Halifax mortgage affordability calc... Also?
Hi, is the mortgage affordability calculator an accurate calculation of the amount you can borrow... Before going to underwriter etc. we do not want to borrow max, but would like an accurate indication...
View ArticleWho qualifies as a dependent for mortgage purposes?
One of the questions on the mortgage application is: "How many dependents do you have?". The question didnt ask about the number of children. Thus, although, I have two children under 18, I have said...
View ArticleShould I stop pension to save for deposit?
I hope someone will know... As I have been with my employer a trust within Nhs for less than two years I am able to cancel pension, receive back previous payments... Around £950 after deductions and...
View ArticleOverpayments to Repayment or Interest Only part of my mortgage?
I have a Bristol and West (BOI) Flexi Tracker Mortgage fromNov 2005 Original £70K Left to pay: £58k £16K on Repayment matures 30.06.2025 £42K on Interest only matures 30.06.2030 Current interest...
View ArticleAdditional income from buy to let
Hi, we're looking to remortgage to move house. Right now we only have £3k left on our current mortgage. As my partner stays at home with our newborn, I'm the sole earner. Although we do have two buy to...
View ArticleShould we take out a loan to pay the deposit on a house?
Hi, Me and my partner have put a reservation fee down on a house which was £100, we are now waiting to do the application for the mortgage (we have already had it down in principal) then we are...
View ArticleMortgage Application Questions
Hi all, I have a few qustions to ask about getting my finances in order prior to a mortgage application. Current Situation: Renting flat at £725/m with partner Have £7k saved for deposit (£3.5k each)...
View ArticleBad Credit Mortgage.
I would like to buy a house but have a few bad credits. I have read where mortgage can be offered in cases like mine but I have spoken to a broker and my bank and I was told that this is not the case....
View Article2nd Property
Hi I posted on Friday about my house on consent to let and moving it to a buy to let. I'm in the process of arranging a meeting with a mortgage broker. In the meantime..... This is my situation. After...
View ArticleL&G to change bonus rate week before endowment ends
I have a with-profits endowment policy maturing on the 28th February and was hoping for a bit over £26,000 (£34,500 original mortgage) based on information sent to me previously. I have just received a...
View ArticleWithdraw overpayments fund to overpay on another mortgage?
I have built up a small (£1,500) overpayment fund on a Nationwide Base Rate repayment mortgage (current interest rate is 2.5%) and I was wondering whether it would be a good idea to withdraw this money...
View ArticleMarried or not?
Hey all, looking for a few pointers - my fiancee and I are set to be married in July, and currently have approx £20k saved for house deposit. We've been starting to look at properties in the area, and...
View ArticleEmployment history
My partner and I hope to buy a flat together this year. We've sorted a deposit and saved for fees for solicitors and home buyers reports etc. I've since been researching mortgage advisors to help get...
View ArticleFirst Time Buyer - mortgage questions
Hi I lost my dad a couple of years ago and he would've answered (and helped) all my mortgage and house buying questions... so I'm at a bit of a loss and I have some basic questions about mortgages: 1....
View ArticleKeeping money back
Hi all looking to buy my/our first house this year :beer: how much should we keep back for fees etc. i like to live by the 6 month liveable savings to fall back on but may go back to zero for a while....
View ArticleHome Visit Mortgage Advisor? Is this right?
Hi there! I have just spoken to a mortgage advisor recommended by our new build developer. He states that he does not have an office, and does mortgage applications over the phone or can visit us in...
View ArticleVoluntary surrender and bankrupcy
I no there is a BR forum but this is about mortgage n see if anh advise avail I'm voluntary surrender property need to move , negative equity , NRAM customer so no support , no other mortgage company...
View ArticleShared Equity - are we stuck???
Hi, we have an apartment on a shared equity scheme from Gladedale aka Ben Bailey homes. We bought the property for £120k (mortgage was for £90k and we now owe approx £83k on the mortgage). We believe...
View ArticleBank of Scotland Mortgage - how long?
Quick q for anyone whos applied for a mortgage with BOS to see if there is any feedback on how long it usually takea from application? I have an appointment on Thursday to go through things and likely...
View ArticleSolicitors fees on house purchase
I'm based in Scotland. Prior to setting the wheels in motion in buying a house I spoke to my solicitor about representing me and I'm sure he quoted me fees of £495 + VAT = £594. I'm 75% confident the...
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