New build mortgage
My son is trying to get a mortgage on a new build house.He only wants to put down a 10 percent deposit. He first tried his existing mortgage lender HSBC. They said they only do 90% on existing homes....
View ArticleMortgage rates question
Sorry for the silly question. But, can someone explain the following on a 25 year mortgage? It has the 'Initial Rate', the SMR, and the 'overall cost'. There are 3 different % for these. The 1st two...
View ArticlePlease help! First time buyer question
I'm a potential first time buyer who has submitted an offer on a repo terraced house. It is going very cheap but it needs around £7,000 in work as it has become quite a mess. I can get a mortgage for...
View ArticleRefused credit for mortgage
Hi, hope Ive put this is the right section, could really do with some advice! Ive been for a new mortgage today & been refused credit based on my past history - i have checked my credit report and...
View ArticleWhich is the best......
BTL mortgage for my brother's needs. My bro inherited a 3 bed bungalow. It's worth £370k (probate valuation) &he has a £30k residential mortgage on it. He wants to mortgage for £180k and let the...
View ArticleInstant rejection from my bank without them checking my account
Hello and hoping for a little advice on whether I can persue this further. Here's the story first. I am currently looking for my first home to buy. I am 25 and in full time freelance employment. I...
View ArticleMortgage Application Declined
Hi all, I am currently in the process of part exchanging our home for a new build. We are looking at taking advantage of the Newbuy scheme. We spotted the house and made preliminary enquires over...
View ArticleBit of help, FTB'r...
Trying to get to grips with all i need to know but have a few questions... I am paid via salary/dividends so finding it hard using the online calculators to find out what sort of mortgage i may be able...
View ArticleUnfair Booking fee from Coventry
Hi Folks, This is my first post on any type of forum so I hope you can understand it all ok! Just looking for opinions really. We have recently looked at changing our mortgage deal as fixed rate had...
View ArticleMortgage query
Hi all, I wonder if you can help. Does anyone know of a mortgage company that uses humans to make lending decisions? I want to buy a house, of which the purchase price is not much more than my annual...
View ArticleMortgage Advice
Hi All I am a newbie seeking some advice, basically my partner and i are looking to get a mortgage as first time buyers. I filed for bankruptcy in 2008 and was discharged in 2009, have a coop...
View ArticleMortgage Required to Allow Overpayments
Hello, Can anyone advise any great mortgage offers about upto 60% LTV, which offers an overpayment service without penalty. It would be even better if I can take the money that I overpay back out on...
View ArticleNewbuy
Whats the chances of a succesful newbuy application with the below details? Joint application App 1 income 65k credit card debt 4800 excellent credit rating App 2 income 28k credit card debit 5400 good...
View ArticleOverpay with savings?
Me and my girlfriend are currently deciding whether to use our savings to overpay the mortgage a bit in the next few months. We have about 8k stashed away (which isn't earning a great deal of interest...
View ArticleSelf Employed and My Mortgage
Hello: I was wondering is anyone faced a similar situation I was facing with my mortgage and being self employed... Work: I have been in full time employment from 2005 Last September I made a move to...
View ArticleMortgage with the Chelsea
Thinking of approaching them for a mortgage, any reviews ? I've read they are part of YBS, so presuming they have the same processing centre, the reviews for YBS (which are not good) apply to them...
View Articleneed some help please Nationwide mortgage
Hi Can any one advise please We have had 2 mortgages in principle from nationwide, we are on 5 year fixed just finished the term and are moving house, The mortgages in princople have been with drawn...
View ArticleFirst Time Buyer Advice Sought
Hi All, I am new to this forum and have joined in the hope of receving some advice that may assist me in getting my first mortgage. The situation is as follows: I am 25. I live in Scotland. I am...
View ArticleFrench mortgage - advice please
I have a property in France which has a relatively small mortgage (50k) on it. Can anyone advise if I should pay it off if I can get a Buy to let mortgage on an inherited property in the Uk. Currently...
View ArticleIs it best to use a Broker/IFA?
My fixed rate of 3.59% with RBS is ending in the next few months and I was looking for some advice on how best to remortgage. Value of Property £132,000 Mortgage Outstanding £86,000 We are currently...
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