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HSBC Fee Free Mortgage
Is this deal too good to be true or is there a catch? I need to borrow 40K for a property worth 110,000, they are offering free evaluation and a tracker at 3% with no redemption penalities. Any suggestions/advice on this one thanks?
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Northern Rock App - bit complicated
I have a friend who has applied for a 90% mortgage with her OH through a broker and were approved by Northern Rock. A few complications : She has a mortgage with an ex but has not lived there for over 3 years (ex is now engaged with a baby). Ex can’t/won’t get her name removed for various reasons (it’s not very amicable)…
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Nationwide instructed valuation is this a good sign?
Hi guys,we just received a text to say Nationwide have instructed our valuation for tomorrow. Is this a good sign?if the house is worth what we have paid for it does this mean we'll receive our offer?thanks
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Can't decide - which LTB/BTL mortgage?
as detailed on another thread, i'm embarking on a buy to let (well, let to buy) mortgage on an interest only basis. i can't decide between these two: Lender: The Principality Product: 0.6% discounted from standard variable currently 4.99% to give current pay rate of 4.39% until 30/09/2014 Fees: £99 booking fee – payable on…
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income made up of monthly bonus, who will lend the most?
I currently have a joint mortgage with C&G, however we seperated 2 years ago and I need to take the mortgage on on my own asap. The property is worth £160,000, the mortgage is currently £160000, although I have £24k to bring it down to 85% my p60 shows £36000, my basic salry is £25400, and my monthly bonus averages around…
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Mortgage Advice - Buy to let???
Hi All, Firstly thanks for reading this and any advice you may have for me :) I would like some information on how me and my boyfriend would go about the below situation please! My boyfriend bought his 2 bedroom flat 2 years ago for £120k and placed a £12k deposit. I cant remember all of his rates etc off the top of my…
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How on earth are we locked in for life?
I wonder if there is someone out there with some common sense that could help us? We currently have a mortgage on our property, part repayment, part interest only. My husband took it out before we got together and now we are looking at changing things around. Firstly, we want to move house and so we wanted to 'port' the…
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What expenses/allowances can I include on mortgage application?
I work as a (non-self-employed) IT contractor. As well as my basic salary I get the following allowances because I am not working at our offices. They are not guaranteed, but I have been getting them for the last 2 years, and I don't think I'll be going back to the office any time soon (although it's a possibility). Note…
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NewBuy scheme - future adverse LTV?
Hi all My OH and I are FTB's looking to buy a new build on the NewBuy scheme. My hesitation is around the fact that we would be putting a low deposit down on a property which everyone tells us will fall in value for the first few years. I was initially thinking about getting a 2 year fixed mortgage, and then consider…
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is it too early to start looking at remortgaging?
My fixed term finishes at the end of February i.e. 6 months time give or take a few days. I currently have consent to let with my current residential mortgage but do not intend to move back into my house at the end of February, so will be looking to remortgage to a buy to let mortgage going forward. I've been keeping an…
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Sort of Vendor Deposits but not really
Hi all, while since I posted, saga still ongoing. A brief bit of back ground. My girlfriends parents owe me £10,500 The only way they can pay me back, is to sell their house, which is on the market for £150,000, and has an offer from some kind from a "buy your house in seven days" company of £126,000 I'm open to the idea…
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Mortgage Renewal
My mortgage is due for renewal soon - End of 2 year fixed rate. Anybody help on who has a good LOW rate at the moment? Or anybody in Nottingham/Derby who is fees free & whole of market who can do the research for me? HELP PLEASE!!! Thanks
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First time buyers
Hi I wonder if anyone could advise. Me and my partner earn £55,000 a year between us and have a deposit of around £20,000 for a new home. Most of the houses we have seen so far will cost around £250,000 but we don't know if this will be stretching ourselves too far. Ideally we would like the mortgage repayment to be around…
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Best Way Forward
Hi all I’m looking to upgrade from my 2 bed flat to a 3/4 bedroom house and currently have a fixed rate until Dec 2013. What's the best way to proceed? Is it to secure a mortgage in principle so we know how much we can borrow? Is it to put the flat up for sale first? I'm confused as to the best way so any help would be…
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No mortgage available
I'm looking at house next door to an MOT station. The agent says because of this the property cannot have a mortgage. Can this be true or is he trying to hide the real reason?
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Remortgage for beginners
I have just come out of a fixed term with Santander and they have informed me this morning the rates will be going up in October. My property is worth £125000 and I have 25,000 left to pay. I need a new car and fitted kitchen so I want to borrow a extra £15,000 on top of my current debt. Can someone give me any good links…
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Need advice - First Time Buyer, bad credit
Hi everyone! I've been reading a lot on these forums about Money help, mortgages etc. but thought it would be best to register and post my own story to get more accurate information about my situation. Currently, me and my girlfriend are looking to get a mortgage. We're both first time buyers, can easily get a 10% deposit,…
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Mortgage help good credit score but can't get best mortgage
Hi I'm wondering if anyone could give us any advice on this issue. We recently began the search for the best mortgage for our first home. The amount of credit checks that were done in the process of finding the best offer means we now cant get the best mortgage we found with Nationwide. The following credit checks have…
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first time buyer questions
Hi Guys, I have read a billion threads and websites etc so please don’t shout at me if I ask something you've answered already. I am just looking for an honest opinion based on my situation, be as brutal as you like (in a nice way of course :) ). Me and partner are really keen to buy our first home. This is the situation…
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Dunfermline Building Society & Remortgage questions.
Afternoon, We (wife and I) currently have a mortgage with Dunfermline BS which is a 5 year fixed rate at 5.49% and this is due to come to an end in May 2013. Dunfermline has since been purchased by Nationwide and it is pretty clear that they don't want to keep the Dunfermline Mortgages as the SVR is 5.19% and they are…
