Porting Mortgage and Borrowing More
Hi I was wondering if anyone can give me some advice. I am in the process of selling my flat and porting the existing mortgage and then borrowing more to enable me to buy the house. The figures are...
View ArticleSurvey booked- good sign?
I applied to port my mortgage 11 days ago and today got a text to say a survey was booked for tomorrow. Is this a sign that a mortgage offer is likely, subject to survey, or do they just get booked in...
View ArticleFTB mortgage application
Hi all, On 6/03/13 I received noticed that my landlord is selling, i have until June to move. My mother asked me to see a mortgage adviser as this is the second time I've had to move like this. Anyway...
View ArticleRemortgage for us oldies!
I am looking to remortgage on my salary of 35,000 p.a. a LTV of approx 55% (current value 240,000) current mortgage is 82,000 I need to borrow 125,000 to give my husband a lump sum as a divorce...
View ArticleExcellent Score but no joy
Hi all, I've been a fan of these forums for a while but am at hoping for help/advice as I'm struggling to find any light or clear idea of how to move forward. I have an excellent credit score (998/1000...
View ArticleGetting a mortgage with a fair credit score!?!
I'm wanting to get a mortgage but don't have the best credit rating around, it's fair with a score of 777! I've never had any CCJ's and currently have no outstanding debts whatsoever! I'm just wanting...
View ArticleAdditional borrowing for a home extension..
Hi - hope this is the right forum for my question. I want to extend my home due to arrival number 3 in August. For the work I want done, I reckon 60k will cover it - however I do not have this kind of...
View Article£790 over 15 years or £746+overpayment over 14 years?
Our mortgage is up for renewal and we are looking at a 5 year fixed deal around £800 per month. We have the option to make overpayments, but is it better to pay more over 14 years or slightly less over...
View ArticleMortgage borrowing
Hi everyone, this is my first post on here so go easy on me. Currently looking at saving and getting a mortgage with my girlfriend. We are both 22 and currently living with parents. I have approx...
View ArticleTo Remortgage or Not???
Hi all, first post here so please be gentle! I'm currently considering a remortgage but would like to hear some thoughts on my reasons for this. I'm currently on a very good mortgage deal, 1.25% which...
View ArticleOptions for buying house while still owning a flat
Hi there, My husband and I are looking to buy a house in the not too distant future. We currently own a flat, which we want to sell, but flats in our area are not shifting even when priced way below...
View ArticleWhat's the lowest you'd bother with an offset mortgage with?
Just doing some reading on my dinner break & if i understood properly, i just wondered, what's the lowest amount of savings you'd bother with an O.M. with? To make the question personal to...
View ArticleWas I missold my mortgage?
Slightly different Bank of Ireland-related issue to the recent one - can anyone help? I moved house in 2011 - at the time I was with Bank of Ireland on the SVR of 2.99%. I spoke to the Bank about...
View ArticleOver-pay or shorter mortgage
Hi all, I am a first time buyer currently looking at getting a mortgage. I have checked out moneysupermarket and found one of the best overall deals for my circumstances is a first direct mortgage. I'm...
View ArticleWill this cause a problem
Hi, We have saved 18k towards our deposit but I had a late credit card payment last year (September) which I forgot to pay on time and paid a week late. We have a joint salary of 79k. I have had a ccj...
View ArticleCan anyone explain credit records to me please?! And is an empty record good...
I'm applying for mortgages for the first time in 22 years, so I'm getting my head around various bits of new info, including credit records. Last night, mostly out of curiosity really, I followed some...
View ArticleFirstBuy Staircase with mortgage or wait?
Hi, My partner and I bought an apartment in Dec 2011 using the FirstBuy scheme (5% deposit, 20% equity loan, 75% mortgage). Once the first 5 years are up we start to pay interest on that equity loan at...
View ArticleNeed help - Halifax fast track mortgage
Hi I am a first the buyer, and I am very stressed out about my first mortgage. Can someone please tell me what a fast track mortgage is?
View ArticleFirst time buyer needs some advice!
Last weekwe found out that our landlord who has been living in Australia for the last 5years is coming back to the UK and consequently we've been given the minimum 2 monthsnotice period to leave the...
View ArticleHow long does a Nationwide mortgage application take?
Hi all, my partner and I are buying our first home - very nervous about it all! Our offer was accepted (10% below its asking price - possibly because we're chain free). 23/02/2013 Offer accepted...
View Article