First time buyers pls help
Hello, I just saw a house perfect for us, advertised selling price is 210k. At the moment we have 55k for a deposit. 6k extra savings (rainy day could use for deposit if needed) Partner gets 25k I'm on...
View Articlehow much is transfer of equity
Me and my wife split up and basically doesnt want anything to do with mortgage and agreed for me take over as chnaces are we prob in neg equity. So I paid the mortgage fee and been excepted but has to...
View ArticleCan I use my equity as a deposit
I am looking at buying a buy to let property and was wondering if I can use the equity on my house to get a deposit for the buy to let? I have 120k equity, 10k cash and was looking at a 100k house.
View ArticleSelf employed - best mortgage?
This is our situation - would really appreciate any advance on which lenders/products to look at. Husband earns £35k (same employer for 10yrs) I am self employed. This year I will have earned about...
View ArticleRemortgage Question
Hi ive just a quick query. Just coming up two years ago me and my OH purchased a property through the goverment homebuy scheme. Here are the details Purchase price 105995 Mortgage amount 75% Homebuy...
View ArticleDivorce and Mortgage
Hi I'm looking for some advice please. Unfortunately my marriage has broken down and we will end up getting divorced. Both my Wife and I are still at home and are looking at one of us buying the other...
View ArticleHusband income....
We are applying for a mortgage with the Halifax But my husband income is concerning us, even though we thoroughly explained, more than once to the mortgage advisor. We are concerned if they ask his...
View ArticleLooking to move - 2nd home mortgage advice
We are based in Manchester and my husband has an buy-to-let mortgage on a flat. The mortgage is currently £170 pcm (interest only). We have £21,000 in savings and are looking to buy a house to live in...
View ArticleIs there any point in overpaying my mortgage?
My fix has just come to an end and from 01/02 I will drop onto the svr which is 100 less than what I was paying. I have a two bed flat with a lease of approx 90 yrs and SCharge of 75 a month. It is...
View ArticlePaying off equity release and inheritance
Not sure if this is the best place to post but here goes. I've tried to make this as simple as possible... Some years ago my parents used an equity release mortgage on their home to provide my sister...
View Articlehow to overpay a fixed hsbc mortgage?
Hello, this is my question, i can make up to 20% overpayments, can i do it online? Is there a special way of doing it or just simply transfering money to mortgage account? Regards, Simon
View ArticleMortgage advice, Couple Questions
Hi, im looking into getting a mortgage within the next 2 years, hopefully sooner. Im 21, I earn 23k PA I have savings of around £5,400 My questions. 1. Is it possible to take out a loan from lets say,...
View Articlerefused mortgage - advice needed
I plan to see a broker but any advice in the meantime would be great. myself and my husband applied for a mortgage (FTB) with natwest in ocotber 2012, we had a 10% deposit, have always banked with...
View ArticleNew buyer nerves
Hello all, We're a young (ahem) couple with a 2 year old daughter and we find that we could be in a position to buy in the next 12 months or so. But we're nervous. With an income of 39k (she's full...
View Articlemortgage calculation confusion
We currently have a million year fixed rate with sharkleys at 4.89% with 10.5 years left on the mortgage and 5 years left on the fixed rate. I think our last statement had about 54k on it and we pay...
View ArticleOver 50 and thinking of starting a Buy to Let
Hi Current mrotgage finishes soon and was thinking of using some of teh houses asset for a Buy To Let Salary is over 50k , but also age is over 50 (54) Looking for a small house/flat 160k I know its a...
View Articledoes a surveyor ask for buolding permission when inspectin a property for...
Hi i am going to remortgage my property and i am looking for a better interest rate. However a bank could not find enough information about my property trough the electronic valuation and in order to...
View ArticleProof of Deposit - How many months bank statement usually require
Dear everyone, Apologies if my question is very simple or silly. I would be grateful if someone could advice. I and my husband has been saving for many years into our joint saving account. Just...
View ArticleDeclined for 2nd home 1st home -ve equity
Hi all, can anyone offer any advice? I've just been declined for a new mortgage by Santander to purchase an additional home for a family member - they are including the value of the retained home where...
View ArticleMore FTB questions: How Much? Gifted deposits?
Hello everyone, We have a few first time buyer questions, so if anyone could steer us in the right direction, it would be greatly appreciated: 1 Very roughly, how much can we borrow? My husband and I...
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