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Buy to let remortgage help please
Hi all , I'm 35 divorcee, I own a property , no mortgage , value 85k It has long term tenants , I seek to remortgage 40k I have another mortgage in joint names that's currently in process of being sold (ex husband) I have credit car and loan value 16k , all be cleared on remortgage Credit score is fair. according to…
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BTL mortgage advice
We're trying to think about what our best option will be for our BTL flat. It's currently on Halifax SVR (3.5%, soon to rise to 3.99%) under CTL. CTL expires in November this year, so we'll need to move onto a BTL mortage. We're hoping to have enough to pay off the mortgage in about a years time, but we'll not have enough…
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Halifax to raise SVR
Hi, I have just received a letter from the Halifax informing me that the SVR mortgage is to rise to 3.99% representing somewhere in the region of an extra £20 a month. I am supposed to be on a mortgage fixed for 2 years so it won't run out until September 2013. Does this mean I won't see an instant increase and the letter…
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HSBC / Countrywide Survey
My mortgage is with First Direct and my buyers is with HSBC. She has appointed her own solicitor but Countrywide have just done the survey on my place. Do Countrywide also have a bad rep for their surveys? Or would it be the same as any other surveyor? He asked questions about the sold price, how many offers, how much…
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Moving back to the UK and need to remortgage
I need some advice regarding remortgaging my property in the UK. I moved abroad 3.5 years ago and retained my property in the UK. The property has since been rented out to a tenant and I have never defaulted on the mortgage during this time. Obviously my mortgage transferred with Bank of Ireland to a Buy-to-Let mortgage…
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Help and advice on current situation.
Hi all im looking for some help and advice please. My current mortgage on my home is an intrest only mortgage, at the time of taking the mortgage this was the only way i could do things to keep the repayments in my budget. This was fixed for three years which ended 14 months ago and since then the repayments dropped to the…
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Add fee's or pay cash?
Hi all. You're all pretty switched on here so thought i'd ask your thoughts. I've raised an amount of cash from a mortgage. There are set up fee's one or two other charges, and the first (not full) months interest. These total about 1400ish. They sent me a letter with the option of paying these fee's by the end of the…
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"Agreement" in principal
I have sold my flat I have a large deposit for a new house. I got an IFA who took all my details told me how much I could borrow and where. I then found a house well within the IFAs suggested budget and got an agreement in principal from the Halifax. After getting my offer on a house accepted the Halifax have changed their…
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Self employed mortgage
Who does the best one for self employed? We have been quoted abbey by one ifa as they seem to do the best lending ratio? Could anyone recommend any other? Thank you!
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Mortgage in joint name problems
My daughter has a joint mortgage with an ex boyfriend, they split up some 14 months ago mortage initial deal was five years , and she remained in the property paying the mortgage etc. It is now coming to the end of the current mortgage deal and where she can now look to find a better deal and get a mortgage on her own…
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Awful credit rating - any chance of a mortgage?
Hi, Just musing really at this point. I have a bad credit history. I do however have a potential 85% deposit in my favour. I earn 21k plus commission plus sector, this normally bumps my salary up around £300 a month. I know some lenders have not taken the sector pay and commission into account on some of my friends…
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Fully Fix or Partial Fix?
We are about to apply for a new mortgage to buy a new house. We have a portable mortgage with HSBC which is a lifetime tracker at +1.24%, so pretty good rate right now. This would make up around half of the new total mortgage, and the 2 options I am considering are: 1) Port the tracker and take the additional new half of…
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Joint mortgage in a relationship breakdown
Any help or advice anyone could give me I would be so grateful for. My boyfriend and I have recently broken up as he says he wants to go traveling. He is in the process of getting the house valued and removing my name from the mortgage. He is also having a tenant move in to the spare room at the end of April. What are my…
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Help and advice needed.
Hi everyone, First of all can I thank you for reading and I look forward to your responses. We are looking for responses from people who have knowledge of first buyer schemes as Ive phoned 2 separate ‘advisors’ and didn’t get the response/ advice I was after. Myself and my girlfriend are looking to buy our first house…
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why would you use an IFA to get a mortgage?
oh boy, my partner and I are on a different planet. he wants to go through an IFA to get a mortgage and I want us to source one ourselves. he is absolutely adamant that we go through his way and I don't understand why? can someone shed light? what is so fantastical about a frikkin IFA?!
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Mortgage Help Please
Hi I am comoing to the end of my fixed rate morgage and have called the current martgage company for some figure on a new deal. I ma now completly confused after they have thrown all sort of figures at me :eek: Dont kniw whether to go for a fixed rate, two, three or lifetime tracker and waht is a flexi tracker Help!!! so…
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Trying for a mortgage Second time Around
Hi folks, Basically I'm after a bit of advice regarding my chances of getting a mortgage with Nationwide... As the title suggest this is the second time I've tried to get a mortgage, firdst time was three years ago and I was rejected at every turn due to a CCJ. I am vary wary of going rejected again as my missus has her…
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Getting Advice
Hi All, Just a quick question, me and my girlfriend are currently saving for a deposit but have no idea how much we would need etc or what sort of money we could afford, other than what I have put on online calculators etc which are only a rough guide. What is the best way about going to get advice? Is it better to go our…
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First time buyer confused.
hi, I have been looking at properties in my area and I decided to go to the local estate agents to ask if I could view them. They sat me down and took all details of me like my past addresses, salary, monthly income etc. Then they asked me to come back with Payslips, driving licence etc. They said they would need these to…
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A + L no offer of new mortgage product
Hi, I have recently finished my 2 year tracker product with Alliance and Leicester and have been trying to get a new product with them but they keep coming back with the same answer "there are no products available at this time" when i ask as to why they do not seem to have an answer basically they say "computer says…
