-
Multiple mortgages?
Hi Is it possible to be named on two mortgages at the same time? I've a joint mortgage with my ex-partner who following a relationship breakdown is remaining in the property with our child? I have legal responsibility for 50% share of this which I pay monthly. I'm now looking to obtain my own property and was wondering if…
-
A quick query
Could anyone please tell me if the underwriting process is done before the survey fee is taken and instructed? This is for a port with Santander with no further borrowing. Thank you.
-
Can i do this? What would you do?
Hey all, We bought a property in 2005 and were on a 5 year fixed - this expired in Dec 2010. We then sold that property and bought another in Oct 2010 at a higher price. We ported that mortgage and got another to cover the full price of the property at 85% LTV. So we now have 2 x mortgages for the same property (with me so…
-
LTD company & default. Any hope?
Hi guys A few years ago with the help of some of you on here I was advised to save a little more, which I have been doing. Again, we are staying to think of moving but wanted some advise on our mortgage chances please? The problem I see is that I have a default from 2009 and I draw my salary from a Ltd company. Some…
-
work experience (mortgages)
as some of you guys might already know i have had some intetest in changing careers and working in mortgages. (which I have NO experience at all in). I was thinking would it be a good idea to ring around some local mortgage specialists and ask for some voluntary work experience? I have one day a week, spare which I can…
-
chances of extra borrowing?
hi im looking for some advice, i would like to know if there is any chance of my mortgage company allowing me to borrow more on my mortgage, there is plenty of equity in the house, but i have been late and missed a few payments, im paying extra each month to make this up. i also have 15,000 of unsecured debt which i was…
-
Adding Partner to Mortgage
Hi, Iam due to remortgage next May at the moment the mortgage is completely in myname however I may be adding my partner, if my partner had poor credit historywill this negatively impact on my credit rating? Cheers.
-
95% mortgage with HTB, but have other investments
Hello, I was wondering if I could possibly get some advice. I am planning to apply for a 95% mortgage with the HTB scheme, with the 20% from the government. For example, I would put down a £25k deposit for a £450k house. That's ok and for arguments sake the monthly repayments are affordable to me. But, I have another…
-
First Time Buyers looking for some advice
I have been lurking these forums for ages nervous to ask for help but here goes anyways. Our Current Situation is me and my partner are looking to go for a joint mortgage spring next year. My Overview Full Time Job – 2 years in current employment £19,000. I have been told I will get a pay increase to £23,000-25,000. Credit…
-
Amount that can be borrowed.
Just a quick question... are there lenders that will look at % of take home pay to calculate what an affordable repayment will be rather than look at income multiples? If so, could anyone give me an idea of how these work in more detail. I don't want to know specific lenders etc - i.E i am not trying to get anyone to tell…
-
New build/first time buyer/equity loan and a mortgage
Hi, we are looking to buy a new build property with a 5% deposit and the new build government 20% assistance. My first question is can we get an interest only mortgage (probably not, I think) and the second question is a general one, which is the best mortgage company/companies to consider? Thanks
-
re-2nd attempt at mortgage
hi guys, my grandson tried to get a 90% mortgage september, via a broker, in house, and was told he couldn,t get him one because he has a ccj, over 6 years old. but not spent, although he wasn,t told this? How did broker find it was unsettled? he was asked "ever" had a ccj, and answered truthfully.yes. He now wants to try…
-
Mortgage vs renting advice needed.
I am, at present, in private landlord rented property and my partner is currently renting from the local housing authority. We want to set up home together. I have adult children living at home with me and he lives in a one-bedroom flat. He can't request a larger home from the local authority to house us all as, because my…
-
remortgage advice please
Hi folks, My 2 yr tracker with Santander comes to end in a few days and they'e offering me 4.49% (plus £499 fee) for either another 2 yr tracker or 2 yr fixed rate. This will put my monthly payments up by approx £40/month. Can anyone recommend anything better? I was told to try and get a 5 yr fixed rate if available at the…
-
Try for 95% or wait one year to get a 90%?
Should we buy now or wait another year? How much above the deposit do we need? How do we find a broker? We have an appt with Halifax next month to discuss our options.
-
Someone please help me.
Hi guys. Hope you've all had a better Christmas than me. Basically I've just completed a purchase of my first house with my partner, we signed contracts to exchange keys on the 17th of January. For one reason or another my partner has now decided she doesn't want to be with me any more, we've been together for 6 years, we…
-
help to buy for ex-bankrupt
I am a discharged bankrupt who has just passed the 6 year milestone this week. The banruptcy and all defaults have disappeared from my credit file. I currently earn £43250 per annum and am in the medical profession and have 5% deposit for £160k property. Just did a soft search on natwest mortgage and to my shock discovered…
-
£20K deposit but bad credit history
How likely would a mortgage be accepted say with a £20K deposit on a sub £70K property with bad credit history? Late payments and some defaults. Deposit money from inheritance.
-
BuyToLet mortgage for a Company
i am looking at moving back into BuyToLet. i would ideally do so via my company, with the assets owned by the company, and with a mortgage charged to the company. i have known people to suggest that this is not ideal, and i understand that some lenders will not lend to a company, and so there are fewer options. but...how…
-
Mortgage advice
Hi looking for some advice. I am a first time buyer looking to buy a house. We have seen a house we like for 110k however has electric heating and no drive. If say we offered 90k for house and they accpeted could you get a mortgage for 95k to cover getting gch installed and drive? We currently have 5% deposit and working…
