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Rightmove
How can I find out how long a property has been for sale on Rightmove please.
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What to expect from a Morgage Broker
FTB here and besides a Mortgage broker applying for the mortgage on your behalf and checking all the paperwork, what else do they do? I have 2 brokers, both recommended to me. One charges (he is a friends relative), the other Mortgage who I have never met but it pleasant to deal with doesn't charge customers. Have no idea…
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Problem remortgaging because income a lot lower
When my husband and I took out our current mortgage, our income was considerably higher due to doing up a few properties, via my husbands business, and maintenance from an ex-partner which we no longer receive. Our fixed rate mortgage ended some time ago and we are currently on a variable rate which has seen several…
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Buy to Let for my parents? - novice needs advice!
I am thinking about helping my parents buy a property as they need more appropriate accommodation due to illness and they are getting no where with their local council and social housing.... I have seen a bungalow for £120,000. They have £40,000 for a deposit. I don't want them taking a mortgage - don't even know if they'd…
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Is this morally right.
I currently live with my partner and three children in a council house. I am the only earner in house, due to partner losing job recently. We tried to get joint mortgage first, but was turned down because I was the only earner and had to support family. We could have easily afforded payments because the mortgage would have…
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What type of Id docs are required to apply for a mortgage?
Hi guys, My friend and I want to apply for a joint mortgage but my friend has a UK issued Travel Document together with a Biometric Residence permit(BRP). He is a non-eu national. A few months ago, the bank refused to accept the travel document and BRP as proof of ID for a credit card. He sent the BRP to the DVLA for a…
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First Time Buyer - HELP :(
Please bear with me as I'm not very good at explaining things. Basically the run up to this situation is this: I was a student 2007-2010. While at uni we were robbed and I had to replace a laptop (insurance wouldn't pay as one girl had been giving keys to boyfriends - whole other issue). This put me into my student…
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Gutted. Declined a Mortgage
So my partner and I have probably had some dubious advice. We began to look for a property to buy last year and went to see a mortgage advisor who told us that in principle we could borrow up to 190k (we have 10% deposit, and earn 32.5k and 25k), but that it was not worth putting in an application until we had found…
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Nationwide... a little advice if anyone has time.
Hi Guys, I currently have a mortgage with Nationwide that I’ve had for 7 years, with £86,500 left on it. Have sold the flat, and have put in an offer on a house worth £195,000. I have a 15% deposit and currently earn £32,500 a year plus overtime, plus bonus. Normally equates to the 40k a year mark. My credit file score is…
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Buy to Let Mortgages
Afternoon, Does anyone know if there are any buy to let lenders that don't require you to already be a residential home owner as part of their lending criteria? I own a property at the moment but it is let out as I live elsewhere for work just now. I would like to investigate whether it would be at all possible for me to…
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Should I pay my mortgage off?
Hi, Due to an inheritence I am in the lucky position of being able to repay my mortgage off in full at the age of 26. I have put off doing this so far as I have the money invested earning about 6%p.a. and growing. My mortgage rate is only 2.5%. I switched the mortgage to interest only as at the time it helped having the…
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Re-mortgage question
I wonder if someone can help me with this. My wife bought a house, in her sole name, as is the mortgage, before we married. We both live there, I do not contribute financially to that property. I have very recently bought a property, mortgage free, and solely in my name which will either be let or used as a second home,…
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Does your credit score effect getting a mortgage
I don't know if anyone can help me. My husband and I are looking to get a mortgage, both FTB's. We have just one loan £3.5k remaining at £104 a month, and we have a credit card each that we use every month and pay off in full. However our credit scores on check my file are in the 700-800's, mine I believe will increase…
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20 year old wanting to buy new build 170k - £230k please help
Hi guys, first of all, please take me seriously I am not a troll, or a dreamer. I am serious and need your help. I would like to purchase a new build house, (not a apartment/flat) with a garage with in region of £170k to - £230k depending on what I currently can get for my buck. I want to take the oppourtuinity and use…
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What is a £200,000 house likely to be worth in 30 years time?
I guess this questions is like how long is a piece of string, but say if one were to have a house valued at £200,000, and no house crashes were to happen, what would it likely be worth in 30 years time?
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mortgages and self builds?
Basicaly I live in a very expensive area with my bf, bf's parents own a plot next to where we live, which used to have planning but ran out last year. Me and my boyfriend want to build on it but are wondering how much do we need to save for a deposit ? Can I just go to any bank ? Or does It need to be a special slef build…
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New homes/townhouses
Why do new homes seem to have lower value or its price increase less than an older. (over 20 year or so). I also notice that townhouses stay on the market longer than "conventional" houses. Is there any reason or is it just a matter of preference?
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Nationwide have me over a barrel :(
OK, the basics first 1. Mortgage with NW (Just under 90K left of a 106K Mortgage) 2. Property valued at 115K 3. Currently on the BMR (2.7%) and not tied to a deal. Heres the issue, just finishing a very amicable divorce and as a result the property is now in my sole name. I can afford the payments but fancied a new start…
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DIP with credit check: is this definite?
Hi, got a decision in principle today from the Woolwich. This is to port my existing mortgage plus an extra £50k of borrowing. Before he inputted it, the in-branch advisor said it would probably be rejected due to my not having been self-employed for long enough -- but he needed to run it through system in order to get ref…
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Mortgage offerthrough EA adviser, now using another EA
Hi guys, me again! So got my offer and all is hunky dorybut seller still hasn't instructed solicitor.Some *ahem* assertiveness on my part has got the EA to admit seller can't find anywhere to go. I'd alreadygot twitchy and booked viewing but current EA does not have anything suitable. My question is this, what can I do…
