Remortgaging to consolidate
Hi Looking for a bit of advice for any mortgage experts out there. We have a £20k balance outstanding on our mortgage, which has 8 years left on it. We also have a secured loan with an early repayment...
View ArticleRelease capital in mortgage free home following separation
My husband and I are in a fortunate position of being mortgage free, however, we have now separated and I would like to consolidate some debt to make repayments more manageable each month now I am on...
View ArticleMortgage advice for ftb
could anyone please tell me if me and my girlfriend stand any chance of getting a 90% mortgage even though i have a default on my record that was settled in june 2007 and 3 consecutive missed payments...
View ArticleNeed mortgage advice - Halifax?
Not really sure if there's anything I can do here but wanted to ask for advice anyway. We have had a full mortgage offer on a property, however, we haven't yet concluded missives (Scotland). The deal...
View ArticleTrading Up and Transfering Current Mortgage
Hi all, Apologies if you've read this before, I accidentally posted this is the wrong forum first time around! We're hoping to move homes in the very near future and have just accepted an offer on our...
View ArticleFix for 2yr or 5yr terms?
Hi, I'm about to remortgage and the 2 options I have are : - 1) 2yr fixed @ 2.79% changing to 3.94% var 2) 5yr fixed @ 3.49% changing to 3.94 var I'm assuming BOE rates won't go up by more than 1% in...
View ArticleHSBC - increase chances of approval
I am now hoping to apply for a HSBC mortgage sometime in the next 12 months. Have banked with Lloyds TSB for 16 years with my credit report reflecting this. However the rates at HSBC seem better. A...
View ArticleRemoving name from joint mortgage
Hi All, New to this site so apologies if this question has been asked elsewhere - I am hoping the answer is quite simple... I have a joint mortgage with my girlfriend (1 year into a 5 year fixed...
View ArticleSmall remortgage.
Asking for a friend. His 2 year fixed rate is ending, so he is looking to remortgage. He owes approx £25k on a house worth £75k. Because of the low mortgage, a fee free mortgage is probably better than...
View ArticleSilly/ easy question
We are looking to get a mortgage soon, I was just wondering what happens when your first mortgage deal ends after 3 years or however long it is? We are looking at getting a 95% mortgage as we are...
View ArticleHalifax - 6 mth ownership rule
Hi All I posted on here yesterday about getting from the Mortgage Promise to the full app and credit approval. Well, that was successful and we're now onto the next stage. Halifax have said that the...
View ArticleJob is Threatened - Do I Have to Declare This Before Remortgaging?
Hi All, I've been working at my current job for 5 years but we have recently been told that our jobs are threatened and entered into a consultation period. This extended period will run until the end...
View ArticleNeed too raise £130000
Hello quick question Wages £25000 would that get me a mortage around £130000 . If so anyone no who with obv depending on scores etc etc i am fully aware of that Thanks in advance :j
View ArticleCompany Director Buying with Girlfriend FTB
Hi all, Wanted a bit of advice, I'm a company director who is looking to buy my first property with my girlfriend. She already owns a property but is at a point where she can move her mortgage over to...
View ArticleThis is a long shot but you may know...
I have an 'excellent' credit record according to the main 3. It looks realistic that we have a deposit by the end of this year 10%. I have been in steady employment, house etc. but here's the tricky...
View Articleonline mortgage advice
is there a website that gives you on line mortgage advice (independent). I have a scenario which I have put on here before but got vague answers on - as an accountant I understand all of the numbers...
View ArticleMortgage Enquiry
Circumstances are that I own my mum's property outright along with my brother - 50/50 share, no mortgage on this property. (She is deceased btw). The house is currently on the market but there has been...
View ArticleFirst time mortgage where to begin?
Hello My husband and I are hoping to buy this year. We don't have a fixed saved deposit, his parents have kindly offered to help with this but want to know how much we would need approx. Should we just...
View ArticleQuestions
Hi all, Just after some advice, as I'm looking for a mortgage within the year. I'm 23, I am currently earning 19400, with a 3% salary exchange for my pension, so technically 18834. I also have a car...
View Articlerefused mortgage but clear credit history
Does anyone know how mortgage lenders score when considering someone for a mortgage?! I have a 15% deposit, salary to pay mortgage £100k mortgage (maximum) comfortably and my credit history has been...
View Article