Mortgages for new-ish consultants
Hi, I'm looking for a bit of advice please.... My husband and I bought our current home in 2005 for £117k with a mortgage from Northern Rock which was done as a 90% mortgage and a 10% loan over the...
View ArticleFirst Time Buyer - HSBC Mortgage Timeline
Dear Experts, I am a FTB and have completed my HSBC application last week. Ive call my mortgage advisor yday and he told me that my mortgage has been agreed and he has arranged a second appointment for...
View ArticleUK mortgage for an ex-pat :)
I am currently working in NZ and have been doing so for the past 2 years. I have saved up some money and have enough for a house deposit now. My sister and her husband will be moving from their house...
View ArticleNatwest - No IO
Now that Natwest has made the decision to not grant residential mortages on an interest only basis , does this mean that they are looking to open up the lending gates a little and are adjusting their...
View ArticleInterest only ends when I am 65
Hi I am hoping someone will be able to give some advice on my situation, before I talk to my mortgage provider. For reasons I don't need to go into in detail here (business failure 20 years ago) I have...
View ArticleManaging director - no profits
We are looking to remortage as trapped in a high fixed rate at the mo and want extra money to convert our garage . By adding the fees for early redemtion and the money for the garage we could still...
View ArticleMortgage overpayment maths question
Morning all, I'm trying to work how to roughly estimate how much overpaying my mortgage effectively returns over it's term, in AER, so I can compare it to other investment options. I'm aware there will...
View ArticleCan I get a better mortgage if I use my future and current house in the request?
My friend and I got together and bout our first house together a few years ago with the plan of one day buying a second house and renting one of them out. Through overpayments we are about 10 years...
View ArticleSantander end of fixed term
Hi Guys, Later in the year will be ending our fixed term, so I've been checking out various mortgage deals - however Santander don't publish existing customer rates/deals on the web. Before I call them...
View ArticleHelp with Monthly Versus Yearly Interest Rates
I have just checked my yearly mortgage statement, and noticed that the balance after 3 years of repayment was £600 higher than my own calculations did show. Looking further into that, I realised that...
View ArticleWould 2 defaults on fully paid off accounts stop us being accepted for a...
Would 2 defaults on fully paid off accounts stop us being accepted for a mortgage? They were £400 & £500 but paid off now
View ArticleMortgage offer in principle & name change
First time poster, thanks in advance for any feedback. I have an agreement in priciple from my bank for a mortgage. I have since found out that need to amend the spelling of my name (my name was...
View ArticleFinancial Smiles Prudhoe
Good afternoon. I'm currently in the process of viewing properties and have found one which I like and would like to progress and possibly make an offer. I have begun looking for a broker and a couple...
View ArticleDoes 5% extra deposit make that much difference..I guess it does
Hi, Looking for a bit of advice - reading threads it seems a similar story, any mortgage brokers out there lend a hand? :-) The story so far below: FTB have 10% deposit Have a decent job, salary,...
View ArticleMortgage Approval Struggle Advice Needed??
Good Afternoon and happy Friday!! This is my first message so hopefully it goes well, Basically my husband and I have been applying for mortgages with our broker for a couple of months now! - NO JOY!...
View ArticleMortgage
Hi, I'm a first time buyer looking to get a mortgage. It looks like there's a strong chance I may get made redundant soon. I will be able to get work after this job but it's mostly likely to be...
View ArticleHELP????? Credit checks - mortgage company dispute
Hi all, after some advice. i today applied for a decision in principle with my mortgage broker to a building society. The decision was then referred to the underwriters which later came back declined...
View ArticleCan i combine 2 properties on one mortgage?
Hi , I currently have a mortgage that i took out on my own i bought my flat for 130k back in 2007 and have 94k left on the mortgage. My partner (who does not have a mortgage) and I are looking at...
View Article5 year fixed rate, interest only expires March 2013 - what now?
Hi - as the title suggests we've had a five year fix rate (Santander 5.79%) interest only mortgage. We moved from London to Sussex and actually half way through and have overpaid maximum each year so...
View ArticlePhD Student + Partner on road to a mortgage in London...
Hi all, I posted about this many months ago, and thanks to all for the advice - things have become more real than theoretical now! I've recently started a PhD, and am getting quarterly installments of...
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