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Mortgages & endowments
Archives for April 2014
Discussion List
Only need £ 15k mortgage-any options ?
We're looking at an investment property valued at approx. £ 55000 with a monthly rental income of £ 400. We have £ 40k of cash to put towards a deposit but we now realise that many mortgage companies don't offer loans of less than £ 25001. Obviously we can keep some of our savings and take the mortgage but this would…
Adverse credit - will we get a mortgage?
Hi there, I'm after some advice if anyone can help. We are looking to get a mortgage but we have some past debt problems.p (young and stupid I know!). All debt is now satisfied but obviously this has left some footprints on our credit files. Can anyone tell me if it is likely that we would be accepted? Here's the figures:…
Buy to Let Morgage - best rates
The fixed rate on our buy to let mortgage finishes end of April. It has an interest rate of 5.54% with the Halifax.. Can anyone point me in the direction of a cheaper of equal rate please?
House with 'Annex' - is this mortgageable?
I've seen a house online that is in the perfect location with the right square footage and right price. The only issue that I can see is the 'Annex'. It isn't completely self contained (but by looking at the floor plan it could be) but I wonder if this would affect the mortgageability. It works so well for me as it's a…
Cis/royal london
I have a CIS 25 year endowment policy which has 5 years left to run. I know that currently based on a £50 monthly premium they are returning around 27K -30K with most policies. I pay £70 a month with 40K life insurance. As I'm over paying at moment I only need it to make 34K. Does this sound achievable or should I increase…
Possibly a stupid question - Can we see more than one broker?
Hi all, So my husband and I have decided to see a mortgage broker to find out realistically what we will be able to borrow. I have found quite a few and 2 in particular caught my eye. One is free and one charges on mortgage application. So my question is, can I have an initial chat with both of them and then decide which…
Interest rate lower - paying more?
My fixed rate has just expired and I have been informed by the Brittania that I am reverting to their standard rate. My fixed rtae was 5.19% and the standard rate is 4.74%, so I was all set to expect a small fall in the payments - wrong! The payments quoted are now around £10 per month MORE for the new, lower rate than…
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