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Buy the House next door - Advice please!!
We would like to buy the property next to ours. It is a terrace and we think was originally one property with ours. How do we go aboout getting the mortgage. Ideally we only want to end up with one loan against one property once works would be completed. Any ideas.
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themortgageworks.co.uk
Hi, Has anyone taken out mortgage with "The Mortgage Works"? Looks they just provide Buy to Let mortgages but has better rates than any other BTL mortgage providers. http://www.themortgageworks.co.uk/content/home/ What do you think of them? Are they strict in providing BTL mortgage? Thanks MS
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Mortgage advice
I am new to the forum and wondered whether any experts could advise me please? I would like to get a mortgage and I know they are going to assess me regarding employment. I have been in my current employment for the past 3 years and I have a new job lined up in a different city which is very exciting. I have enough deposit…
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New fix deal?
hello, i will be re mortgaging in september.i am on a fix rate of 6% and will have around 36,000 pounds left to pay off,does anyone know what fix rate i could be on and how much my monthly payments will be? i have 10 years left on my mortgage,thanks
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First-time buyer/Shared Equity & 'complex' income?
Hi, I'm applying to the Scottish Government's shared equity scheme - to complete my application I have to provide 3 mortgages quotes based on my income. It's all very straightforward until I start thinking about my 'income' and hopefully someone can help - failing that I'll just call up each lender and ask. I get a basic…
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finding a mortgage with previous bad credit history
Hi All. Hope someone can help. Me and my wife have previously had bad debts which are now cleared, 2 ccjs and defaults. CCJ's were from 6 years ago, but only recently cleared due to us selling our home and moving with parents. My wife has only recently found a job and as we are now both earning full time wages and have a…
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mortgage or remortgage
i have been given some advice im not sure is right but does anyone know if i am better getting a mortgage for my first home or my parents are willing to remortgage their home and i pay the remortgage on their home and pay mine out right is that possible if so which is best to do.
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Best 5 yr fixed rate 60% LTV?
Has anyone found a better deal than Britannia 4.24% with a fee of £999? I have noticed that the rates are creeping up and I am keen to secure a deal.
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Fixed Rate&fixed term mortgages advice please
Hello. My fiance and me are looking for a house at the moment and think we've seen one - viewings etc being organised. What we want is a fixed rate, fixed term mortgage - fixed rate for the full term of the mortgage. Does anyone have any advice on the good providers, who to avoid etc? Thank you Scottish Snowy
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Remortgage advice
We're due to remortgage in the next few months and I've just alarmed myself by looking at the FSA mortgage finder and not being able to find any that fit our situation! We bought 2 years ago for 195,995 so I'm assuming a current valuation would show about a 15% drop judging by the posts on here? (hoping that's not too…
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Would an equity release scheme be appropriate?
I've just been speaking with a friend who shares a largish house with his brother. His salary is low and wishes to pay of some loans and increase his income somewhat. They are unlikely to have dependents and are both within 7 years of retirement. I guess an option may be one of the equity release schemes, however a…
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Redemption Penalties
Hi My two year fix with the Halifax runs out on September 30th 2009 allowing me take take up a new mortgage on 1st October. I am part exchanginging with a builder and they insist on the day of exchange being the 30th September due to their financial quarters. Although I have paid every payment on time over four years (four…
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Is this true
:rolleyes: When I split from my ex (15yrs ago) I took my name off the mortgage we still have a joint endowment policy. I would have kept the house but he moved his new girlfriend in and it was two against one. Now i'm getting threatening letters to take me to court to have my name taken off the policy. He has since sold…
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no debt - no job - no mortgage?
Hi there, I wonder if anybody could help me with this. I own my property outright and its worth about £145k. I intend to pursue full-time study with NO (or at least very little regular) income and want to get approx £40k out of the property to cover me for repayments and living expenses for the 3 years. Is there any hope…
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New mortgage help please
I would like to take out a mortgage for £200,000 against a £650,000 house. Would it be best to go for a 5 year fixed rate mortgage in case interest rates go through the roof? I am looking for one obviously at a low rate but also with no early repayment charges as I am expecting an inheritance within the 5 years to pay it…
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have I got my maths right? Overpayments
Hi. I have a mortgage with nationwide. fixed 5.29% I pay the full 'extra' allowance each month but I was just looking through the paperwork and the Early repayment charges are 3% of the amount repaid. I don't know if I'm looking at this too simplisticly but if I make overpayments beyond my allowed £500 per month Id be…
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Voluntary Posession
Hi, I have a property which is jointly owned with my ex-partner. We had the roperty on the market for 18 months and didnt achieve a sale. I had moved out of the property when we separated at the beginning of 2007 and he stayed in there until August 2008 after which due to work relocaion he had to move out. We continued…
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95% mortgage deals??
Hi, i am looking to buy something for £130,000 i have a 5% deposit. Does any one know of anybody that still gives 95% mortgages?? I know 95% mortgage have a high rate and are not ideal but i still would like to know if anyone has this deal?:confused: Thanks
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Mortgage free - need cash
Hi all, my partner and I own 2 properties between us, mortgage free, he also owns another property that a family member stays in so we can't really count that. The 2 properties are let out. Is there any way we could borrrow in this situation say approx 40% (£100,000) of the value of the 2 properties that are let out? The…
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needing to obtain 3 mortgages quotes, how to do?
Hi there I was hoping some of you guys could help me. I am looking into the open market shared equity pilot whereby the government will help fund between 20-40% of the property as a deposit using an interest free loan. I have looked into alot of these schemes and this one does seem to suit my needs as you can locate your…
