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Mortgage Valuation
Does a mortgage valuation give the actual price that they think a property is worth? Would it just give the sale price if they thought it was worth at least that or say it was worth less if they did not think it was worth the price?
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Exchange didn't happen.
Hi can any knows if exchange didn't happen and funds was sent back to lender is it going to be any problems to request them at later date?
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First time buyer status
Me and my girlfriend are looking at buying together in the next year or so. She is foreign and bought a flat in her home country several years ago. I was wondering if that would make her uneligible to be a first time buyer?
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Getting a mortgage on minimum wage
Me and my fianc! are wanting to move out and wanting to get a mortgage. We have been looking at the part buy part rent schemes. But was wondering what the likeliness of us getting a mortgage is. We are both on full time minimum wage and we have £6000 for a deposit we are living in the south east England so housing prices…
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seperation and default on mortgage payment by partner.
Hi guys, Im after a bit of chat and friendly advice please. The situation is this, my partner and I have been together for a year and half and are currently renting privately. My partners ex of about two and half years currently lives in and pays the mortgage on a property that was purchased when my partner and her were…
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Default on credit score- Help!
Hello i wonder if someone can help me with some advice. Last October i signed up for a new contract phone with Orange i set up my direct debit and i thought everything was OK until my second bill came through the door and it was twice the amount of the agreed price of the contract, so i called Orange to ask why this was. I…
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remortgage or change lenders?
Please can anyone give me some advise - do know if you can remortgage or change lenders whilst in arrears?
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Two mortgages
Currently i have a residential mortgage on my flat. I put a deposit down at the time of 36%. I may consider moving in with my partner in a few years time but don't really want to lose this property and would possibly consider a buy to let mortgage transfer. The mortgage at the moment is £495 on a 5 year fix (before my…
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How many times your salary roughly?
Hi, does anyone know the banks current salary calculation for mortgages, I know they will vary slightly but any clue? I was with Accord a few years ago who would have lent me 4.2 times my salary (£28k at the time). Is there still a rough rule?
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Where do you think mortgage rates will be in 4-5 years time?
Hi there guys, I was a 1st time buyer up until a few months ago and was lucky enough to get a 5 year fix with HSBC for what I think was a good rate of 4.89%. Where do you think mortgage rates will be in 4-5 years time. Obviously know-one has got a crystal ball and can predict whats going to happen but it would be good to…
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Credit score
Hi all I've had some great idvice from you guys on here before. Looking to try again for a mortgage next year. Got a good deposit accumulating. Sticking point last year was settled CCJS dragging my credit score down. My score according to Experian today is 961 (excellent) do i stand a good chance of getting approved? ie is…
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flexible deal/second home
We finished paying off our debt a while ago and have now started reducing our mortgage with overpayments of £1k per month, but can only pay off 10% per year without penalty. The fixed rate repayment mortgage is currently at 46k on a 125k house. Our main aim is to retire at 60 in 18 years time, to a small village on our…
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Self-employed & Santander
Does anyone know whether Santander provide mortgages to the self-employed? I currently have a 5 year fixed term mortgage, which is due to expire in late 2013. If I wanted to move house and borrow more money, would they lend this based on one years accounts? Should I be telling them that I am now self-employed even though I…
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The Great Escape
Just been offered a remortgage deal in principle with the Woolwich (The Great Escape) through London and Country Situation is as follows: Outstanding Balance: £186500 Property Value: £225000 LTV: ~82% Current rate: 5.99% fixed until 30.04.2012 (No ERP after this date) Monthly Payment: £1176 Woolwich’s Deal: Rate offered:…
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Abbey Mortgage
Hi Folks, I have just recieved my mortgage in principal from Abbey for a 90%LTV mortgage. I have now sent the back up info they required (wage slips, bank statements, utility bils etc) however have noticed that my last 3 bank statements (the ones sent to abbey) curently show me spending pretty much every penny that gets…
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No mortgage for two years - first time buyer?
Dear all! This is my first post here and I really hope that someone can help me. My husband and I owned a house, which we sold just over a year ago. We paid off the mortgage then. We would love to own a house, but I have just started to take on freelance work and am a new mum. I read that some banks offer a mortgage if you…
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Mortgage Query
Hello, My husband and I were both made redundant a couple of months ago. We got rather good pay offs, so are looking for advice on what to do with the money? We have a mortgage of 110,000, and have almost 20k in our savings just now. Would it be sensible to put this on the mortgage? We are aiming to overpay our mortgage…
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emove and other internet based estate agents
I can't make an op on the house buying branch at the moment for some bizzare reason. I want to sell my house in suburban Manchester and note that emove offer £299 as a one off fee as opposed to 1% or whatever it is with an estate agent. The house value is about 110k-120k Any advice / comment about internet based estate…
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Mortgage acceptance
Hi, I want to buy a new house with a 90% LTV mortgage (once I've sold the current place) I earn 30k basic (expecting a payrise soon) and about 20-30k commission Partner earns 30k with NHS New place would cost 250k I have an excellent credit rating and have been with current employer for more than 8 years I'd have thought…
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Ex not paying mortgage
I split from my ex in May this year. He moved out of our jointly owned home and hasn't paid a penny towards anything since. I have made sure all payments have been paid, so there are no arrears. We are tied in to our current mortgage until July 2012 so I won't look to do anything about the house until then. But where do I…
