Do lenders consider income from lets?
Hi all just a quick one... I have a property I have let out on an AST for the last 20 months... I am hoping to purchase another property and wondered whether lenders consider income from a let...
View ArticleTracker Mortgages
Hi Was looking at buying a house to purchase, renovate and sell. I work in the building trade so was going to do most of the work myself to cut down on costs. I now have enough money to put down a 50%...
View Articledad has mortgage
My dad has the mortgage on my property as i couldnt get a mortgage at the time, he has recently lost his job & im worried if ill lose my house if the bank declares him bankrupt. I pay the mortgage...
View ArticleMoving house and porting mortgage
Hi all, I'm hoping that someone can offer me some advice. I'm looking to move house in the near-ish future and am just a bit clueless on porting my mortgage from my current property to the new one. I...
View ArticleMove to repayment or seek an investment fund?
Hi Hoping someone can help me out with a little advice. Here's the situation I'm in. 1. I have a £145,000 mortgage with Santander, which has 15 years left and is interest only. 2. Some years ago I...
View ArticleProperty on death
Hi I am just curious as to what the position would be if: Married, House is under one name on the deed, Mortgage is in joint names, The spouse, whose property the name is under, dies and leaves a will...
View ArticleApologies, another mortgage question!
Hi all, me again! We have had confirmation that our Mortgage Valuation has been booked for this week. What does that mean in terms of getting our Mortgage approved? Are we close? Would they arrange the...
View ArticleSolicitor Problems - Advice Please?
Hi All So my process was going very well up until two weeks ago...... My solictor did a fantastic job getting everything done in about 3 weeks and all that was left was sending a couple of simple...
View ArticleWill my credit history stop me getting a mortgage
Hi there, looking for some advice... im 25 years old and have a somewhat jaded credit history/rating, it is on the rise and all my debt is practically paid off, i have about £500 outstanding. i earn...
View ArticleWill other banks follow Bank of Ireland??
I'm in no way an expert but am very worried to hear that BOI are raising the rates of their trackers that supposedly track the BOE base rate. I have a similar product purchased in April 2008 with The...
View ArticleShared Equity Issue
Hi everyone, first post here so be gentle. I've searched and read quite a few posts which have similar issues but my situation is a little unusual. I have an apartment that was bought through a shared...
View ArticleAvoiding withdrawal of mortgage offer.
I am in the process of buying a house for myself, my partner and her two boys. Our large deposit is mostly made up of equity in her house, and hence I feel an enormous responsibility on many levels not...
View ArticleNeed help with mortgage interest rate calculator
Evening folks, I would appreciate a bit of help from anyone with understanding how the mortgage overpayment calculator works. I have tired to use the calculator on the MSE forum found at...
View ArticleWhat insurance do I need to get
Hi We have recently had a mortgage application accepted and we are now thinking about what insurance we need need to take out. We are both teachers and have 6 months months full pay 6 months half pay...
View ArticleJust got a Mortgage, do I really need all the extras
I've just got back from Nationwide, and now have my first mortgage approved. As I expected they tried to sell me lots of other stuff as well, some made a lot of sense, some less so. House Insurance -...
View ArticleChallenging Santander's "Electronic Valuation"
We are trying to secure a new mortgage deal with our existing lender, Santander. We purchased in 2011 for £250,000 and took out a £200,000 mortgage so as to access cheaper rates available at 80% LTV....
View ArticleRBS B2L portability
Hi, does anyone know/experienced if is correct that an RBS B2L mortgage portable, is portable only if you sell the property, not if you re-mortgage it to another B2L lender, and port the RBS to a new...
View ArticleMortgage Advice
Hi All, Bought my home 3 1/2 years ago as a first time buyer and had a fixed deal with nationwide. The last year or so, I realised I could quite comfortably over pay my mortgage by £400 p/m. (my deal...
View ArticleSolicitors for mortgages
I'm really crap at this lol.. I've had loads of quotes from solicitors but they look to be selling different services, What exactly do i need as a buyer? Here's what i've been offered, Do i need them...
View ArticleCalculating Payments
Good evening all, Got my mortgage statement through today and everything looks to be heading in the right direction. Only issue I can see is my interest rate and and payment don't add up. Could someone...
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