How do we do up a property and live in another?
So, a property in our favoured road has come up and it needs extensive work, which we are very excited about (have done almost as much before). We won't be able to live in the house whilst this is...
View ArticleWhat's the point of a mortgage broker?
Okay my title with a little flippant, I'm sure brokers are good if you have no idea what sort of mortgage you want. I want a fixed mortgage over 5 years I can quite easily compare the big players and...
View ArticleWhat sort of accountant can certify accounts??
Hello everyone, I was wondering if you could help me. Ive applied for a mortgage but the lender has come back saying that the accountants certification isnt acceptable, because they have only passed...
View ArticleDebt Management Plan and Mortgages
Good afternoon I dont know if anyone can possibly advise. My mother is disabled and transferred her property to us two years ago, having got into a lot of debt. We took out a mortgage and cleared her...
View ArticleFirst time buyers -when to apply for mortgage?
Hi everyone, We're looking at buying our first property. We have been saving for years and now have enough to put down a good sized deposit. However, we're now wondering if we should apply for a...
View ArticleHow long to fix for with high rate
Hi All, My first post. I'm hoping there are some mortgage minded people that can guide me with which mortgage to go with. The rate is high but its our circumstances so I knew this would be the case,...
View ArticleFirst time buyer questions
Hello Me and my partner are looking at buying our first property. My salary £32,500 plus £6,000 from overtime/extra Partner (student) income £5,000 we will have a deposit of about £15,000 thanks to...
View ArticleParents Funding Mortgage
Hi, my partner and I are currently saving for a mortgage. We are looking at buying a place next year. My parents have kindly offered to give us 10000 pounds towards the mortgage. They currently have...
View ArticleNiche mortgage for a renovation project?
Hi everyone, I use MSE but have signed up a new user name so my hubby be party to your replies to help us. Basically, we have sold our house to a cash buyer, at full asking price. Lucky! We are trying...
View ArticleOffset Mortgage part capital payment/part interest only
Hi, here's the conundrum. I have an offset mortgage that comprises 40% Part Interest & 60% Part Capital. I am looking to reduce the overall term of the mortgage. I currently have 8 years to go with...
View ArticleLegal Charge on Property
After a bit of advice on this one. Quite complicated and involves a couple of subjects. To summarise I bought a restaurant business back in 2006 which involved the business and a freehold property.the...
View ArticleIt doesnt make sense?
Dear all. I wondered if any of you have been in or are in a similar situation to me? Very briefly, I need to get a new mortgage deal on my house but my wife and I have both changed jobs in the last...
View ArticleEquity Release or Mortgage ???
I am hoping to get some suggestions on how to help my father out of the situation he finds himself in. He is aged 90 and lives in a house with my mother aged 86 with an approx value of £1m.without a...
View ArticleMortgage & Credit Score
Hi, I have a pretty good credit score, not sure how accurate experian credit score is but I have a score of 984. I'm about to take out a mortgage and I was just wondering with two payments missed in...
View ArticleRemortgage for debt consoliadtion
Hi! I'm thinking of remortgaging from 75% ltv up to 80% to repay our credit cards, does anyone know if the Coventry will do this? I mean 80% remortgage for debt consolidation- I went into my bank...
View ArticleIncorrect Settlement Date on Credit Report
Hi everyone, this has probably been posted on here before, I have searched and cannot come up with anything, sorry in advance if I have missed it. I was just wondering what I do about an incorrect date...
View ArticleWoolwich Automated Balance not working?
Just wondering if anyone else has had the same issue but last couple of times I have rung up the Woolwich automated line out of hours it wont give me my balance, it just tells me its unable to help...
View ArticleProof of deposit
Can someone offer advice please? I have applied for a mortgage in my name as my husband is self employed and they will not take his income into account. The deposit is made up of savings and a personal...
View ArticleHome Improvement Loan/Mortgage
Hi there Hope someone can help. Have a house on a mortgage - mortgage £51000, value of house approx £165000. Thinking of extending - value approx £45000 - value of house will then be approx £210000. My...
View ArticleAdditional Borrowing HELP!!!!!
Hello This is a question on behave of my dad, He currently has a joint mortage with his wife and he wants to take out £20 grand on the additional borrowing onto his morgatge. He doesn't want his wife...
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