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Shared ownership advice needed with ccj
I have recently found out that i have a ccj registered against me that i knew nothing about. I was thinking about applying for a shared ownership mortgage. Would that be possible with one ccj (that will be settled before i apply) and some defaults? Thanks
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How to best rectify endowment short fall?
I have recently received notice from my endowment company of a probable short fall and want to take steps to rectify this but not sure how best to do it. I have an £80k mortgage made up of 2 x 30k interest only (covered ho ho , by 2 x endowment policies) and a 20k capital repayment. The endowment policies mature in 2012 &…
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Remortage on buy to let question
Hi When my buy to let fixed rate ends the rental will now not be 125% of my interest only mortgage due to a combination of higher interest and letting the place go a little cheaper rather that having it unlet. Without going into figures etc, does anyone see this being a major problem for my current lender (The Chelsea)…
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My Adviser has just retired I need a new one
I have just heard my much trusted mortgage adviser has retired early due to ill health of his wife. This is a bit unfortunate as I was looking at a new 6 bedroom villa on the beach front in Cyprus for 1.8 million CYP which I think I could buy. My old adviser was bit of a wizard and so I want some one with brains like him.…
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Admin Charges when Re-Mortgaging with same Mortgage Provider
I have just re-mortgaged with my existing mortgager provider and I have been charged £800 for re-mortgaging with them. This seems excessive and I don't know what the 'charges' even are.
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Re-mortgage spouse is discharged Bankrupt ??
Hiya, Really hope someone can help as we are at a loss as to what is best to do ! I was discharged from bankruptcy 18 months ago and have been very lucky to be supported financially for the past few years by my other half (whos credit is fine) Thing is....he has bought a house 6 months ago (our first home) which is great…
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What size Mortgage could I get?
Hi Guys, I've been a long time lurker on the forums and you've given some great advice. I am hoping someone could help me out. I was hoping someone could give me a rough figure on the kind of Value of a house I could get? Heres a bit about me. I'm in a relationship. Girlfriend is a Student. We are both very early 20's My…
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Hwic
your PM BOX IS FULL
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Re-mortgaging for the first time. Advice Needed!
Hi, My partner and I bought our first house nearly 3 years ago. Our only option at the time was the HSBC 100% Interest Only Mortgage. The interest only deal runs out at the end of May so we want to re-mortgage to try and find a better deal. Does anyone know who is offering the best deals at the moment. We're not sure…
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Can I Get this BTL
Ive seen a fantastic BTL. A massive house converted to 4 flats. but its got an old man living in one of the flats who is on a restricted tenancy. Can I get over this
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Should I and do I need an Independent Broker??
Hi all, Myself and my girlfriend are currently looking at purchasing our first property, but have yet to apply for a mortgage. I have had bad credit during my days as a student and have a default on my credit ref file (£500) which was settled just over 4 years ago. This has caused me problems over the years gaining credit,…
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Whats the best Sub Prime Heavy Averse Mortgage at mo?
Hi All, just wondered if any one knows what the best Fixed Sub Prime/Heavy Averse self cert mortgage out there at the moment? I have been told that the Kensington is the best, but are there any better? Many thanks Richard
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Is this a good deal..?
Sorry,need to be brief as I'm at work. Need to remortgage..... Britannia BS 5.69% fixed for 3 years about 45% LTV- no admin,arrangement or valuation fees.Also no conveyancing fees. Does this seem like a good deal compared to others out there at the moment or shouls I investigate further..? Thanks terry
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Nationwide Online Application
After a few days of sorting the offer we now are in the final throws of completing the application. Its online with the Nationwide and we got an AIP with them, however due to a good bit of negotiating we have knocked 2k off the house price and therefore want to knock the 2k off the mortgage amount, here is where the…
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how early can i setup a new mortgage ??
My 2 year fixed term mortgage ( at 4.39% btw !! ) finishes september this year. Was wondering how soon should I start looking to get it renewed, just worries as atm interest rates are increasing, anything I can do about it or do I have to wait til like july / august time to get it sorted ?
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10% Deposit But No Credit History!
First time buyer, but have been out of the country for many years. Now in full time employment but not on the VR and have NO credit history. Obviously once I have a house I can build some up...but will anyone lend me a mortgage (withing 3 x of my eanrning multiples) with sufficient deposit only? Surely they run no risk as…
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Mortgage - Seperation Help!!!
Hi all, I am not sure whether anybody has any ideas on this, but myself and my partner have decided to go our seperate ways after a 4 year relationship. We currently own a property of which we have continued to occupy for the last 2 months since our seperation but things are becoming more and more difficult and stressful…
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Too Old For Mortgage?
Hi - I wondered if anyone could give me a simple yay or nay on the questions below. I am due to see an IFA fairly soon, but want to get an idea of what might or might not be possible so I can be a bit prepared beforehand.. My sister and I have a 95% interest-only mortgage for £140k on a house we bought 3 years ago. We…
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How much could I borrow? Another FTB.
Hi I am currently earning £27,000.00 per annum and am a recently qualified solicitor. Would really love to get on to the property ladder but need to look at what I could realistically borrow (and afford to pay back!!). I have currently got savings of about £5000.00 but also have a personal loan of about the same amount…
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Urgent Buy to Let Help Required
Myself and a friend decided to buy 2 apartments as buy to let investment properties between us. The price for each property was £211k which we negotiated to £188k, which included a 10% deposit paid incentive from the builder and some other small benefits. We put in a 5% deposit on each property to make up the required 15%…
