Earnings reduced - my mortgage is 6 x earnings
Hello everyone, this is my first post and I've had a quick look to check this subject hasn't been discussed before. Any advice would be greatly appreciated. I am currently maintaining my mortgage...
View ArticleWorking out where to start
Hi I am currently looking at applying to see if I can get a mortgage. I have a good deposit saved up and have a regular income as well. Looking at all the mortgage info is quite daunting and so no idea...
View ArticleSelf employed mortgages after governement changes
I understand that the government as improved things somewhat for mortgage market, providing cheaper money to mortgage lends and new rules to help with deposits. My question is directed to mortgages for...
View ArticleHalifax FTB Mortgage - Stamp duty included - Slow processing
Hi, I am currently waiting on Halifax to get back to me on my first time buyers mortgage application. I am buying a house for £225k and have a £50k deposit. I did a full application on the 25th May and...
View ArticleBenefit in kind effect mortgage query?
Hi all, My employer is offering a mortgage product of 2.24% (1.74% above base) to employees. I have recently came out of my probation period and i'm thinking about applying for a 95% mortgage with...
View ArticleRemortgage with view to sell
Looking for some advice on our current mortgage/house ownership situation... We have a house with a mortgage that has just switched to SVR (repayment mortgage). We currently owe £216,000 and the house...
View ArticleTax implications of paying my mums mortgage..
Afternoon all, Situation: Since my mother stopped working (5 yrs ago), i set up a standing order to her account to pay her mortgage. Every year I pay a lump sum towards the reduction of the total...
View ArticleSkipton building society
Hi all Applying for a mortgage with Skipton directly for their special birthday mortgage at 3.99% for 90% ltv for a new build. Passed the decision in principle and have submitted the application forms...
View ArticleWhen to instruct solicitor?
Once i have an offer on a place accepted i instruct halifax and pay them the valuation (I'm going with the one buyers report on top of their mortgage val). I was wondering when is best time to instruct...
View ArticleMortgage over payments
I have a mortgage which is separated into different parts, i.e. the capital itself and the fees which were added to the mortgage are in 'separate accounts' of the same mortgage. Interest is the same...
View ArticleLondon & Country Mortgage Brokers - Warning!
I used this firm as they came highly recommended on moneysavingexpert.com God knows why Martin Lewis thinks so highly of them. I found them to be a bunch of cowboys. The 'mortgage adviser' I spoke to...
View ArticleMortgage for buying further share of flat
Hi, I currently have a 40% share of my flat and a mortgage with Barclays. I would like to buy the remaining 60% share. I remember Barclays explained to me, they will give me another mortgage in future...
View ArticleFirst Time Buyer - I have a poor credit rating, my partner doesn't..help!
Hi, Me and my partner are looking to get a mortgage together. Unfortunatly I have a poor credit history. I've not had any adverse payments for a couple of years now but it's still really poor. I'm in...
View Articleshared ownership - stair casing
Hi all, We are currently on the housing market in our shared ownership property. We currently have a mortgage for 25% of the house and also pay rent for the other 75% of the house which is relatively...
View ArticleWhat % deposit for a good mortgage deal?
I know the bigger the better but what would you say is the minimum loan to value for good deals? Its all so confusing trying to use all the comparison site.
View ArticleChances of getting a mortgage
We've had an offer of 120, 000 accepted on a reposessed house, and we believe this is our dream house!! I keep thinking we're going to get rejected for a mortgage, not sure if my concerns are real....
View ArticleStuck on mortgage with ex. Help!
I'd love anyone's help with this, I have a mortgage with my ex, we have been separated for 5 years, (mortgage for 7 yrs, last valuation 2 years ago 65k remaining mortgage 72k) he lives in the house...
View ArticleBuy to let or not
I want to buy a bigger house, I have a basic mortgage arranged, the sale of my own house fell through. I want to rent my house out now, do I apply for a buy to let mortgage, or carry on with the basic...
View ArticleRTB advice please
Updated Please see post 3 Hoping to read some experiences of RTB and i thought i had seen a sticky or similar somewhere but i can't get the search to work well. Anyone point me in the right direction?
View ArticleDo you HAVE to use endowments to pay off M'gage?
Hi, My friend's parents' (64 and 67) three endowments mature this year, the last matures 19th November. Their morgage was £21k (With Barclays/Woolwich) and the latest prediction is that the endowments...
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