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MSE News: Property asking prices down for third-straight month
This is the discussion thread for the following MSE News Story: "Asking prices fell during September as estate agents continued to have record levels of unsold stock ..." Read the full story: Property asking prices down for third-straight month
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Endowments
A while back we put in for our position to be the same had we not taken the endowment. We were so skint and took a paltry amount which didnt put us back in the position we would have been in can we not go and do it again or have we burnt bridges
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Consent to Let - Halifax
Hi I have a FTB buyer mortgage with the halifax, my circumstances have now changed and I am re-locating, and looking to buy another house. Will halifax give me permission to do this, what is the best approach to use when I speak to them? Is there likely to be a rise in the interes rate? And finally if I get permission am I…
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steel surveys
Can anyone reccomend a company that does steel framed property surveys? Cheers :)
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This is a tricky one...
Right, hi all :) This is my first post and i hope it makes sense! Basically, our mortgage repayments are shooting up from £460 to £1035 in 2 months time, which we cannot pay :( Our mortgage is with Northern Rock and out deal is coming to an end in November along with the end of our "interest only" 1 year agreement we have…
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Should I renew my mortgage deal
I'm new to the forum and would like some advice.... My fixed mortgage deal has expired and I've dropped onto Halifax's SVR saving approximately £300 per month. I have a high LTV and dont know whether to try for a new deal or enjoy the savings. Any advice would be appreciated
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FTB advice please
Hi Would be grateful for any comments on our situation please. My partner and I are looking to buy a house around easter time 2011. We will have approx 18K saved and earn £50K between us(teacher and local authority town planner). We are thinking about buying in the region of £150K and both have decent credit history. I…
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Marriage and mortgages
I would really appreciate some advice from anyone who knows anything about this I have literally had to put my whole life on hold for my past mistakes!!! Right from the start - me and my partner got together 4 years ago at the same time I went bankrupt - we got engaged just over a year ago and want to get married. We also…
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Getting mortgage
Our situation. Joint income 52K. Annual bonus about 2K(which I understand does not get taken into account). DLA for one child 2K(guaranteed for 5 years). We also pay £243 each for childcare under the government scheme and this is taken from our wages before tax. We have 3 kids and pay childcare for 2. One is going to…
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Confused about concent-to-let and new mortgage
Hi.. So basically I have a house at present which i am living in - but me and my partner have seen a house we REALLY want.. i spoke to a broker who said I could change my house to a consent to let until it sold so i contacted my mortgage lender who confirmed they would change it to a concent to let.. soo that part all…
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Mortgage shortfall after repossession ... Help
Hi... My partner purchased a flat when he was 20 and lived in it with ex girlfriend and friend after a while his friend moved out and his relationship ended and he went through a major low was diagnosed with depression by doctor and given tablets... He was self employed as carpenter and also the trade was suffering due to…
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Mortgage overpayment or Debts?
Hi My current fixed rate is due to end in November and it will drop down form the 5+% we have been paying, we will then be approx £150 per month in pocket but have substantial debts we are paying off. Most were on balance transfers but these have now ended and we cant move them anymore, although we havent missed any…
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Government Mortgage Rescue Scheme...am I eligible
Is there anyone out there who has a working knowledge of this scheme please that could advise me on a point about the criteria. I have just read up brief details about it on the Direct.Gov website and downloaded their leaflet and I do meet the criteria so far as I have a dependent child in full time education etc. As I…
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2nd Charge on a property
Hi, I am after advice, 3 years ago I lent a relative of mine £60K to build an extension on her house. She was paying it back then got into a relationship with a Portuguese Handpump (W****R), who I believe got her into smoking drugs. He has convinced her that there is no way I can claim the money back so 'sod me'. Can I put…
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Moving in together, should I sell my flat?
Hello, i have a question please. I'm moving in with my partner and wondering whether to sell my flat or keep it to rent out (as an investment, not for security that we might break up!) Iv been given consent to let but what iv been advised my flat woul achieve will just cover my mortgage. The LTV is 90% I can afford to over…
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house sale collapses, does mortgage advisor get paid?
Hi everyone, I found out yesterday that the vendor is pulling out of the sale of a house I was buying (proposed moving date was in just two weeks away). I haven't heard why yet but it looks like personal reasons/family issues. Anyway, I'm gutted but OH and I have decided that we don't have the time to scramble around in…
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SPML Can I get some help please
Hi everyone I have a mortgage I think with SPML. I was unlucky enough to be advised to take a mortgage with these sharks back in 2005 and they have made my life hell ever since. I make the payments to mortgage every month at my local barclays branch and for some reason at least once or twice a year a payment will going…
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Change mortgage terms before drawing down?
Hi All, Don't know if anyone has been in this situation before or has any help / advice they can give? I have recently applied for a mortgage (house move). I am sticking with my original mortgage (for current place) and porting it accross and am totally happy with this. However need to borrow an extra £25k for new place. I…
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Tricky FTB situation
Hi, Me and my girlfirend have been together 2 years now and wanting to buy a house together. I earn £29k with another £900 extras per year (not 100% guarenteed). She has 2 jobs with earning about £2.9k and £4.5k. We have around £41250 for a deposit, maybe 42500 if needed. We have good credit ratings and been in our jobs…
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Advice for FTB please
Hi, my partner and I are in the early stages of buying a new build flat. It's valued at £115k, and we have an 85/15 split with the company. The 15% will be interest free with no payments for three years, then seven years at 0.3% interest. At the end of the ten years, we pay it back or remortgage to add it to existing…
