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Best mortgage for 12% LTV?
Hi, In the process of buying my 3rd property, but first one I've ever needed a mortgage for. Little bit confused by the dirth of options. I'm aware that I will already qualify for the best rates with such a low LTV of 12%, but is there anything out there currently that will be a better/ the best option? I know I shouldn't…
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Mortgage for Orlit house
Looking to buy my Council house but finding it difficult to get a mortgage for my "Orlit" constructed house in Scotland, classed as defective in Scotland due to it being built of concrete. I've tried some of the main banks, supposed specialist mortgage brokers and financial advisers and tried some banks in England all come…
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Google Mortgages shows 2.39% Santander mortgage but can't find it anywhere else?
So if you search google mortgages, a fantastic 2.39% two year fix appears for santander, fee of £495 max ltv 85%. Anyone know if this is available through a broker somewhere? I've been looking but so far nothing, starting to suspect it's listed incorrectly. Specifically looked at the santander for intermediaries website…
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Worried about Kensington application
Some of you may or may not remember our landlord told us he was selling our house back in July. He gave us first refusal and we were in the process of trying to find a deposit. Fast forward to now; We have our deposit £30K gifted by my parents and will be applying for a decision in principle with Kensington in a week once…
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Mortgage advice - bad credit
Hi Me and my partner are looking to get a mortgage in the near future but my credit history is not the best (Other halfs is good). I had a CCJ from April 2008 which is now all paid in full and also a default from 2011 which is paid off in full, all other debts from the past have been paid and nothing shows up on my credit…
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Joint Life cover on clerical medical endowment question ?
Hi, This is rather a sad question provoked by I don't expect my spouse of 20 years and over to last much longer as she is a proper alcoholic and she is hell bent on whats going to happen. We have had an endowment since 1992 it was designed to pay 35'000 but like all the stories is prob only going to pay 22'000 in the…
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Interest only mortgages still available...
Don't I remember hearing that these were now virtually extinct? And yet, doing a comparison site search just now out of sheer interest, up come a couple of dozen results. HSBC to Barclays to TSB to you-name-it. Has my understanding been really so way off, then?
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Marriage and honeymoon and then Mortgage?
Hi there, just got married and been on honeymoon. This has led to both are bank accounts being a bit all over the place in the last couple of months. If we were to apply for a joint mortgage will we be looked at unfavourably as It would appear we have lavish spending? We are both still in the black (just about) but three…
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Mortgage issue when married
My wife and I bought our shared ownership flat in 2012. My credit rating at the time wasn't great, so I was unable to get a mortgage in my name, even joint, so we had to get it in my wifes name. The deposit was provided by myself. Since this time, i've got my credit in good shape, so that's no longer an issue. However, my…
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Endowment worth keeping or cash it in
The policy is up in June 2015. Is it worth keeping until the end or could the money be better served else where? Any thoughts / opinions on this would be appreciated. I have a Friends unit linked life endowment that is due to mature on the 14th June 2015. I pay 57 each month. The target amount had been 40,000 The cash in…
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Self Employed? - HSBC
Looking for some advice. I am self employed and about to move home. I currently have an HSBC mortgage which I have had for the last 5 years with a lifetime tracker mortgage at +0.39 above the base rate. The mortgage I am on, allows me to port it to another property and was advised by HSBC that I need to go through a new…
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Help To Buy - Equity Loan Broker?
Anyone here recommend a broker who has experience of the Help to Buy Equity Loan for a new build? Not too sure about using Bellways crew!
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How to gain ownership?
Guys, first of all i'd like to say hello to everyone, I have taken information from here a few times buit only just joined, the reason is as follows: I'm in an awkward situation, myself and my fiancee (getting married next year) have just bought our first house together. Because I was an irresponsible idiot with money when…
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Second residential mortgage- joint or guarantor?
After a year of commuting into London and with season ticket hike looming I am again considering buying a crash pad in town. I have a 98k mortgage on a 320k property with HSBC. Paid off about 70k in the 2 1/2 years since I got it! As all my spare cash has been going on overpayments I currently only have 5k towards a…
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BTL - neither bank nor building society offering them?
I am looking to release equity on a mortgage free inherited property that I intend to start letting out in the next few months. I have enquired with both HSBC and the Teachers Building Society (who my current mortgage is with) and both are saying they no longer offer BTL?? Is it because I can't use it to release equity,…
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Help! HSBC mortgage confusion
Please can somebody help, I'm so confused by what's going on with our mortgage application and am really tearing my hair out. We had an HSBC mortgage offer earlier in the year (March), but the purchase fell through prior to exchange (May). I called the bank to confirm next steps and they told me they would put the mortgage…
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House vs a Flat? How does the cost of living compare?
So, I was all ready to buy a flat I liked when the valuer decided it was unbuyable. (Ex council flat, only one in the block that's sold so valuer has decided it's not worth an investment- this has surprised my Broker, my solicitor and the Estate Agent- and soured my opinion of the survey process slightly) Following advice…
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Payment via online banking keeps being refunded.
Hi All, This is my first post so apologies if this isn't the right thread :/ I am looking for a bit of advice if possible. The situation is: After a long civil legal battle we incurred a large bill from our solicitor, who hadn't kept an eye on the costs during the case and hit us with a demand for over £15,000, we could…
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How to get a mortgage when on price work?
My husband was self employed up until 3 months ago when he took a job purely so we could get a mortgage without the wait. He doesn't get a basic wage, he gets paid majority price work plus the odd few basic hours. This was a condition he set with his employer so that he gets paid more. So we've been speaking to a financial…
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Separation & Negative Equity
Hi all, First time posting, I've read a few similar threads but there's a slight difference in my question. I've been married for 15 years, but we separated at the start of this year. Things have been amicable, most of the time, and we had agreed that my husband would move out (as and when he can afford a deposit on a…