-
mortgage traps
ups. please delete this thread! I created it by accident and I don't think I can delete it on my own. Sorry for that.
-
Do I give advisor my Experian passwords?
Hi, I am looking to move my very high Fixed rate mortgage away from NRAM with approx 85% LTV.......house gone down in value since we got it!!! Anyway, I went on compare the market who put me in touch with a financial advisor.........he told us to get our experian credit files and said he will need the passwords etc? This…
-
Likely rates and best chance to secure mortgage
Hi gang, As usual, need a bit of advice! The situation is basically this - * I have 34.5K in cash available * I have 25K in unsecured debts I have had an offer accepted on a property at 170K. I can either put 10% deposit (17K) down, and leave myself with approx 12K of unsecured debt. I'm guessing my rate on 90%LTV will…
-
Selling in negative equity and mortgage repayment
Quick question..Had an offer on my house for 90k but still have 92.5k to pay on the mortgage. If i accepted the offer do i have to pay all the money back to the bank or can i still have a tiny mortgage of 2.5k? It's the first time i have ever sold a house and am a little confused to how it works Thanks
-
advance on subprime mortgage
Hi, Not sure if anyone can help but just looking for some advice: Our car has given up the ghost and we need to replace it. I work 20 miles away in an area with no public transport and we have a 6 month old baby so have to have a car. We have a crap credit rating (from a few years ago but in a dmp as a result and defaults…
-
stamp duty for porting FTB mortgage?
Hi, I'm a FTB wanting to port my mortgage because i'm halfway through a FTB 5 year deal with Natwest. Also, I would have a hefty redemtion fee to pay if i repaid my mortgage. As the title says, will I have to pay stamp duty on my new house because techinically I am still on a FTB deal? Thanks :)
-
New rate for porting mortgage???
Hello, just wondered if somebody could help me. I'm porting my mortgage with Natwest and borrowing more because I am buying a bigger house. I'm 2.5 years into a 5 year fixed FTB deal with them. The girl on the phone told me that extra borrowing will be at a different rate. As it was closing time she didnt have time to…
-
Will moving my current account affect mortgage application?
Hi all, This is my first post but I'd be very grateful for any advice. I was thinking of moving my current account to First Direct for the £125 they're currently paying out. However, I also intend to apply for my first mortgage in the next few months. Does anyone know if a recent change of current account is likely to…
-
Any 90% LTV Mortgages for a New Build Flat with previous adverse credit?
Removed for privacy
-
95% Mortgage with over payments allowed?
Has anyone seen one of these lately? Or do they even exist?
-
Lifetime Tracker??
Can anyone please advise me if this is a good option:- I currently have 8 years left on my current mortgage and am moving house. I need to borrow £110k and will be increasing it to 25 years to keep the payments down. I have had a few quotes from a "whole of the market" broker, including Fixed rates and trackers.…
-
Mortgages available without min income?
Does anyone know of any buy-to-let products (or others) that are available without a minimum earned income or self certify? I currently have two properties with a combined value of £1.5 mill - one is mortgage free and the other I rent out for £2820pcm). I want to remortgage the one I rent out for £430 000. My income is…
-
Advice needed re Woowich mortgage please
As per the title I would be very grateful of some advice regarding a Woolwich mortgage. The details are as follows: I currently have a mortgage with the Woolwich for £78,645 which is paid on an IS basis. I have also borrowed from the Woolwich £2,403 from my mortgage reserve account to purchase a car. So in total there is…
-
Buy-to-let, can lender demand repayment?
-
Nationwide free legal fees
Do I need my own solicitor or do they provide one for me? I am confused. I have had an offer accepted and now am unsure how to move forward. The estate agent has heard from the survey people but is waiting to hear from my solicitor before marketing it as sold stc. I am not sure what my next move is?
-
first time buyer advice please
hi, first post and after abit of advice please. me and my partner are in the process of looking at houses, i will have a deposit of 30k in a months time, i currently earn 27k a year plus 10k bonus. my partner is only on 4k a year as she works part time due to looking after our 2 year old. we are looking at properties…
-
Two properties, two mortgages - can we swap them over?
Hi all, I'm new here and have a question I wondered if anyone could help with. We have two properties, one with a residential mortgage, one with a buy-to-let mortgage. Both are low loan to value ratios. We would like to move from the property we currently live in (with the residential mortgage) to the one with the…
-
First time buyer mortgage help...
Hi,Im after some advice before I venture on... Im currently looking at getting a house, after clearing my car finance and selling my car. Im currently on £14,000 basic and get bonus pay every month which makes it upto £19,000 in 6 months time that will go to £21,000. I had a car on finance for £25,000 and have just sold it…
-
NAtwest steel framed house mortgage?
HI i have mortgage with natwest and am looking to move, new house is steel framed. anyone know if natwest lend on that type of construction?
-
Whats the Most you can borrow...?
Hi all, What is the most amount you can borrow from a bank for a mortgage. Is it 3.5 times your salary or can you get up to 5 times your salary. Would you be able to add your deposit in or is that including your deposit...? graziaz...!
