Remortgage Advice - LTV
Just a quick question. We are just coming to the end of our first fixed deal in a few months and looking at potentially remortgaging. I am just wondering who decides on the current value of the...
View ArticleInterest rates going forward?
Hi guys The impossible question I know, but is there a general consensus on interest rate moves over the next 5 years or so. Reading around some expect interest rates to remain at 0.5%for another few...
View Articleis joint purchase realistic?
Hello I am in my late 60's and considering jointly purchasing a property with my adult son. Each of us already owns a property (mine is paid off and he has a mortgage on his). We would like to buy a...
View ArticleFTB - direct or through a broker?
Hi. My partner & I are looking into buying our first house. Finding it all quite daunting. Is it best to apply direct to the mortgage provider, or go through a mortgage broker. Is using a broker...
View ArticleCan we get a mortgage?
Hi all. My girlfriend and I would like to buy my fathers house. But here's the catch. I am currently in a DMP of approx £20K. My father is moving away but wants us to have the house at a cut price. The...
View ArticleMortgage with bad credit
Hi, Can I get a mortgage with bad credit and little or no deposit?
View ArticleMortgage advice needed.
I currently have an interest only mortgage with Birmingham midshires with my husband fully paid every month no missed payments at all. We are considering moving due to our expanding family and going on...
View Articlebuilding an extension...
hi all, not really sure which place to put this thread but here goes... i want to build an extension for £20k ( roughly).... i have £13,000 in savings i have £50k equity in my house i would like to...
View ArticleAnother LTV question...
My partner and I took out a mortgage last year with HSBC for 90% LTV. At the time HSBC had a better rate based on a LTV of 80% but we did not have sufficient funds available to finance this. A year on...
View ArticleDoes the follow on rate really matter?
Hi As no one knows what is going to happen to rates in the future does one need to take into account the follow on rate of a mortgage if they take out a longer term (5year+) fix? Just wanted to kind...
View ArticleMortgage offer received! When to get home/contents insurance?
Hi! We have finally received our mortgage offer! We are due to move in next month, but was just wondering when to search art organising our home/contents insurance? Will a credit search for this...
View ArticleCash & Asset rich but want a mortage at 72.
Hello i am cash and asset rich but want to take out a buy to let mortgage. I am femalle and 72. Can i have a mortgage at a good rate taking everything into consideration. My estate is probably worth...
View Articleundecided what to do
Hi All I have a btl mortgage which was a 5 year rate - fixed at 6.29% (ouch) with bank of ireland (2 years left on fix) I can overpay nearly 10,500 before march 31st with the product I have I have...
View ArticleChances of getting a mortgage
Hi All, I was wondering if anyone can give me their opinion on what they think the chances are of me obtaining a mortgage on a shared ownership scheme of say about £60,000. I earn £35,000 per annum, I...
View ArticleReturned Direct Debit Fee?
Hi Everyone Thanks for reading! I'm looking to find out how much banks/ providers charge for the above. A google search does nothing for me and I have looked at many websites and have found nothing. If...
View ArticleHow to get a mortgage on this house?
Hi all, Wondering if you can help me with whats turning out to be a complicated motgage! My husband and i are attempting to buy his mothers home. shes in her early 60's and is widdowed. My husband is...
View ArticleCan/should I remortgage away from Accord?
I am looking a fair distance ahead (end of year) but want to start my thinking early on this one. I am currently on my third successive product with Accord, a 2 year fix at 3.49%. I have had to stay...
View Articleways to increase the amount to borrow
Hiya, my partner's basic wage is about £40k and this year with over-time he has had about £53k but if you put that into the Halifax calculator it says we can borrow about £210,000 but if you say his...
View ArticleIs it worth chasing?
Hi. I'm new to the forum so please be gentle! I have just had a company talking through everything about me being mis-sold an endowment. I didn't realise people were claiming for these, I just thought...
View ArticleRemortgaging advice
Hi, this is my first post so hopefully I am in the right place. I was wondering if I could ask some advice on remortgaging please. I am currently in a parent child mortgage with my mum, but could now...
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