Buy to let & residential with santander?
HI. We have a buy to let mortgage with Santander for 131k, no problems 125% cover rent & no payment problems for the 8 years we have had the property. We have £10k in there & would like to...
View ArticleMortgage and life
Hi All, I currently live with my girlfriend in a shared house, I have 2 children from a previous marriage that I have stay every other weekend, My house mates don't get on with my children and tbh, why...
View ArticleNot on electoral register
I am guessing when applying for a mortgage that you have to be on electoral register. Can anyone tell me if you have to be on it for so long or can you just get put on electoral register 1 day and...
View ArticleTo buy or not?
I currently rent at £300 pcm I earn £24,600,i am a single parent of 1 child. Im seriously thinking of buying a house The only problem i can see is my age? im 35 on friday. Im looking at houses that are...
View ArticleFinancial Advisors in Worcestershire?
Hi, my first post on these forums so hello to everyone :) I was wondering if anyone could recommend a financial adviser in my area? Myself and the girlfriend would like to look into getting our first...
View Articleconsent to let
I am in the process off buying a house .I dont need a mortgage however I am considering renting my existing house . I have a mortgage with woolwich /barclays . Is this transferable ?and if so will I be...
View Articleto pay off or not pay off?
Please excuse my denseness, but I am in the forunate position of having only £10k left on my mortgage (ive been paying into it donkeys years), term due to end 2017. Im unsure of what to do next....
View ArticleGetting second opinions on mortgage advice?
I have had a mortgage illustration from one mortgage advisor recommended by a friend, but I'd like a second (or third or fourth!) opinion... Is there any reason (legal or etiquette) I shouldn't ask...
View ArticleGot My Life Back - Thank You
Back at the end of January I was in dire straights after being a complete clown and idiot with credit cards. I had £56k of debt and was slowly disappearing on my way to oblivion, with no one prepared...
View ArticleMortgage Advice please?
Hi everyone, My mum is 47 with 2 dependants. She is set to receive around 95k from her current house as a divorce settlement. The houses she is looking at are around 125k She has a small part time...
View ArticleHelp? Think we have been misold insurance on our mortgage application.
Hi there, Wondering if anyone can help. Last Saturday we went to our Mortgage consultant to hand in evidence for a Leeds B/S mortgage which we had been provisionally approved for. As we were doing this...
View ArticleMortgage advice
Hi everyone! This is my first so please be very gentle with me! I've been lucking for a while and read some excellent advice which I've used for my own situation and needs. This time I was after some...
View ArticleIs this as good as it seems?
Forgive me if I'm asking stupid questions, but I'm new to all this mortgage stuff, and getting my head around a lot of new info very quickly! I want to borrow £48-63K, and and will have a deposit of...
View ArticleFirst time buyer with late payments - advice please :)
Afternoon all My OH and I are looking to buy a house but I'm worried about how my previous credit history will affect this hope! My stats: - OH earns £27k - I earn £31K - I have a child from a previous...
View ArticleMany Debts or One Big One?
Not sure if this is the right place, but I am musing over a course of action and appreciate some thoughts from a different perspective. We have a mortgage with Virgin One and owe roughly 80,000 on a...
View ArticleAdvice on first Mortgage...
Hello, Long time reader, First time poster... The current situation is that I am looking for buy my first house. I have seen what I beleive to be the perfect place on the market for £124,995... My...
View ArticleCancelling Direct Debit
I've currently placed one of two flats on the market but unfortunately there's been a boiler problem in the past week. This meant I have had to get it replaced in order for tenants to have heating and...
View Articlehelp
made a huge financial mistake 2007 and moved from a high street lender to a sub prime mortgage interest only with no repayment vehicle. Financial advisor told me it was a short term plan and I could...
View ArticleHow is commission viewed by lenders re mortgage applications?
How is commission viewed by lenders? Earnings have been consistent over last 4 years but this years commission will be higher than previous due to a re-structure in the commission system. Do lenders...
View Articlecriticall illness help needed :(
Sorry if I've put this in the wrong place (i'm new here), but i'm desperate for some help/advice Me and my husband currently have a mortgage with Halifax and on that mortgage we took out Life Insurance...
View Article