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Can we Afford this?
Hi all, I need some on buying a property and whether my girlfriend and i are over stretching ourselves. we are currebtly renting a property for £475 a months with all the added extras on top. We are currently looking at buying a property at auction. The property is a mid terrace 3 bed. We have savings of £30000 and are…
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Credit Limit Query
Morning all, Just a quick one, my girlfriend and myself are looking at getting our first place together and having never had a mortgage before, we're a bit unsure of how mortgage companies rate "bad credit". Is adverse credit only based upon CCJ's/defaults? We've never missed paying a bill, although some have been late,…
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How long did Brittania take to underwrite your mortgage?
Hi , My husband and I are itching to buy a new place and we are currently the only ones left in a short chain that are waiting for our mortgage to be sorted. Things are underway but we are waiting for them to do the credit checks...and whatever else they do. Just wondered if anyone else has recently got a mortgage with…
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Mortgage/Id
Just about to apply for a mortgage.They are asking for a driving licence or passport.I only got married a few weeks ago,and was not going to change my docs into my married name,until i moved house.Will they usually accept my marriage certificate (which is just a contract really) in addition,or will i need to get one of…
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Mortgaging Tips
Hey guys, I am new to this forum and I want to share with you an article at https://www.expertsonmortgaging.com Enjoy reading!!! :)
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Broker/Mortgage Genie/MoneyBackMortgages - How quick compared to buy direct?
A quick question for you experts out there please. In Martin's article on mortgages, he draws attention to Money Back Mortgages and Mortgage Genie who give you 50% of the broker fee back on completion. I realise that you get no advice for this, but think that I have found the deal that I want. 1.Has anyone used Money Back…
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Help,im in a quandry. Want to buy a house
Guys, I need some advice here. I live in a private rented terraced house in a regeneration area. I have always admired the house opposite, same as mine but double fronted and an upstairs bathroom, and up until now, it has been owned by a private owner. the family recently moved out and the house went up for sale. The…
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Standard Life changing SVR but not due to BOE
Hi This is my first post here and I wonder if anyone can help please. We have a Discounted Standard Life Freestyle "Standard Variable Rate". We have been with them for 1 year and the mortgage is discounted for 2 years. We received a letter this weekend stating that they are increasing the SVR by 0.15%, the reason being and…
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Fix now or wait?
Any advice on whether going for a 2 year fix is a good idea. I can fix at 5.89% now - but some commentators seem to think that rates may come back down in the next 12 months?
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How independent are Mortgage Brokers??
I have a general question. Having posted a separate thread regarding a mortgage I thought I had to only be told at the very last knockings I had not got it, I have had plenty of responses and advice from many people to which I thank. However, as I feel I had been let down after a wasted 6 weeks I did not want to go through…
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Mortgage payment holiday
Hi Does anyone know if Basinghall (our current mortgage provider) offer a payment holiday option? We're struggling a bit at the moment, and could do with a few months breathing space. Many thanks
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Help With divorce & Mortgage
Hope someone can give some advice! My best friend has split up with her husband. Now, They have a mortgage on their house which she wants to keep for her and her son (not his son). While she is finding out if she can buy him out, is he legally bound to still pay his half of everything? Mortgage and bills included? :beer:
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Prudential endowment policies - sit tight?
I have 2 policies (originally Scottish Ammicable) with an original combined target of £55,000. By remortgaging and making overpayments I have reduced the amount outstanding to £40,000. The 1st policy is with profits and has a target of £35,000 (monthly premium £43.35) and matures in March 2013. The declared bonuses for…
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Should I waint for a few months?
Hi, I am in the process of looking for my first house, I have spoken to a few mortgage advisor's to see what I should be able to borrow on my salary and it is a bit less than I thought.. I currently bring in £1791 a month before tax and they seem to think I could borrow upto £100,000 IF my credit score is top notch, which…
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Will I find it hard to get a mortgage?
I'm looking at a flat that has roof problems. The owners have offered to give me a big discount on it if I'll take it as it is. Obviously I'll get a full survey first. Will I get a mortgage with the flat in it's current state? Is it possible to get a mortgage that will include extra to cover the repairs? Cheers.
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Help - Natwest Rip off
Hi there, In 2004 I took out an offset base rate tracker with Natwest which was .85% above the Bank of England rate. I have just noticed that after 20 months, they added an additonal .05% on and it was .9 above BOE rate, and that 6mths after that the have now managed (without me fully noticing) to add another .05 and it is…
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Help me find a mortgage adviser
Hi all, I'm currently living in a property I'm hoping to buy from the owner. I need some mortgage advice and I'd like to meet face to face with someone, rather than use a call centre-based mortgage adviser. Can anyone tell me the best way to find a helpful mortgage adviser in or around Northampton? Thanks in advance!…
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Has anyone applied for Giraffe Money's mortgage?
I had a look at mortgage deals and Giraffe Money seems to offer the best fixed- rate mortgage (5.68% for three years, no higher lending charge, no arrangement fee, evaluation fee paid by the company). But there is no review on the internet. Has anyone here had any experience with Giraffe Money?
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Mortgage in my situation...advice please
Hello and happy saturday evening:beer: :D In about 3 years time I am going to be a keyworker, meaning I should be able to get onto the key worker housing scheme. I would hope to do this on the open market because where we live there aren't many or any of these affordable houses going up. Within 3 years time the debts…
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mortgages
Just a quick query, some time in the new year i will be looking for a mortgage, i am wondering if i could expect to get a 100% mortgage, heres the but, My credit history is less than perfect, i have 4 satisfied defaults and 1 satisfied ccj any advice welcome thanks
