used the money to...
View ArticleHalifax mortgage - Is it must to choose solicitor on their panel?
Hi, Considering applying for a Halifax mortgage for purchase of a new build (under development) with 70% LTV (can go down to 60% depending on the standard valuation). Wanted to know if: 1. It is...
View ArticleGot an agreement in principle! - but why is the rate so high & get we get a...
Hi all, My husband and I are first time buyers and we have seen a shared ownership house we like (We are looking to buy a 50% share). Due to various factors (recently cleared off all debt & waiting...
View ArticleThinking out loud...two residential mortgage?
Is it possible for us to get a second mortgage? We still have around 130k to pay on our existing mortgage, we estimate the value of our flat at around 200k. We are now looking to potentially buy...
View ArticleQuestion on Buy To Let
Hi All I've got a question that I hope you can help me with. I apologise up front if it's stupid but I've been told no question is a silly question.....;) I'm planning on buying a new house and...
View ArticleJoint mortgage question
If for example there are 2 people who own a property need help from a close relative to get a mortgage, can they add a 3rd person to the title deed via transfer of equity so that 3rd person can get a...
View ArticleHow does HSBC treat BTL mortgage?
I am planning of converting my current flat to BTL and porting the current mortgage to a new house (need additional mortgage which if everything else satisfy HSBC criteria, they will be happy to...
View ArticleSetting date for completion
Hi all, My solicitor has emailed asking me to call him to discuss dates for exchange and completion. Am I right in thinking that if I pick a date close to the end of the month, my first mortgage...
View ArticleAdvice for benefits board post
Hi Guys, I asked a question regarding my sister-in-law which I received good advice. A poster post 8 BillAndJean commented on their friends situation which seems outrageous from the point of the small...
View ArticleCan I avoid Early Redemption Penalty by overpaying now?
Can anyone please explain whether there is anyway to avoid ERP? My 2 yr fixed rate with Halifax ends on 30th September but my sale is likely to complete in mid-August. Is there any way of reducing the...
View ArticleUK Mortgage for Brit living abroad
Hi, I'm a Brit living abroad and looking to buy a property in the UK. We have a few questions: 1) My partner is a first time buyer and I am not - we are buying jointly so how do we get around the stamp...
View ArticleHalifax overpayments
I have just switched to a 2.69% deal for 2 years and want to make the most of it. The adviser told me I am able to make 10% overpayments each calendar year maximum. My question is, with Halifax is this...
View ArticleMortgage application ground to halt - can I start another?
Any advice gratefully received. We are more than two months into the process of buying a house (and selling), and all the legalities (which were not straightforward) are almost sorted out, and we could...
View Articlebad credit mortgage advice
Hi I am now 2 and a half years debt free after selling my property to clear all defaults, inhibition etc I rent at the moment and it just feels like dead money I'm paying out every month so I'm keen to...
View ArticleDebt management and moving mortgages
Hello All Newbie Here so be gentle with me Im currently in a DMP with Greg Penn and am looking to change Mortgage Providers (NRAM) is it possible? how much of a fight will it be? is there only specific...
View ArticleConfused got our mortgage but not what we asked for
We got a mortgage offer of 120k over 33 years at 2.9% fixed for 5 years. Found a house got the survey done then this morning got sent the mortgage agreement which is different! It's now 3.4% making it...
View ArticleMortgage Advice Please
Hi there, I am now clear of my fixed rate deal and am looking to remortgage over 19 years. The house is in Aberdeen, is valued about 380k and 173k is outstanding. I earn about 47k and my wife about...
View Articleoffset vs fixed mortgage - help pls!
Hi everyone, Id really appreciate if someone could give me some guidance on two mortgages im trying to decide on as i am due to remortgage with a goal of paying off the mortgage asap: 80k balance....
View ArticleMoving mortgage but bank account overdrawn
Hi I know I probably won't get a definite answer to this but would welcome people's thoughts (or experiences if anyone has had any similar) on this situation. We are currently in the process of moving...
View ArticleVery poor credit mortgage?
Hello, posting on my girlfriends profile, looking for advice. My ex wife and I bought a house seven years ago, thirty grand deposit. We split up six months later she left and I stayed in the house and...
View Article