Broker warns Bank of Ireland mortgage offer could cost borrowers thousands?
Hi guys I am using postoffice (BoI) mortgage for my new home which will be completing this week. I am going for 75%LTV fixed 2.99% for 5 years as i couldn't find any better deals elsewhere. But today i...
View ArticleIn house mortgage advisors
Hi I was advised to start a new thread with this so sorry if you've already seen... Please excuse the liberal use of inverted commas in this post!! I have just made an offer on a reposession property,...
View ArticleGetting a remortgage after a default
Hi. I defaulted on a credit card about 6 months ago after agreeing to enter into a debt management plan with Churchwood with my wife. We have now separated and I'm trying to buy her out, but, I cant...
View ArticleSalary Sacrifice mortgage lender reduce loan
Hi guys.. Just wondering if anyone had heard or had experience in lenders and nhs salary sacrifice. We had our agreement in principle agreed with abbey & loan amount we could borrow. I thought it...
View Articleoriginal MORTGAGE TERMS CHANGED
I have been overpaying my mortgage off for years now - yes it was a missold endowment ... and yes the company paid a goodwill gesture of a couple of thou - never mind that I was recently £8000...
View ArticleDIP please......HELP
Hello quick question please....my partner is the main bread winner in the house and he basically earns 4 times my wages but I have got a dip in my name etc he can't as he has a default :(:( just one...
View ArticleFirst time buyer needs opinion
Hello Guys looking for some opinion , questions may sound simple n foolish.. :-) I am self-employed since feb 2009. work as a director in my own company my last 3 years personal tax returns are approx...
View ArticleNat West pulled our mortgage a day before exchange need a new mortgage double...
Nat West pulled our BTL mortgage at the last minute as our house has a restrictive covenant and apparently they don't "do" restrictive covenants - pity they didn't say that back in November when they...
View ArticleMoving job and getting a mortgage
Hi, Quick question for those that are up on lending criteria: I am leaving my current employer to start with another in c4 weeks. I've been with my current employer c20 months. I've no gaps in my...
View ArticlePaying chunks off your mortgage balance?
Hi people This may seem like a silly question to some but how do i physically pay money off my mortgage? Do i just go into my lender (Halifax) with cash for instance and say please take this off the...
View ArticleNeed to move back into house with buy to let mortgage
Hello, Seperated from husband and need to move back into the rented property we jointly own. Will this be ok? or breaking terms of mortgage? I am not in a position to take on mortgage on my own either....
View ArticlePossible negative impact on mortgage affordability
My brother in law works for a motor manufacturer and can get family very good deals on one year leases. The deal would be great for me but am concerned because the cost would be deducted straight from...
View ArticleCan someone please help?
I will try to keep this simple. I am currently buying ex-partner out of a joint property. A further advance has been agreed by my current lender, all sorted, I am extending the term by a lot so even...
View Article95% Mortgage with a default?
Hi all, Me and the wife are looking to buy our 1st house, we are in a relativley good financal position, with joint earnings around 50k pa. And both with excellent credit scores on experian. But we...
View Articleincome to debt ratio
My partner and I are buying together. We have seen a place that is amazing but would require close to the maximum amount we were told by an independent advisor that we could be lent. Looking at the...
View ArticleAm I mad to want an unnecessary mortgage?
After a decade of working and saving hard, we are thinking about buying a house. Ages: 29 and 28 Salaries: £32k and £25k Total savings: £260k spread across bonds, S&S ISAs etc. It's likely that we...
View ArticleDefaulting on a mortgage on house rented out (no tenant).
Hope some of you knowledgeable people can help me. I've got myself in a very sticky situation and need a bit of advice. I bought a house in 2007 (dreaded NR Together Mortgage - I know I know it was a...
View ArticleFree Independant Mortgage Advice?
Hello. I have recently been viewing houses to buy. I have found a house which I like and would like to make an offer on however I am yet to make a move on any mortgages. I am 23 years old and based on...
View ArticleBuying a House - order of things to do
Just wanted to get people's views on this. We are first time buyers and therefore new to the whole thing. Do people get a mortgage offer before they make an offer or do they make an offer first then...
View ArticleDefaults gone - will Santander still refuse?
Hi there My husband and I are about to apply for a joint mortgage together, he had two defaults (one from 06 and one from 07) which have now fallen off his files. As my current mortgage is with...
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