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Advice needed, low LTV 1 yrs accounts self employed mortgage?
Hi all, I would like to pick some experienced brains about whether it is going to be possible for me to get a mortgage. I would like to borrow approx. 40%-55% ltv over 25 years preferably on a flexible mortgage where I could make early repayments without penalty. My main problem is I only have 1 years worth of accounts as…
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saab lover
Question Currently i rent privately ,could i get a mortgage to buy a house,would it be cheaper.I have no deposit but do own a house abroad and would that be an advantage to get a mortgage as i have equity in the value of the house.
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Mortgage for half the house value...
Hello, I'm in a fortunate position of being offered my 1st property for 50% less than its market value. £50,000 and worth £100,000 I've got a phone contract Finance on my car was with a guarantor I've got 6 months of history of paying the bills i.e council tax, utilities, sky, tv licence. So I need a mortgage for £50,000…
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Advice on paying off buy to lets
I have 3 mortgages on 3 properties. All are interest only. One is a residential with 8 years left, the mortgage has consent to let and the remainder owing is £35000. I get £475 per cal month rent for this property with a long term tenant in it. 2 more years on the inital fix at 4.59% plus the 1% load = 5.59% I also have a…
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reclaiming misselling of interest only mortgages
I heard on local (S Yorks.) radio today that a company is advertising for people to contact tthem to pursue a claim against..? for misselling interest only mortgages.! Anybody els e know anything about this.?:eek:
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Mortgage with defaults please please help!!!
Hi there, I really need some advice please. What are the chances of getting a mortgage with the following credit rating: Experian score of 701 1st default:capital one £417 dated 13 months ago settled 3 weeks ago 2nd default: Lowell £850 drops off file this November Not satisfied Orange phone bill with 4 late payments, up…
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Nationwide FTB mortgage - random audit
Hi guys, We are in the process of buying a house for £205k. We have a 20% deposit and so are looking to borrow £164k from Nationwide for which our broker has secured an AIP. The valuation survey has been done and passed and we have provided all of the relevant documents requested by Nationwide, i.e. payslips, bank…
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Re Mortage Advice
Hi all, Just looking for some advice really, our current deal is due to end in October which was a fixed 5yr at 5.99%. To date we have £121,000 outstanding. I have the option to pay 10k off this off when we transfer, so reducing the mortage to £111,000. Questions are: 1) is it worth using this 10k to reduce the mortage 2)…
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Nram Together mortgage
Hi everyone I have had a mortgage with Northern Rock now Nram for 7 years and I am pretty sure when we took out the mortgage we were told after 7 years we would get the loyalty rate called them today and they said the loyalty rate does not apply to the together mortgage does anyone know anything about this I have no…
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Myonlineestateagent - Whats the catch?
Hi I've never sold a property before so this is all very new to me. I have seen this website www.myonlineestateagent.com From my own experience and others who i know, its normally advertising on rightmove that gets the buyers interested. The rightmove ad (as well as other websites) are included in their ridiculously low…
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Mortgage advice
I would love any advice really.... I had a loan and credit cards in the past that I had difficulty paying off .. paying it all off slowly now, but I have a "agreement to pay" I don't' have any CCJ's either. I would like to know if it is possible for me to get a mortgage. I am paying so much rent and for so long now. I hope…
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advice for re mortgage please!
Hi All we are in our 1st house for 5.5yrs with northern rock mortgage to pay off £128,252 paying £655 p/month over 35 yr now then, we are in a 2 bed middle of 3 house, nice area etc but its getting to be a bit small for us as we now have a little boy of 8 months & would like to get a bigger 3 bed house. Unfortunatley we…
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Pay off mortgage early or buy another house?
Just need a bit of advice..... I am currently over paying on my mortgage to the point it will be paid off in about 7 years - some 13 years early :) Should I be doing this, or accruing this money to buy a 2nd property?? I am getting mixed advice - some say yes as this 2nd property will EARN me money, while others are saying…
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Words of wisdom needed re: mortgage
Hi All - new here and hoping for your thoughts. Any words of wisdom, experience or advice greatly appreciated to hopefully avoid being laughed out of bank at first hurdle... Husband & I are hoping to move. We currently have a mortgage on a two-bed house with NRAM - roughly £130k outstanding. Property value is around £160k.…
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Another New Build Mortgage Query
I am looking for a bit of advice on the purchase of a new build property. I have been in talks with a builder that would be willing to do a part/ex on my existing property and are willing to help out with the deposit for the new property. We have agreed a price for the part/ex but still looking at a solution on the deposit…
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Mortgage declined..how long does it stay on credit history???
Hi I've had my mortgage declined twice on a property that I really wanted to buy. What I want to know is that how long will this stay mark stay on my credit history and how soon before I can apply again with same or different lenders thanks
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Returning Expat Mortgage Outlook
Hi Folks, I am planning to return from Australia later in the year and would like to buy a house soon after we arrive back. We have been out of the UK for 5 years but still hold a few grand in a current account, this is used on average once a month for a purchase or 2. Salary 75K Deposit 80K Purchase Price 320K 3 Kids, my…
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Self Employed Mortgage
Hey everyone, need a bit of advice regarding a mortgage. All i am trying to borrow is around 65k, i am self employed and have 3 years accounts which are as follows, year 1 - £1000 Loss, year 2 - £8500 Profit, year 3 - £22000 (year 3 has not been submitted yet but if i must i will submit a larger figure and pay a bit more…
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Mortgage Advice please - 90% LTV Self Employed
Hi, could really do with some guidance from those 'in the know'. I'm in the process of making an application for a mortgage with HSBC for 90% LTV and wanted to get a feeling for my chances of success. I should say that I'm a solicitor and a partner, which means I'm treated as self employed even though I have a guaranteed…
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declaring endowment payment on working tax credit form
Can anyone help me, my endowment policy has just finished its 25 year term and paid out. do I have to declare this on my form for worafking tax credit. Any help would be much appreciated.
