Mortgage with or without spouse?
Hello, Assuming that I could get the mortgage we need alone, would it be better to try and get the mortgage with my wife? Not sure it that could affect something positively or negatively in the future?...
View ArticleA 2nd Mortgage?!
Hi, My mum is taking a mortgage in her name for me as I have a bad credit rating, from previous debt that I have recently settled. She is under the impression it can't be a straight forward mortgage...
View Articleshould I surrender L&G endowment 2 years early ?
Hi everyone, Thank you for reading my post. I took out a 25 year Endowment Policy for a 72k mortgage with L&G in 1990 which matures in 2015. I sold the porperty in 1994 anyway but decided to keep...
View ArticleQuery re switching mortgage
Hi My 2 yr fixed mortgage is ending soon and i want to switch to a different fixed deal when it ends with the same mortgage company(nationwide) for the remaining amount. When I applied for my current...
View ArticleProof of deposit
Hi - I don't know a huge amount about mortgages, etc., but I'm learning fast! Can anyone advise what a mortgage provider would want as proof of a deposit and how quickly the cash would need to be...
View ArticleRemortgage & Maternity
Hi I was asking for advice the other day - basically we want to remortgage, my advisor has said not to include my wages as I'm pregnant. You lovely people said I should have my wages included as we...
View ArticleEvidence of sources of income for mortgage deposit
My husband and I will buy a house together however as my credit is low, he will be the sole applicant for the mortgage. We have saved enough for our deposit however half of the money is in my bank...
View ArticleCan A Human Get Involved In A Mortgage Application?
Hi, I'm in a tricky position right now and could use some advice. I used to be pretty bad with money and about 6 years ago got divorced and took on all of mine and my ex-wife's debt. (looking back this...
View ArticleRemortgaging Queries
We're in the process of looking for a deal for a remortgage and the best on offer (all things considered including access to the 123 current account) is the following product on offer from Santander...
View ArticleWhat to do with the Endowment cash?
My partner and I have a policy maturing in April. It is a £17000 endowment which began bought 25yrs ago. The projected value came through tis week ay £13058 - though i do appreciate this does not...
View Articleswitching mortage?
Hi, Hope people will excuse the obvious question. Our fixed rate 2 year mortgage deal ends shortly and I assumed we would shop about and find a new one, however they all seem to have (substantial)...
View ArticleEquity Release - can I buy back the equity?
Hello All My Great Aunt and Uncle have got into an equity release programme. I woould like to purchase the property after their death and wondered could I purchase the equity release part now. They are...
View ArticleFirst Time Buyer taking out a mortgage
Hi All, In the coming weeks i will hopefully be purchasing my first house. At the moment i am intending to get a house around the £230,000 - £250,00 mark. I have a few questions, hoping someone can...
View ArticleMis-sold mortgage?
We found out last week that our NRAM mortgage, which was fixed for 15years, at near 9%, which we have stupidly stuck with for the last 8yrs, (hubby too scared to move due to front end loading), we find...
View ArticleFirst Direct Offset criteria change
It appears First Direct have changed their criteria around offset mortgages. You now need to earn over 50k single or 75k for a joint mortgage regardless of the LTV. I discovered this today when...
View ArticleWill I get a mortgage
Hi all first post on here looking to buy from a family member at end of June will hav 10000 deposit (10 percent)looking to borrow 90000 roughly my credit file has 3 telecommunication defaults 2 of...
View ArticleA Little Remortgage Advice needed.
Hi Just looking for a little bit of advice from all you knowledgeable folk! My Santander mortgage has matured returning it to the SVR of 4.74%. I have spoken to them and best deal they can offer is...
View Articlemoving house
can someone give me some advice please? we are in a fixed deal until 31st jan 2014 but want to move house. the product is portable (subject to the usuals) however we need to borrow an additional £60k...
View ArticleBuy to Let Mortgage with poor credit
I have a property which I jointly own with my ex, she wants me to buy her out and have the property in my own name. I have a poor credit history. Never had any defaults or ccjs but lots of late...
View ArticleA nightmare!!
prioritize patients needs and given me a sound knowledge of many general . I am knowledgeable with all forms of ventilation and monitoring, ECG recognition and the Advanced Life Support and Advanced...
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