95% Products - are some lenders easier/harder than others?
Evening folks, Currently investigating some of the 95% products available at the moment both NewBuy and open market options. Of the small group of lenders who currently offer this level of LTV, are any...
View ArticleAdvice on BTL needed please
Hi, I wonder if anyone can give me good advice on that one. I am currently paying off my first mortgage. In near future (before I even pay off my 1st mortgage completely) I want to rent this flat out...
View Articleadvise please about what to do about mortgage
hi all newbie here so hope i.m posting in the correct place scenario as follows ; we have a completion date of 13 may 2022 we have an offset mortgage the offset currently stands at approx 800 less than...
View ArticleAdvice on mortgage x
2 mortgages advice! Please help x The house I live in currently has 20k left to pay off - I am overpaying by the maximum £500 month (hard but long term gain!) and will have paid it off in 2.5 years ....
View Article90% LTV and 5% Developer Gifted Deposit
Hope you will be able to answer a few questions I have: We have seen a property on a development that is completed and waiting for a buyer. Basically dead money to the developer. We have a 5% deposit...
View ArticlePaying mortgage on credit card
Hi Guys, I have sold my house and exchanged contracts with completion due on the 8th February. My next mortgage payment is due on 1st Feb but I need the money in my current account to pay for building...
View ArticleRemortgage question
Hi all, We're currently in the process of remortgaging through broker as our three year fix is up in April. Now, we have approx valued our house at £200,000, giving us a 80% LTV. We have applied for 5...
View ArticleChances?
Hi there, Myself and my wife are hoping to get on the property ladder this year. We had a mortgage in principle approved with HSBC on Friday so we are now looking at houses around the £170k mark with a...
View ArticleBuy to let mortgage fees
I have recently married and have moved out of my previous address into our new house. I intend letting my old property out so will need to re mortgage to a buy to let mortgage. What fees will I be...
View ArticleConsent-To-Lease or Early Repayment Charge?
I've been in my new property for about two months now, and I am happy with the property, but I've realised recently that I want to be able to move quickly, should I get a job elsewhere, or even go to...
View ArticleBuying parents home with no deposit?
Evening all I've been reading a few threads but thought it probably easiest to ask my question.. :-) My parents are currently looking at relocating to the country with my brother and his gf. The idea...
View ArticleLoan to make up the rest for cash buy
I'm looking to buy a flat cash for £30k. I have £17k in the bank, my credit history is rated poor as i've had no credit in the past (cant even get a credit card) I'm in fulltime employment earning...
View ArticleWhich member has the best mortgage rate?
Hi everyone With the credit crunch helping bring the BOE base rate down to the amazing low of 0.5% for nearly 4 years, all those on base rate trackers must be doing well, myself included. So I thought...
View ArticleStill learning, but could I get a mortgage?
As the title says I'm only just learning about mortgages, my basic understanding is you borrow money off the bank and pay back an amount each month that is manageable with your job plus interest. But I...
View ArticleMortgage - not returning to work after maternity leave
I'm due to finish my maternity leave in 3 months. I wont be returning to work, will I need to tell my mortgage provider? We can afford the payments still but I know they stipulate letting them know any...
View ArticleWhat to do with our money?
Hi, just after a bit of advice... Got a part buy/part rent mortgage over 2 years ago in the wife's name as I had missed payments on a loan in 2009 & was refused. I have since taken a voluntary...
View ArticleAgreement in principle meeting. Need evidence of income?
Hi there. I am in a partnership with my wife. We have a filed 2010-2011 tax return, and our current 2011-2012 tax return is with our accountant waiting for it to be filed.. We also have basic...
View ArticleRemortgage advice
Evening all, I'm looking for some advice on remortgaging as our financial position has changed: Current situation: 20 year mortgage in 2008. 5 years into a 10 years fixed rate of 5% £145,000 left to...
View Articlepurchaisng a new house after looking to remortgage current house
HI All Just looking for some advice, I have been going through a remortgage on my current house, and it is currently with the conveyancer getting settlement figures etc. Well the process has taken some...
View ArticleMortgage options ?
Firstly Ive seen a similar question already tonight but didnt want to hijack the thread, so apologies if im making people repeat themselves. I dont have a mortgage, and co own my home. Id like to buy...
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