Getting my girlfriend on the mortgage
I have a mortgage in my name only. I have recently decided to get my girlfriend on the mortgage so we will remortgage however will it just be my name on the house deeds still? If so, how do I go about...
View ArticleSelf-employed mortgage: what can I do to improve chances?
Hello, brand new on here and hoping to get some advice. Apologies in advance for the length of this post! My situation: I've been self-employed since Aug 2011; total of 1 yr 7 mths. I have one set of...
View ArticleRight to buy problems... Has anyone else had this?
My mother is living in a council house and has done for over 30 years. It's a 2 bed house, my mother is the only person living there. With the new right to buy scheme the idea was to purchase the...
View ArticleHow far back do lenders check?
I have lived 6 years at my current address with a perfect credit file - not a single missed or late payment for anything whatsoever, HOWEVER, I have 2 defaults which are 5 years old at a different...
View ArticleApplied to port woolwich mortgage- cant stand the wait.
I would like to move to a smaller house and have applied to port my woolwich mortgage. I currently owe£80000 on house worth £170000. Have applied for a £70000 mortgage on home I'd like to buy...
View ArticleMortgage question
Hi - I'm new to this forum and was hoping for some advice. I currently have a mortgage on my house that I live in. My father died recently which has left my mother in our family home along with her 101...
View ArticleWhen will my credit rating improve?
Hi, I applied for a mortgage last year and was rejected by my bank. Bad credit rating. I'm a high earner, had a big mortgage, lots of credit (tens of thousands). Never missed a payment. In 2010 i got...
View ArticleFTB Mortage amount?
Hi There, We are looking to buy our first home and was looking for a bit of early advice, only just started looking at what is on the market and was wondering what we could possibly get as a mortgage,...
View ArticleNew House but Keeping Old One
Hi all, I've been reading the forum for a while, but I need some help please. We're in the process of buying a new house (we're combing our assets with my mum who will be living in a separate part of...
View ArticleMortgage Options
Hi, My partner and I want to buy our first home. Problem is we have very little deposit. What options do we have? Renting is a no no really. What mortgages are out there? 95% ones available? We may be...
View ArticleThe Cyprus Problems
Hi everyone, firstly i am not sure if this is in the right place so admin, please feel free to move it if you wish. Just wanted peoples thoughts on what would happen in the Bank of Cyprus collapsed,...
View ArticleThe mortgage guarantee scheme
Hi all, appreciate all details may not yet be available but does anyone know if, when this scheme starts in Jan 2014, it will be available to land lords? Im an accidental landlord who wants to keep the...
View Articlecost of transfer of equity
I'll be doing a transfer of equity soon (Halifax mortgage) and my solicitor quoted me £550+ VAT and disbursements, is that in line with costs in greater London? I was under the impression that it would...
View ArticleHelp to buy and porting existing mortgage
Hello, I have an existing offset mortgage with First Direct and am moving to a new build next month. The mortgage I hold is portable and at a very good rate but requires 25 % deposit. However,...
View ArticleTaking over a mortgage on death of owner?
Both my parents have now passed away. Their house has a small interest only mortgage with Santander which is on a base rate tracker so as you can imagine, the rate is fantastic at the minute. Before I...
View ArticleApplying for a mortgage, but got a new job!
Hello, first time poster so I hope this is in the correct place! My OH and I are going to apply for a mortgage on a new build on Saturday. I am a civil servant and have been for 9 years. My OH is an...
View ArticleHypothetical Mortgage Application
I have just landed myself a pretty nice new job working offshore. I am a permanent employee and the remuneration rates are not 100% straightforward. I have a salary (retainer) which is a modest amount...
View ArticleApplying for mortgage
Hi everyone, Just looking for a bit of advice on mortgages (although I am aware many things are uncertain in the current climate). We are aiming to be debt free and deposit saved in the next 6 years,...
View ArticleQuick remortgage question
We bought our house for £167k as it needed some work done to it and should have been about £180k ish. I'm just doing a comparison site at the moment and it asks property Value. Do we put what we paid...
View ArticleAdvice Please
Sorry new to this, so your help would be greatly appreciated. My mother (73) is becoming more and more housebound, and she is looking to move in with me and my family. We currently live in rented...
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