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Thinking about being a FTB
Ok, personal circumstances mean I will be relocating back to my home town some time in the early new year, the purpose is to take advantage of 'affordable' property as I simply cant buy here in Bristol. My home town is Stoke on Trent. I also need more space, and to be closer to freinds and family, but thats another thread…
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Mortgage Discharge Fee
Hi guys, I am after some help please. We currently have our mortgage with Northern Rock and it is on a fixed rate for another 4 years (we have had the mortgage for 1 year). We have just purchased a new property and Northern Rock are transfering our existing mortgage on the fixed rate to the new property and lending us more…
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Knocked back for online approval and don't know why.
We're looking to borrow approx 85K on a property worth 145K. Annual income 25K. No bad credit history. Any ideas as to why were would have been knocked back (waiting for a call back from the lender). Many thanks.
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can i get a mortgage whilst on a DMP?
Hello everyone...just popped over from Debt Free Wannabee forum and need some urgent advice as cant seem to find any info at all. Has anyone, or does anybody know if it is still possible to get a mortgage whilst on a Debt Managent Plan? If so do you know who to talk to, who does them etc? Any help would be most…
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Can I get a mortage whilst on a DMP?
Hello everyone...just popped over from Debt Free Wannabee forum and need some urgent advice as cant seem to find any info at all. Has anyone, or does anybody know if it is still possible to get a mortgage whilst on a Debt Managent Plan? If so do you know who to talk to, who does them etc? Any help would be most…
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Tax Credits - Wrong income on letter (mortgage related)
We have been able to use our tax credits to add to our income for our mortgage. We didn't have all the papers when we gave them to our broker - only the bit with the amounts so he just took that and sent it off to the underwriters. He phoned me yesterday to say they need all the pieces of paper ( all 8 pages!!!) so I…
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Play it safe or go for broke?
We're planning on moving next year and have a bit of a dilemma. We have a joint income of £38000 and have seen some beautiful houses at around £200000. We'll have saved £10000 and should get at least £10000 from our current house so would need to borrow £180000. Do any high street lenders with decent rates lend at this…
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help!
Hi, I am thinking of buying a studio or 1 bedroom apartment in South West London (Earlsfield, Putney, Wimbledon areas) for around £200,000. A bit about me - i'm a 25 yr old male on a salary of £22,500. I have no depts or bad credit history and over £8,000 in savings (yes I still live with my parents!!!). So basically, can…
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Fast Track
Hi, Anyone have any idea how long a "fasttrack" remortgage should take?
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Remortgage advice
I will be coming to the end of a 2 yr deal at the end of February. I'm wondering whether it's too early to contact a broker at this stage - especially if interest rates come down in Nov or Dec. Perhaps there would be better deals on offer if I hold off? Any advice much appreciated!
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Berlin BTL Question
Hello Having been a staunch supporter of european property in recent months and with the cheap prices in berlin for a 2 bed (30k+) i wish to buy a property can anyone on this board recommend a broker as my mortgage adviser cannot do German mortgages Tom.
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Cashing in an endowment policy
I have a house that is shared between myself and an ex-partner. The mortgage is £50,000 and the house is worth in the region of £240,000 now. Both myself and ex are now struggling moneywise and the house will need to be sold, with a good profit for both of us. He has a new partner and a new mortgage on another property. We…
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Would they give us this ammount?
I currently have a mortgage of £44000ish, flat worth 135-145k, we want to move to a house costing 240k so we need 160k after paying fees etc, would we be able to borrow this much,joint income of 40k.
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27% falls in mortgage approvals!
Please see here for discussion: http://forums.moneysavingexpert.com/showthread.html?t=584622
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27% DROP in number of Mortgage approvals!!
http://business.timesonline.co.uk/tol/business/economics/article2737191.ece Came across this article, it is a phenominal drop!! 27% drop in the number of approved mortgages from comparing Sep 2006 and Sep 2007. That represents a huge U-turn in the general public's sentiment. The approved mortgages figures are taken as a…
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Moneysupermarket adverse credit definitions
I am hoping somebody can let me know whether they agree, On money supermarket within the mortgages section they have a best sellers list on the website. There is a section there for adverse credit. This states that adverse credit is classed at 1 ccj. Surely this cant be right? It also lists the best adverse credit mortgage…
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selling endowments
:cool: Where is the best place to sell an endowment taken out in 1993 and has until 2014 to run?
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FTB with new job
Hi there. Me and my partner are looking to buy our first home together early next year when we've managed to finally save our 10% deposit. I'm also (hopefully) getting a new job within the next two weeks. So my question is: When we apply for a mortgage to a broker, what evidence (in terms of proof of salary) do I have to…
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Arranging mortgage online...
Hello, I am thinking about getting a mortgage again, in order that I can purchase a bigger house. I haven't had a mortgage for a number of years, so I met with the in-house Mortgage Advisor in the estate agency that is selling my current house. We had a long meeting and discussed a number of options, which eventually…
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Two P/T jobs implication on mortgage renewal?
Hi Folks, I've just recently ended up working in two positions which although add up to a full time post are technically both part time and at different grades. The jobs are both in the same company and I was working full time up till this month. My question is, does anyone know how mortgage companies view this? My…
