Why does my mortgage offer need to be 'validated' by the estate agent?
Hi, I have an offer in principle from Halifax and have made an offer on a house. It was difficult to get the mortgage because of financial associations and we went (via broker) to 3 different lenders...
View Article£140,000 deposit, £20,000 salary, -£5000
Hello all Im looking into getting a mortgage, I have a property in my name worth £140,000 going on the market this month. I have -£5000 on a credit card. I'm on £20,000 pa, payrise next month but not...
View ArticleDo providers take income from a lodger?
Will providers take my lodgers rent as income. Ie increase my borrowing potential ?
View Article95% mortgage with default
Hi Guys, Quick questions, is it possible to get a 95% mortgage with a default that is 5years old? Is it possible to do a joint mortgage with my mother who currently has a mortgage with about 5 years...
View ArticleLooking for best offset deal?
Im thinking to fix. As Im getting nervous about my tracker. Also I have about 30k in rubbish accounts getting no interest.(I know I should ISA but I cant be hassled switching them every year) Currently...
View ArticleSecond steppers help
Good or bad? will it create another bubble? my friends daughter was leaping for joy as she says she can buy a new bigger energy efficient home and stay in it longer....
View Articleno proof of income
Hi, can anybody help? We would like to get a mortgage for £84,000. We are purchasing a house and we have £145,000 deposit. I am self employed and have account records for the last 3 years, but I submit...
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MSE News: Budget 2013: Help to Buy mortgage scheme to launch
"Help for those struggling to afford a mortgage will be available from 2014, Chancellor George Osborne announced today..." Read the full story: Budget 2013: Help to Buy mortgage scheme to launch Click...
View ArticleBudget 2013.. What it means for those saving deposits
Hi Folks, Long time viewer never needed to ask anything not already asked to death before! So, with the just announced budget - for the first time .gov will back new buyers to buy a new OR old home, by...
View ArticleRestrictions ( charging order) and stupid c&g
I have had a mortgsage with c&g for some years and due to some problems I fell into arrears. I have 4 loans ( 3 of which are cca regulated). i have been paying off £20.00 per month against £13000...
View ArticleRefused mortgage port because i intend to repay
So I called Natwest and asked the if there was any way of avoiding an Early Repayment Charge as I didnt need to keep the mortgage but could port (move) the mortgage to avoid an ERC. They said no, but...
View ArticleCIFAS Marker
Hi everyone I'm new to this site and was wondering if anyone can help me. I applied for a mortgage with the Leeds Building So, cat 4ciety through a broker last year. The broker asked me for my ID, bank...
View ArticleAverage/Poor Credit Rating
Hi Everyone, I would like a little advise if possible. My fiancee and I are looking at houses at the monent but I have credit issues and was wondering about my possibilities of getting a mortgage. We...
View ArticleToo early to start mortgage application?
Hi all, I have been lurking on these forums for a few months now during my house selling and now buying but today I signed up as I have a question. So after finding a buyer and striking a deal on a...
View ArticleChoosing mortgage adviser - face to face or phone?
What are peoples experiences? I am currently 'googled' with all the search results. I am considering buying a second property, and after playing with a few affordability calculators, I think hiring a...
View ArticleReally old ccjs and mortgage applications
I had someone ask me a question yesterday that I had no idea about. Say someone had a ccj from 10 years ago, unpaid, from what I understand it would have dropped off their credit file years ago. If he...
View ArticleOwe £3000 on mortgage,Threat of Reposession
My mother 67 has had a mortgage with Bradford/Bingly for years, but recent she has been paying £60 a week to pay off the last of mortgage, Due to alot of confusion with telephone calls sayin she ok...
View ArticleMortgage Broker went ahead too soon
Bit annoyed so would grateful for some perspective. Basically my dad went to see a broker on Friday. Was offered an interest-only deal with a low arrangement fee. He told the broker 'sounds good' but...
View ArticleFTBs, what are our chances?
Hi, I've been lurking for a while and thought I'd finally pipe up and ask about my current situation as (I think) we're getting fairly close to being able to actually start thinking about buying...
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FTB trying to understand bank mortgage estimates.
Trying to understand this but the wife is in the ear tonight & i can't wrap my head around it all. Basically we'll be looking at fixed term for sure, and probably for 5 years. There are so many...
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