Credit card limits and mortgages
This may be a silly question... Does having a high credit limit on a credit card go against you when applying for a mortgage or do they just look at the amount you have actually borrowed on them?
View ArticleChanging to Interest Only?
I wonder if anyone can offer me any advice please? We bought our house in 2006 and at the time our mortgage was almost £800 per month, as the interest was in line with Bank of England base rate, it is...
View ArticleBuying cash and then resale
I may have an opportunity to buy a one bed flat from someone They currently have someone interested who is going through the motions but things are beginning to look shaky lease issues, etc. The...
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BTL mortgage with 10% equity and buy another house
ways to keep old house and still buy another...... me and OH are looking to move and want to keep current home. sitrep is: earn £53,000 between us with no cc debts or loans. in 3 bed semi now with...
View ArticleA positive story!
Just thought I would share since there are a lot of people on here with the impression that PhD bursaries don't count for a mortgage! We applied last Wednesday through Natwest (apparently the only bank...
View ArticleMortgage Advice Please
Hi all, need a bit of advice me and my hubby have got £40000 deposit we are looking at buying a new build at £160000, initially i was looking at the first buy scheme, i earn £15500 a year and my Hubby...
View ArticleCheapest way to borrow £20k for BTL
Hi I am thinking of diving into buy to let. I have found an area I like (Grays, Essex - good yields for the south-east and not too far away) and nice 2 bedroom houses near the station are in the...
View Articlewill a buy to let affect my residential mortgage health?
hi all! i have been looking into the potentials of buying a house wth my brother under a buy to let mortgage and renting it out. We both currently have a residential mortgages on our own "home"...
View ArticleDeposit - Bank transfer
I need to do a bank tranferof the full deposit amount to my solicitor, I need to transfer £35k from a natwest account and £10k from Lloyds account. Without having to pay fee for transferring the...
View ArticleMortgage, New Job - Worth Trying?
Been given the chance to buy the flat that the other half and I have rented for a long time. I am recently self employed and have no accounts as yet and my non investment income will not be regular,...
View ArticleSub Prime only option?
Good Afternoon My partner and i are trying to buy a house. We have no debt and have an LTV of around 25-30% He has a perfect credit rating and currently has a mortgage. I have no debt at the moment but...
View ArticleMortgage advice with CCJ please
Hi, I'm hoping some of you might be able to advise about myself and my husband's current situation. Please bare with me as I've tried to research and read up about this but I don't have a great deal of...
View ArticleA bit gutted!
Booked a 5 year fixed with FD about 2 weeks ago at 3.39% with a £499 Fee. Just looked today and the same mortgage is down to 3.09%. Is too late and I'll just have to take the hit? I always seem to do...
View ArticleMortgage - Existing Dept
Hi guys Myself and my wife are looking to get our first mortgage in approx 2 years time. The reason for the 2 years is to pay off our existing depts that we have. Most of this on credit cards and a...
View Articlemortgage question---can i transfer the mortgage to my sister
Hi all, sorry if i confuse anyone whilst i explain the issue: my parents are quite old (65) and are first time buyers, since they are so old i don't see it feasible for them to get a mortgage (as it...
View ArticleLife after repossession?
Hi Having met my now partner who is based in the North, due to the demise in the property market, I was forced to rent my own house and relocate. Unfortunately becoming a Landlord unexpectedly doesn't...
View ArticleLTV Question...
Just a quick rant on something that's silly, but has been annoying me for a while... When I bought my flat I paid £116,000 (auction, repossession). It was probably worth about £130,000ish. When I had...
View ArticleBuying shared ownership property outright, mortgage advice needed
I own 50% share in a shared ownership property which I bought when I was single 6 years ago. I am now married and we were thinking of selling the share and moving house. However on looking around at...
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