Builder contributing to stamp duty
So after my thread the other day about possibly building my own house it all came down to earth with a bump when the seller of the land withdrew it from sale. We are now back to plan A and may be...
View ArticleSelf-employed mortgage with 2 year accounts
Hi, Myself and my partner are looking to get a 70% ltv mortgage - I'm full-time employed and my partner is self-employed (and was in continuous permanent employment in the same field for 11 years...
View ArticlePaying tax on rent received
we are renting out our house with the permission of our lender as there is still an outstanding mortgage - combined capital and endowment. We understand that we will have to pay tax on any income...
View Articlesantander
hey guys finally credit check showing up on my experian now , i guess ill have to wait atleast 1 week for their initial decision ? is this correct ?
View ArticleSave to buy mortgage
Hi all I thinking of a save to buy mortgage (Nationwide) does anybody no if will improve my chances of being accepted as I have had bad credit in the past or is it only for people who want to use 5%...
View ArticleGifted Deposit & Money Laundering
Hi All I have applied to Skipton for a 90% with a gifted deposit, the mortgage would be for £69,750, I have £1000 plus fees, my mum would gift £1750 and my father-in-law would gift £5000. We had no...
View ArticleWhich Rate is Better
Hi everyone, Please give me your views on these 2 rates. We already have an AIP from bank 1. Rate from bank 2 is from mortgage advisor. Bank 1 LTV 95% at interest 5.49% 4 year fix then SVR currently at...
View ArticleMortgage app with available credit
I do not have debt, however my credit report shows I have available credit of about £3000. I do not need and do not intend on using this credit therefore should I speak to the companies regarding...
View Articlehave i ruined chances of a mortgage in future?
my plan is to save a deposit for the next two years then hopefully get a first time mortgage i was in alot of debt a few years ago i have managed to clear most of it but currently have 2 defaults still...
View ArticleHelp is this a good rate?
I have been given a personalised illustration from a mortgage consultant. 95 ltv mortgage at a fixed rate of 4.99 until 2018 after term it reverts to standard variable 5.69%. I'd this any good? I will...
View Articlea few questions
I have debt in my name only which i pay regularly and am not in arrears etc. My questions are 1) will it affect my husband getting his mortgage ( mortgage is in his name only) 2) will the mortgage...
View ArticleCan we do this re deposit
Hi i have a flat on the market which i am struggling to sell, I have approx £15k equity (if i sold for what i wanted less a couple of grand) we have savings of £6k for fees etc. Now we are thinking of...
View Articlenew job - can I get a mortgage while on probation
Hi. I see there is advice about this from 2006 but things may have changed since the credit crunch. I started a new job as a Senior Officer in January. Different local authority and a higher grade job...
View ArticleBad credit history!
Hi All, I need a mortgage but my credit history is worst as I have CCJ not satisfied as i am not making any payments towards it. Also got default on different credit cards but i am paying some money to...
View Articlebad news santander declined me
Hey guys Thx for all your help and suggestions till now, wasnt happy with inhouse broker anyways which i communciated thru my previous thread and she submitted my application, yesterday n its come up...
View ArticlePorting a mortgage
I understand porting a mortgage is the actual interest only which is ported. We want to move, hoping to get around £100,000 for our house, we are lucky enough to have someone give us £50,000 towards...
View ArticleAny mine friendly Buy to Let Mortgages companies?
Hi all, Just posted this in the buying/selling thread so thought maybe someone here can help? I've bought a house in Wolverhampton with cash at auction and am having difficulty finding a mortgage...
View ArticleMinimum deposit
What is the current minimum deposit required with an above average credit report?
View ArticleMortgage to Buy my wifes parents house
Hi guys, i'm sure this has been asked before nut would like some advice re my current situation. My wife's parents have acquired a new house from family which are going to move to and have decided to...
View ArticleDebt and mortgage options advice
I have an interest only mortgage with the Bank of Ireland. I was on a fixed rate but now it has converted to a SVR. I also took a DMP just over a year ago. Am I stuck with this mortgage deal or am I...
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