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4x joint salary?
Is it possible to borrow around 4x joint salary? Partner and i both have no loans, credit cards, dependents etc. and we have a 10% deposit. Do you think we could find lenders willing to give us (slightly under) a 4 x multiple based on affordability? Which lenders use affordability calculators?
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Lenders products not available to L&C?
Hi, I am aware there are a few lenders who do not make their products available to L&C brokers, HSBC being one, and I think Egg and ING also. Does anybody know which other lenders can be included in this list please? Thanks :)
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Best 10 Year Fixed Rate Deals Out There
Hi guys, i'm looking to find the best deal on a fixed 10 year deal, not having a lot of luck down to not knowing where to go, or what to look for. Could someone point me in the direction of who is offering the best rates on fixed 10 year terms ? Thanks :beer:
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Getting Mortgage - Electroal Roll
Hi - my partner and I are looking to buy in about a year to 18 months. However our current rental contract is up in June and we want to move house (flat we are in has chronic condensation damp, plus we need to be closer to our preferred primary school as eldest will be 4 next spring...). However, will changing address so…
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Joint Mortgage Woes
After divorce I agreed to let my Ex keep the house as part of a clean break financial settlement. I haven't lived in the house for 4 years. My ex is now in arrears and has not taken me off the mortgage. I really want to get on with my life now, how can I get off the mortgage?
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Missold Endowment
Hi everyone, Can anyone tell me how I start the processing of claiming compensation against my endowment. Are there any template letters? Do I send them letter to the Financial Advisor [IF I can find him] or to the Company who we have the endowment with? Many thanks in advance :confused: :confused: :confused:
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Should i go for 2yr fixed or 3yr discounted deal?
What do you think?
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Loan for a deposit!???????
Need some advice form you mortgage brokers. I'm thinking about taking out a £10000 loan with northern rock over 10 years for a deposit on a house. Now the repayment of £153 will be my only debt other than the mortgage. What I want to know is whether mortgage lenders frown on using personal loans as a deposit. What I also…
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Mortgage Review
:beer: Good afternoon all, have just dropped by from the debt-free wannabe board to pick your brains. My mortgage is due to be reviewed in October 2007, currently with the Halifax. Also have a secured loan with GE. My questions are: When I have my mortgage review will they only review my actual mortgage or will they take…
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endowment mis-selling
i started an endowment policy with prudential in 1988. prudential tell me that i signed a proposal form on 22 june 1988 which is just before the date for endowment complaints. The firm that sold me the policy is no longer in business. Any ideas
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Shared Ownership Mortgages
I'm currently looking at this as an option, but doing my research. Can anyone point me in the direction as to some of the best Shared Ownership mortages around at the moment? Many thanks
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Changing fees on a mortgage when rights sold
Can anyone advise me on this please? I took out a mortgage with GMAC in Dec 05 fixed for 2 years, it was transferred to North Yorkshire Mortgages in March 06 they then sold the rights to SPML in June 06. The original letter from GMAC advising me of the change states: "In accordance with the terms of your mortgage, there…
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Current account mortgage but no savings!
I am looking at remortgaing as have to find about 16K to fund a new kitchen and my existing credit card debts. I am looking at possibly moving abroad in a say 3 or 4 years (and potentially renting my house out) and I was thinking a current account mortgage could be a good move. Obviously I have no savings to offset the…
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advice needed with build to let
put this on a different forum, but maybe needs to be on here. please help if possible, my husband is a builder, we have a house worth £350000 with no mortgage. we would like to build to let. and were wondering if this was possible. he is 56 so his age and earnings (as self emloyed ) would go against a normal mortgage. we…
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Lender with the best 2/3 year discounted rate with no fees or penalties???
Hi, Can anyone help. Im going round and round in circles, too much info, not enough understanding! :o I presently have a discounted mortgage with the Haifax which is ready for ending now the 2 year discounted period is up.Ive been in to talk to them but unless I want a very very big mortgage they cannot offer me anything…
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Military man needs help
Im comming out of the RAF in the next 5 months. I have £85k outstanding on a repayment mortgage. This is for a house i'm presently renting out with a tenant aggreement til July 2008. When I come out I will have £90k lump sum avilable and £700 a month pension. My wife wants me to buy a house to a value of between…
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Conveyancing fees for moving
Can anyone advise on this? We have been given a quotation from our conveyancers which includes a £125 redemption fee. When I queried about this I was told it was a charge for paying off our mortgage however I was under the assumption as we had added an extra loan to buy another house to our existing mortgage and are…
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Mortgage fees
I have just changed my mortgage and had to pay a set up fee of £700! This has subsequently been added to my motgage. Looking at my options they all seem to charge this, can anyone tell me if I can do anything about this considering the deal has gone through? By the time they add on the interest the admin fee is big money.…
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First time buyer help!
Hi all, I hope you can help! I have just inherited (sp?) £40,000 from the sale of my deseased grandmother's house and would like to purchase my own house....however at present I am only working part time earning approx. £5,000 (excluding benefits) and am unsure about whether or not I will be able to get a morgage. Can…
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Mortgage Endowment Misselling
Hi, I've just recieved a letter from the Norwich Union regarding the mis-selling of my Mortgage endowment, while my complaint was upheld, they say that i'm entitled to no financial redress under the calculations they use as well FSA. This is what i dont understand surley if someone mis-sold you a financial product that in…
