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daughter needs a home
can anyone advise please i am moving into council bungalow for health reasons my house on endowment morgage i am on dvla, income support etc my daughter is student with 2 children she will need to move out of rented house in july will she be able to live in my house and pay interest on morgage aprox £25 per week, all bills…
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Help - Problem with remortgage in Scotland
Need some urgent advice please! I'm in the process of buying out my husband and while arranging the re-mortgage my solicitor has found out that there are still three outstanding Discharges for Standard Securities on the property from the previous owner. (Our original solicitor has gone bust and vanished with his files) 2…
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Redeeming Mortgage- Can a use a credit card?
Evening Im redeeming my mortgage in a couple of weeks as im moving house and porting it to a new property. When I applied to do this I was told I owed just over 115k. I got my statement today and it seems I need to come up with £116800!! Im guessing this must be fees from when I first took it out. Can I pay the 115k back…
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Future Mortgage
okay guys I will be looking to buy a house in 3-5 years time, depending on when I get married. I have 1 Satisfied CCJ, which is very recent. I know this will prevent me getting a mortgage from a high street Bank. In terms of employment, how many years do the lenders need paperwork for? as in 3 years minimum salary coming…
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First time buyer??
Hi, I'm wondering if anyboady can help. Me and my boyfirend are looking to get mortgage to buy a house however, he already has a house and I don't. My query is, would we be classed as first time buyers?? Thanks for any advice you can give.:)
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mortgage as investment
Hello, sorry if this sound stupid to someone,but im new in this. I have been paying rent for 5 years, avarage £550 every month. That is over 30k paid on rent.(wasted money) Now i'd like to buy a 2 bedroom flat for about £120k and rent it out. Is there any kind of mortgage witch has decreasing monthly repayments/ flexible…
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Where do I stand with mortgage protection?
This is only my second ever post so be gentle with me, please! I've been searching to see if anyone has been in the situation I now find myself in. I was permanently employed, working full-time. The company has "persuaded" me to leave. I've signed a compromise agreement, but have not been made redundant. I asked my…
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Fixed rate finished help
Hi my fixed rate mortgage is finished and i am currently under DAS my question is can i look for a new fixed rate or will the companies not touch me when im under DAS. Want to try get sorted before the interest rates start going up thanks.:D
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Is this possible?
Me and my partner currently own two properties both on repayment mortages in our own names only. One Is rented out and the other is lived in by us both. We want to move to a larger property but would like to keep both properties as an investment. Property Details: Property 1: Value £70k in my partners name on a repyament…
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Inherited half a house am I still a FTB?
Hi My Dad sadly passed away recently and has left his home to my stepmum and I as tenants in common with 50% stake each. He has also left me some money for a deposit as he wanted to see me settled in a home of my own. My question is two-fold, the Will states that my stepmum can live in the house for as long as she wants…
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Can we get a mortgage?
Hi, I have worked in payroll for 3 years, i changed jobs recently and have a 3 month probabtion period which im about 4 weeks off completing. My girl friend has been in her job for around 10 months and we have a joint income of about 37k per annum. She is currently paying of a student overdraught which was £1500 about 2…
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uk and foreign owning mortgage capital raising
At the moment i reside abroad and get lots of mail aimed at my isp which has got me thinking about raising some capital to buy another home where i live(in turkey) There wa sa company called ubiquous mortgages which traded out of spain which seemed to be offering decent interest rates using Japanese accessed funds--it all…
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low income but no overheads
Hi, I am full time employed and have a very stable job, I don't have a lot of outgoings, my company pays for my accommodation, water and council tax. At the end of each month I get about £1000 as a salary. My wife works as a mentor at a local school and takes home about £1300 per month. We have 2 young children. About…
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Releasing equity for second property.?
I currently have a mortgaged property with, I believe, a large chunk of equity in it. I have had the property for approx 16 years. 10 years ago, I fell ill with a paticularlry damaging arthritis, which has left me disabled. Currently the mortgage is paid by a portion from the Benefits agency, and I make up the rest. There…
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First Time Buyer!
I have just came from my Bank (HSBC) where i've made a sole Mortgage application, 90%ltv 10,500 deposit, house value 105,000, it now needs to be sent to the 'underwriter' to look at my application. The application was easy and pain free, and they said it will take 3-4 days for the underwriter to approve, and there was no…
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Buy to let
My BTL deal is coming to an end. I need to remortgage but with a company who requires no proof of income any suggestions. I have a good credit rating. The property is tenanted. Thanks
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Agency worker
Hi all, I suspect the answer to this will be a "no" but would welcome comments. Ideally I would like to apply for a joint mortgage with my partner. He works for the NHS through an agency but is not currently on a zero-hours contract (although that may be an option). Would his situation be considered by a main-stream…
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Mortgage Declined due to no british passport
Hi, My partner who has the right to live in the UK (has been for nearly 12 years) but doesn't have a british passport, he applied for a mortgage on a flat, got all his debts cleared and his defaults only for the mortgage lenders to decline it after 6 months due to the fact that he doesn't have a British passport. :mad:…
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Fees for remortgage
Hi guys, Currently looking at my first ever re-mortgage... I was just wondering what fees I am likely to face when remortgaging such as valuation fees and the like... some lenders seem to pay some of these for you but its all very confusing... Also noticed some offer to pay your legal fees providing you use their…
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hsbc/ first direct mortgage criteria is ridiculous!!! low rates but no customers
i have a deposit of 185000 looking to borrow £135k max ltv is 40% or so .... in the affordability they do not take into account a rental income i have, im in a sales job with commision but will only rate me on basic wage unless i have been with employer for 3 yrs and will look at commision over this period combined…
