Get a Mortgage offer before paying solicitors legal work?
Hello, I got an offer accepted on a house last week and instructed the solicitor. We don't yet have a mortgage and was wonder whether to wait till we have a full offer before getting the solicitor to...
View ArticleLikelyhood of Mortgage offer being withdrawn
Hi there, I hope someone can help. We have exchanged and are due to complete next week. The mortgage is for 70% value and to get a particular deal our broker advised that we would need to put in an...
View ArticleWould it be possible to get a mortgage?
Hi, I have seen a very nice house but am unsure if this is possible! I earn approx 16.5k. House is 67k but looking for a quick sale, property needs some work but mainly decrative. Deposit of 10%. As a...
View Articlemortgage holiday help!!!!
Last April I reviewed my mortgage and went to halifax as they offered me a holiday which was great as I was pregnant and knew we may want to take this when I got to naff pay! So today I ring halifax to...
View ArticleMortgage with Bad Credit
Hi There, Me and my girlfriend are looking to get our first flat together and have seen some we are interested in. We're looking at purchasing a share of the flat (25-35%) so need no more than £80,000....
View ArticleShared Ownership (Staircasing)
Can someone please explain this to me in basic details please?! Me and my oh moved in to a new build two bed in 2008 and purchased 50%. In that time we have managed to pay the mortgage and due mainly...
View ArticleMortgage Agreed!!! Very Very Happy
We have been accepted for a mortgage today - valuation instructed This is seriously the happiest day of my life!!!
View ArticleDeclined for interest only - any idea why?
I applied for a interest only mortgage with HSBC, met their LTV and repayment vehical critera, thought it had been approved, but the mortgage underwriter has just declined me. Any clues to why? House...
View Articlemortgage help needed
Hi. I'm new to this so I hope not to ramble too much. After struggling with debt for quite a few years we took the drastic step of downsizing and selling our property and using the equity to clear our...
View ArticleBorn again FTB
We are poised to list and sell our first home although our original deposit has been lost to house prices tumbling. I think we will either make or lose 1 or 2K so we have been saving a new deposit to...
View ArticleDeposit Ethics
Any sympathy for the deposit saving crew? My wife and I are saving virtually double what our monthly mortgage repayment is likely to be in order to buy a bigger house. Its frustrating but I can...
View ArticleParents Remortgage
Just a thought... I bet my wife and Is parents who are mortgage free could remortgage 100K at half the rate we will get a 100k at huh.... Bit unfair to ask them to do that though, even if we make it...
View ArticleChurch coversion and mortgage
I am looking at buying a flat which is parrt of a church conversion. Stupid question as far as getting a mortgage would it fall under the new build category? I have heard new builds need 20% deposit is...
View ArticleWiggling out Early Repayment Charge
Hi ING is transferring their mortgage book to Barclays, I'm not a big fan of Barclays and recently closed down all my accounts with them. I'm reluctant to have my mortgage transferred to them and was...
View ArticleShared ownership with housing association
Hello all, We have enquired about a shared ownership property with a housing association recently and received positive feedback. We await an appointment with their mortgage advisor. The house is...
View ArticlePossible remortgage with Nationwide - seeking general advice.
I'd like to seek some general advice from those who are familiar with Nationwide mortgages and the way they approve them. Right now I have a Britannia repayment Mortgage whose current value is £90k...
View ArticleProof of deposit for mortgage
I've been asked by my mortgage adviser to provide proof of deposit. Problem is it's split over 4 or 5 accounts. Do I need to put it all together? Can I print off the internet or does it have to be a...
View ArticleRemortgage - this is a good deal?
Hi, My mortgage is due to expire with Santander in April - been with for 3 years and on 5.99% fix at £825 per month I borrowed 138 and i have 132 outstanding. I think a fair valuation of my property is...
View Articleremortgaging and bad credit history
I think I know the answer to this but in case there's a miracle out there I thought someone here would know! This is the short version.... we have a mortgage on our current property but are looking to...
View ArticleInterest only mortgages
Are there any mortgage providers out there that allow int only mortgages with no repayment vehicle ? Ie is potential inheritance or downsizing a reasonable method or not? E.g £500k house £100k mort -...
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