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Halifax - First Time Buyer HELP
Hi all, I don't know if there would be anyone with such circumstances as I am (I truly hope not). I am in the UK on TIER 1 Visa valid until mid 2012 (over all in the UK for past 9 years and had been in employment in past almost 3 years). Yesterday, my wife and I have applied for Halifax Shared Equity mortgage for the house…
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Remortgage
Hi My current mortgage deal ends the end of this year and l have received the information below from my financial adviser regarding changing to a new lender or sticking with what l will go onto when it ends. I do think my advisor would like me to move lender because he will make some money out of it but l would prefer to…
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Natwest-First time buyer-waiting times
I am a first time buyer with Natwest. * Received provisional mortgage offer 8 September 2011 * Submitted all documents and signed direct debits for fees etc. and submitted 9 september 2011 * Its now with underwriters, I am told by the Mortgage advisor that it should take 3 working days to hear something from them What is…
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Is it ok to go direct?
Hi, After many years and one 'nearly', we are finally looking to buy our first house. I have read through the various advice on here regarding getting a mortgage preferably via a broker but I am tempted to go direct. Is this a bad thing? I am pretty sure of what I want so I am not really looking for advice on what type of…
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Help with mortgage lenders that are good at giving consent to let?
Hi all, thanks for your help in advance. I have my offer on a property accepted so need to apply for a mortgage now. Colleagues at work tend to do an overseas assignment sometime down the line and I also likely need to do one sometime down the line (likely in 2013). Obviously I might switch employer before then and I would…
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Google mortgage comparison site
https://www.google.com/comparisonads/ukmortgage?s=1&kw=compare%20mortgage%20UK&sort=0&schema=ukmortgage&group=Compare&q=compare%20mortgage%20uk Couldn't see an old thread for this. Has anyone used this affectively? I know my way round mortgages well enough, I just wondered if anybody found you got better deals through…
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First time mortgage advice
Hi My partner and I are just about to start the journey to our first mortgage and I haven’t a clue where to start. Does anyone have any advice please? I am uncertain of how much we can borrow – is it x3 or x 3.5 salary? Do we go through a broker or the high street? We earn circa £80K plus £5K annual guaranteed bonus pa.…
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Best & longest tracker mortgages
looking for a new tracker deal, my critera as below; 10 years remaining 53k outstanding no missed payements ideal looking for a tracker, and avoiding set up fees, or would consider a fixed rate. to date the hsbc life time tracker special looks good, does anyone know of any better. cheers.
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Current criteria on income to give mortgage?
To apply for a mortgage today: 1- Are certified accounts for one year only of any use? 2- Do most lenders want to see three years income? 3- Are there some that will lend you using your recent income only? 4- Will some of them accept certified accounts for the latest year and self-certified for the previous 2 years? 5-…
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Help Needed ! Much Appreciated ! :-)
Hi All ! I have a few questions that I'm hoping someone will be able to help me with if possible ... A bit of back ground quickly; On 8th August me and OH put an offer in on a house - we offered £3k under asking, it was accepted :beer: We then had a survey done from e-serv and obviously paid ourselves, we where happy to do…
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Bad Credit Mortgage
I'm trying to get a mortgage so I can move home (to a smaller, cheaper place and clear some debts by doing so). However, as I have a bad credit rating and have been in arrears a few times in the past year, no-one will touch me. Has anyone here successfully managed to get a mortgage with a bad credit history and arrears…
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Ftb defaults 80% ltv
Hello All, After speaking with my mortgage broker I am confident that once my defaults reach a 2 year period (I have 4 from a VERY stupid spell at uni and a £47 phone bill I forgot to pay!) that I will be able to get a mortgage. I have around £30k gifted deposit looking to buy a £150,000 house. My question is am I going to…
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Sahred Ownership Remortgage
Hi, can anybody tell me which of the shared ownership lenders for remortgage will lend for the purpose of consolidation of debt plus home improvement as I know not all of them will. It would be for 60% LTV of my share of the property, trying to do the right thing and sort myself out finacially & is proving difficult,…
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Re-mortgage time... less pay, or... no job!
I am on a five year fixed interest only mortgage. I got it about a month before 2008 when the economy crashed, so now I'm lumbered with a pretty high interest rate! Anyway, at the time, I had a stable, regular income from a full time job. However, in the last year, due to the economy, my position has become flexi, and…
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Best to pay off debt first ? before applying
This is our situation, our house is up for sale just now, we should make £30k on it. Our debts are as follows; Husband loan 1 - 10k (2 years remaining) - this is his car loan Husband Loan 2 - 3.8k (2 years remaining) - new bathroom My Loan - 12.5k (3.5 years remaining) - my car loan I have 4k in our bank account, we want…
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Further Advance with very low LTV Ratio
Hi, Really need some guidance here on applying for a further advance on my mortgage, Currently have a LTV Ratio of only 19.8% (£260,000 property value with £48,000) remaining on the mortgage. I'm looking to borrow an additional £50,000 bringing my total LTV Ratio to 40% which is well below the 80% they are willing to lend.…
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Repoession---mortgage shortfall query
Before i got married, my wife had a house on mortgage. Her brother was living in that house and paying the mortgage. We got married bought a house together on mortgage and living in it. Now my brother in law couldnt make payments and stuck his head up his a*se and the house was repossesed. Mortgage company got intouch with…
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Principality Building Society Discount Mortgages
Can someone help me please http://www.principality.co.uk/en/Mortgages/Discount-Mortgages/2-Year-Flexible-Discount-75pc.aspx Is this effectively an offset mortgage where you can overpay on demand? Do I also read this right that this is 2.2% for the first two years? If so that has to be one of the best mortgage deals going I…
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Lost Endowment
My boyfriend had an endowment mortgage about 15 years ago and he stopped paying the endowment after about 5 years. Since then he has sold the house and changed bank and doesn't remember who he had the endowment through. Does anyone have any idea how this can be located?
