Change of value of property - await mortgage
Hi I was going to buy a property in Feb and decided to pull out as I had not had the chance to fully check out the market in the area. After three months I decided my heart was still set on the first...
View ArticleGifted Deposit. will it help...bad credit.
Hi All, Just wondering if anyone has any advice. been given £10,000 by a family member for a deposit for a house. we are looking at a property for £50,000 so therefore we would be paying 20% deposit....
View ArticleG E Money
Hello I'm looking for some advice regarding G E Money my husband has one default just satisfied for £118.00 bank charges and an old ccj which is due to come off his report in October and myself has...
View ArticleMortgage or loan?
We've been offered an 18-year mortgage at standard variable rate for £95,000 and monthly payment of £593. This would allow us to do renovations using money that we are getting in December/January. Or,...
View Article!!Urgent advice pls - divorce, redundancy and mortgages!!
Hi All I'd like some help please, as I'm assuming either someone on here has been through this or helped someone else who has! I have to make a decision this weekend! I'm in the FMH and as part of the...
View ArticleSeperate Residential mortgage for husband and wife
Dear MSE members This is my first post to the forum. I have been a silent follower and active user of MSE and appreciate the contributions. Now I need some help and though the lovely fellows here will...
View ArticleNationwide Mortgage Application - Online, Branch or Phone?
Offer accepted on property, need to get the wheels turning. Have a AIP with L&C to keep EA happy, but want to use NW Conveyancers. Is there any positives/negatives with either of 3 options for a NW...
View ArticleWhich mortgage companies use Equifax?
I recently applied for a Mortgage via Platform Home Loans. Platform Homes Loans made numerous errors whilst processing my application and declined it. On checking my Experian credit file Platform Homes...
View ArticleFtb needing help
Hi I've seen a property that needs doing but need some help. It's on the market for 55000 however because of the work I was advised to bid 40000 and go from there. When it comes to a mortgage if the...
View ArticleRe-mortgage and house extension
Hello, Firstly I would just like to apologise if this has been raised before, secondly thank you in advance for any information any of you have for me. My partner and I have recently purchased a...
View ArticleMarried couple want to buy two properties at the same time - but each owning one
Are there issues with lenders lending only to one half of a married couple ? Say a husband and wife want to buy two properties, not in the same location, but they want the husband to own one and the...
View ArticleRemortgage self employed less than 1 year
I am employed and my wife has recently become self employed as of October last year. She is a childminder, previously a manager of a nursey having worked in child care for 13 years. Our fix term rate...
View ArticleFirst direct big difference in house valuation
My mortgage deal is due to expire soon. A couple of months ago I enquired with first direct what valuation they would put on my property. I was advised it was £174000. I have just come off the phone to...
View ArticleCalculation
Sorry I am a bit thick when it comes to maths. I am trying to calculate the value of £4357 before 20% was deducted. Please can someone help? Thank for reading
View ArticleFirst time buyer
Hello, I have a bit of a problem myself an my mother cannot figure out. We are looking into getting me my first house. She has offered to either give me the money to buy the house outright or just the...
View ArticleFurther advance required
We have a £85000 mortgage outstanding on a house worth £175000. There are 16 years left on the mortgage. We urgently need repair work carrying out to the house £10-12K (leaky roof) but don't have...
View ArticleLloyds TSB mortgage?
I'm about to buy a second house all offers are accepted and going through the legal bumf, we've opted for Lloyds mortgage at 5.1 percent fixed for 2 years then onto the interest rate, we bank and have...
View ArticleMortgage nationwide
hello we are applying for a high LTV mortgage we can afford 88% is it worth going in at 88% rather than asking for 90%? anyone got any eperience with nationwide and their lending? Do they have any big...
View ArticleCan't decide if we're being silly?
Situation is as follows Mortgage with nationwide with around 6 years left. Currently on a 10 yr fix at 5.69%. House is worth around 150k 76k on interest only, 6k on repayment, total redemption figure...
View ArticleTwo possible properties - one mortgage application
Hi everyone, My partner and i are first time buyers. We have been looking for a flat for over two years on and off and finally found one that we both love. We made an offer subject to survey which was...
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