Student Mortgage - any advice?
Hello Does anyone know of a good lender / broker who will help a 19yr old student (FTB) to get a mortgage? (Just had offer accepted on a house) We know they exist, but would love some recommendations...
View ArticleCredit card cash advances and mortgage
I've just viewed my credit report and noticed that my Sainsbury's credit card treats cash withdrawals abroad as a cash advance. The reason I use the card is because there are no fees or commission for...
View ArticleOverage and mortgage
Help! :cry: Please! I have searched Overage on the forum and it's not looking good! When we found the house we are hoping to buy we were told there was a Deed of Covenant relating to the land at the...
View ArticleLow credit score mortgage on discounted council house!
Hi I was wondering what are the chances of getting a mortgage on a council house.... The good bit: Estimated market value £110,000 Estimated mortgage needed after discount £60,000 No deposit (could...
View ArticleHow can my mortgage rate be reducing but monthly payments increasing?
I have a fixed rate mortgage with NRAM at 4.99% which is due to end this month. I also have a secured loan which is at the SVR rate already. I've had a letter from them telling me that as of 1st March...
View ArticleHigher mortgage deposit or pay debts?
Hi all My partner and I are looking to buy a house together in 18m time or so and I'm just wondering whether we are better using our savings to pay off our debts or to have a higher deposit so the LTV...
View Article2 year tracker is ending soon..any tips?
Helo guys... I hope you can help me with the following case of my friend: He is 60 and had an 11 year mortgage. He took the mortgage deal in 2011, it was interest-only tracker rate of 2.54% including...
View ArticleOverpaying and shortening the mortgage term
Hi everybody, It's been a while since I was last on these boards, however, I'm in the process of potentially changing mortgages and would like some advise on the above. I'll be switching from a fixed...
View ArticleClueless First time buyer?!?!
Hi all. Looking for a little advice. I would like to get my foot on the property ladder and have found a property selling for £25000. I have £2500 deposit and wondered, well a couple of things really,...
View ArticleMortgage Chance With Adverse Credit.
Hi, Was wondering if one of you nice people could offer any advise. It has gotten to a stage in my life where I am fed up of renting currently privately renting and have paid over 37K in rent over the...
View ArticleING Mortgage Valuation to Offer timescale
Any idea of the time scales from valuation to offer letter? The valuation was done the same day as the full application. But the Aip took a week and a half and was very thorough
View ArticlePay debt (low APR) before mortgage application?
I am looking at applying for a mortgage in 6 months time (85% LTV). Most of my debts are on low APR's. I currently have the following debts: Card 1 - £2,100 (2.49%) - CL: £4,000 Card 2 - £1,500 (0%) -...
View ArticleCash poor asset rich - best way to get mortgage
I'm hoping to get financial advice. In summary we are asset rich but cash poor and need to reorganise our finances so that we can raise some capital to purchase an apartment Our portfolio House approx...
View ArticleBritannia Mortgage 5 year Fixed - no fee
Hi.......I am pi$$ed !!! Just saw this that the Britannia (coop) are offering a fee free 5 year fixed at 2.79%. I only applied and have now had my mortgage confirmed at the old admin fee which was...
View ArticleIs it worth an early exit?
£120,000 outstanding £140,000 value Natwest 5 year fix at 5.99% due to end Dec 2014 I've found a 90% LTV 5 year fixed product with no admin fee at 4.20%....
View ArticleDeeds for mortgage swap
Dear All, I am hoping to reduce my mortgage but cannot do this without putting my partners name on our home deeds (as my income has dropped)... couple of questions: 1 - Where can this be done? Is it a...
View ArticleESA/Incapacity Benefit and Mortgage.
Is anybody dealing with a mortgage provider that is accepting their Incapacity/ ESA Support as income. with the bedroom tax and the changes to tenancy agreements, plus the increased discount we have...
View ArticleDifference in wording of morgage offer letter and morgage conditions
We have been told by our morgage company that there has been a difference in their morgage offer letter and the morgage conditions. They have also advised that they might have given inappropriate...
View Articlemortgage help
partner had bad credit but now got clear history and usuall banking facilities.Her bank told her that although shes clear they still look at it and couldnt provide her with a mortgage,did say other...
View Articlemortgage query - keep or not
so our mortgage is due to be paid off soon. we do however want to move again in the next few years and will need a much bigger mortgage than the one we had. so my question is - are we better keeping a...
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