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Limited Company Buy To Let
Hi All, I have been in property for approx 5 years, and have a limited company with SPV code, and have a portfollio of 14 properties with a market revised valuation as of July 2009 of £1.2m, and outstanding morgages with woolwich of approx £750k on excellent trackers ranging from 0.29 to 1.49% lifetimes. However we have…
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Separation/Northern Rock/Negative Equity etc...
Hi all I have go tmyself in a right old mess, here goes... Two and a half years ago I bought a house with my partner with a 5 year fixed rate Northern Rock Mortgage, the relationship has since broken down and I was hoping some users may have been through this situation and can give me hope that there is life at the end of…
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Mortgage/loan on lock up garages?
Hi does anyone know if it is possible to get a mortgage on blocks of lock up garages. and what type of loan, ie. buy to let, commercial mortgage etc many thanks
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Self Cert help
Hi all, Am looking for a good recommendation for a self cert mortgage provider (broker or lender direct). I have 30% deposit and purchase prices is £205k. I can prove my income but it is quite sporadic. I get a guaranteed monthly amount but also work contractor status so earn pretty much twice my monthly guaranteed salary.…
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Joint mortgage & separation/divorce problem
Hi Can anyone help, i'm mega confused and not that well up on borrowing money. I split up with my husband, and father of my 10 month old child a couple of months ago. Wanted an amicable split initially, especially so he could stay close to his son, so he's carried on living in the house, but the situation is becoming more…
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Increasing the Lease.. Is it really this cheap?
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Offset / Cheap Borrowing?
Hello, I'm currently being charged 1.25% interest on my offset. I am in the fortunate position to have completely offset my mortgage due to parents/my own savings. However being charged such a low interest rate has anyone looked into actually paying interest on the mortgage and moving the savings to a place where it will…
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Mortgage Arrears and other Debts
Hi all, been reading these forums for a while without posting anything. Bad news first: We are in arrears with Lloyds TSB, approx 5 months/£2500, we have an agreement with them that as long as we can keep up with our monthly payments they'll leave us alone until December at which point we need to repay the whole arrears.…
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Remortgage.
Is it oversimplitic to say, that now I need to remortgage, all I have to do is check a few comparision sites and pick the cheapest rate? Any need for expensive/unimpartial mortgage advisors or time consuming visits to many banks/building societies? It can't be, can it?
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LTV on remortgages??
Hi, I have had a mortgage with my friend for over 3 years now. I now want to get a place of my own with my girlfriend and hand over the mortgage to my friend. Just 1 quick question.... How does the LTV work when calculating a remortgage for my friends behalf? He can definitely afford the mortgage on his own but when he…
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First Time Buyer joint mortage - partner with no credit history
Hi all! My partner and I are just about to embark on purchasing a property. I have a perfect credit history (number of credit cards + other credit accounts always settled in full, no black marks at all). My partner, on the other hand, has absolutely no credit history. She has never had a credit card, mobile phone etc., but…
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On Nationwide BMR - can i make lump sum overpayment
Anyone know if I can make a lump sum overpayment on the Nationwide BMR? Terms of my fix whoch has now ended limited me to overpayments of £500 per month (otherwise there would be a penalty). I wish to make a one off lump sum overpayment -is this allowed without penalty now I'm on BMR? edit - sorry, i have just finally…
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Am I right in saying that...
...assuming I get paid at the end of the month, the best time for me to pay my mortgage repayments would be at the end of the following month? Hi, I've just had my first mortgage arranged and I currently get paid at the end of the month. My mortgage repayments are due on the 1st of the following month meaning my money is…
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Joint mortgage on splitting up with partner.
A friend of mine split up with her boyfriend last month, and moved out of their house immediately; they jointly own the house which they bought last November. He's now, apparently, seen a mortgage adviser who's told him that he's entitled to ask her to sign everything over to him because she's no longer in the household…
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ex local authority house
Hi,we have owned an ex local authority house for the past 20 years (2ND HOUSE)and are looking to sell it in FEBRUARY 2010 ,when purchased i believe it was classed as a REEMA CONSTRUCTION.does anybody out there know of any lenders that may lend on this type of house.the house has 3 bedrooms d/glazing all round central…
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Survey Confusion
Greetings fellow moneysavers, Need some help with mortgage surveys. We'd like to have a full survey carried out but have the gas boiler and electrics checked. The homebuyers reports doesn't include this but we haven't seen any mention if the building survey covers this. What's the best way to have everything checked out?…
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so
can some one tell me if there are ANY lenders that will do shared ownership mortgage with slight adverse credit and 20% deposit ty
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FTB worrying about the future
Hiya everyone, Myself and my boyfriend are currently saving for a 10% deposit and planning on buying next year. I've been swotting up on these boards and trying to learn about everything, but i'm still a bit concerned and would appreciate a little help. I have decided i want a fixed mortgage for 5 years probably, as i want…
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garantor mortgages
Hi does anyone know which banks allow garantors on mortgages? advice please
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first time buyer mortgage with student bursary
Hi, myself and my boyfriend are looking to buy our first house, it is a new build. We have 15% deposit saved and therefore need a mortgage for 127,500 my boyfriends income is 24000 basic then overtime and I am a nursing student therefore have a student bursary of 6,500 a year and also have a part time job earing 3,000 a…
