LTV & End of Fixed Term
Hello Sorry if this has been asked before, but a quick search didn't yield me any results. We brought a property for £131,000 earlier in the year with a 20% deposit. We are currently on an 80% LTV...
View ArticleAnother will I get a mortgage question
Hi everyone I have been looking on the Internet at the mortgage calculators and they seem to vary so much that I am confused as to how much I will actually be able to lend for a mortgage. Details as...
View ArticleRepay mortgage or do something better with the money
Hi, I'm looking for some advise; both about what i should do, and what i could do. I'm in the fortunate position of owning a house with a mortgage, and have the same about of cash in an easy access...
View ArticleCommercial Mortgage
I'd like pointing in the right direction if anyone can help? I've two properties, my current home and and a commercial property. The commercial property is currently rented out and I'd like to get a...
View ArticleBd credit mortgage
Hello. Hoping someone can advise me. My husband and I have recently finished a debt management plan which took 4 years to clear. Unbeknownst to me as we cannot find or recall receiving paperwork there...
View ArticleAre Platform / Co op still lending with the Co op fiasco?
I applied through a Mortgage Broker for a £80,000 mortgage on a £95000 house on 26th April via Platform Home Loans. I have a £40000 income and my credit score at Experian is 999. I have an excellent...
View ArticleSurveyors backed out due to conflict of interest?
Nationwide instructed Countrywide to do a valuation. Ive been following up since Tuesday to try and get a date, and when I called them today they said theyre referring me back to nw due to conflict of...
View ArticleIs my FA correct or should I look elsewhere?
We have just started looking for a new house. Went to see a FA a couple of days ago, he has been recommended by a good friend. He said that he won't do any of the mortgage stuff until we find a house...
View ArticleMortgage to buy next door
We are looking to increase the size of our house and we have been offered the opportunity to purchase next door. We have a mortgage on our current property and will need further mortgage funding to...
View ArticleExplaining the basics to someone just learning
Hi, I'm just dipping my toes in the water really, have been to see 2 independent financial people to discuss where I'm at and they both said mortgages could go up to 5 x salary for my circumstances....
View ArticleHow to figure out how much income to/can allocate to mortgage repayment?
We saw an IFA yesterday about mortgages & he was very helpful & explained a lot including what we can borrow, which was more than i thought (but we wouldn't want to be going top end anyway). As...
View ArticleHalifax Mortgages - 'soft' searches only?
Has anybody completed on a Halifax mortgage with only a few 'soft' searches left on CRA reports? I bank with Halifax, and went through AIP and full application with only a few 'mortgage quotation'...
View ArticleSorry! Another query on the Coventry Building Society!
I posted at the start of the week due to the fact when we submitted a mortgage application with the Coventry we were led to believe through the DIP we were allowed a certain amount for our mortgage but...
View ArticleMortgage for buyer of renovation property
We have just bought a house that we are planning to do up and then sell on. Doing it up is likely to take a couple of months. I found some information on the internet that worried me - it said that a...
View ArticleChanging Mortgage Mid fixed term
I have a mortgage with Nationwide about half way through its initial fixed term. I believe there is a penalty for early redemption but was wondering if there are any angles/ways to wriggle or do a new...
View ArticleMortgage Guarantee Scheme January 2014
Hi - does anyone know if this will be available throughout UK ie Northern Ireland???? Thanks
View ArticleBest Way to buy a second property
I want to buy a second property to rent out. Value approx 150K I have a property worth 400K, 100K mortgage outstanding for 9 years. Current mortgage deal is 2.4% fixed for 2 years. Q's: 1. Can I simply...
View ArticleFirst mortgage installment
My lender is Nationwide. Am wondering when does the first instalment will go? Will it go on move in date? We are moving on June 28th? Thanks in advance.
View ArticleBuy to let mortgage-do i use broker?
Hi I am currently looking for a new BTL mortgage as my old one expires end July. I have done a bit of research but not sure if to do myself or go through an advisor as sometimes they can get rates we...
View ArticleWould this be an unwise move?
Id really value the brokers opinions on this :) I want to put an offer in on a house ive seen and can (just) scrape a 15% deposit My problem is a past IVA that came off my credit files in March 2012....
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