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Co-Ownership NI
Has anyone went through the co-ownership process in NI? Looking for some info/help Thanks
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Would this put you off?
I am having trouble being objective and would welcome the opinions of others. We viewed a 2 bed flat on Saturday that is identical lay out and size to one we lived in (on the same development) for five years which is why i think I am struggling to be objective! The two biggest considerations we have is that a) it's been…
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re-mortgaging and credit score
I just have a quick question to see if anybody has information on this. I've had conflicting information so not sure what to believe. I have a couple of credit cards with some debts on them. The first bit of information I heard was to reduce the credit limit on the cards. This is because the credit limit is seen as your…
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Waiting nervously...!
Hey all... So my husband and I just got our mortgage application approved (yay - opening a MSE account in celebration) Both being FTBs we were obviously quite nervous through the underwriting stage (OH is self employed) as it took wayyyy longer than expected. Does anyone know if our financial movements are under watch from…
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Barclays overpayments question.
Hello, I've tried asking Barclays online chat but seem to be going round in circles so thought someone here might be able to help. I have a traditional mortgage on which interest is charged yearly so there is no benefit in paying monthly overpayments as they are not taken into consideration until year end. But it also…
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First time buyer - Need some help please
I and my Mrs moved to the West midlands about 7 months ago. We found a New build valued at £177,950 that we love and would like to acquire if possible. Here's some background info... 1. My Mrs is on a full time job with yearly salary of £24,000 and work with the NHS. She has pension payment of £143 and student loan is:…
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Close Empty First Direct Offset Mortgage?
Hi all, After lots of hard work and saving we became mortgage free a couple of years ago. We also now have no other debts and have a year's worth of outgoings set aside in savings (which we're still paying into). My First Direct mortgage facility is now sat there not doing anything and I'm wondering if it might be time to…
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Mortgage Options
Hi, I need a little guidance on what mortgage companies will accept. We already have a mortgage on our current home that has been in place for the last 4 years. We both have perfect credit history and the LTV on the new house will be 69%. My business has been growing over the last few years. I have been self employed for…
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Chances of a mortgage??
Hi, Wonder if anyone can help. We have recently decided to try and get our first mortgage. We planned to save a 5% deposit by the beginning of next year. We rent from family at the moment and ideally just want to purchase the house we are in. Been reading on the internet and wondering if we could get a 95% mortgage using a…
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Temporarily Moving House During Mortgage Application
So, I have just had an offer accepted on a house, I have filled in and sent off my mortgage application, but, I have to leave my current flat before the application will be fully processed and contracts exchanged on the new property. I will be temporarily living with my parents in the mean time and I'm not sure if this…
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Two mortgage products?
Hello. My girlfriend and I currently live in an owned flat and we are house hunting together for a house at about 400k we have a 200K deposit from the flat. We are thinking of using 25K of our savings for a deposit on a buy to let flat (student rental) for a flat worth up to 100k. This means we are would be taking out two…
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Young first time buyers - Chance of 95% mortgage
Hello all, Usually more of a lurker, but have signed up looking for some advice/experiences of others in a similar situation! To cut a long story short, myself and my partner are considering applying for a 95% mortgage. We have currently saved £10,000 towards a deposit (not including fees) aiming for a property up to…
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Chances of a remortgage with Santander?
I think we could get a mortgage if we went to a broker, but as we currently have a good deal with A&L (.75% above base rate) we'd like to try and port it over but not sure if this is realistic. We have been told (by Santander) that we may be able to lend more at the same rate so you can understand why this is appealing,…
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Gifting a mortgaged property?
My father wishes to gift me a house (worth approx £900k) which was until recently his primary residence and on which there is a £400k interest only mortgage with the balance due in 2 years. He himself has recently moved into a new (inherited) home. An accountant has advised that he can gift me the home without capital…
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Help to Remortgage
Looking for any ideas or advice please. Our son and his wife have split up after buying their first house last December with a joint mortgage. The daughter in law is moving out and looking for a place of her own. Our son wants to keep the house but has been told by his mortgage company that he would not get a mortgage with…
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Advice on Positive Solutions Mortage Broker
Has anyone used this Broker. I can't work out if they are whole of market or not. My brother used them and got a mortgage but I don't know whether it was the best deal on the market as I'm not sure if he was whole of market. I'm looking for a broker myself and wondered if anyone has any experience of Positive Solutions.…
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Mortgage Shared Ownership Problems
Hi, I want to explain my situation to someone who might be able to help with the set problem I'm having with my mortgage lender Nationwide, basically when my mom and dad got divorced I agreed to help my mother to get flat because at the time the lender wouldn't give her the mortgage because she didn't earn enough money and…
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Shared Ownership mortgage - what to do now?
We currently have a 2 bed flat on a 50% shared ownership scheme. When we purchased back in 2006 the property in total was worth £190,000 (our share was £95,000) and we had a 100% mortgage interest only. The plan was to move to a repayment mortgage at a later date. Fast forward to now, I think the property is worth around…
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CIS/ Sole Trader Self employed
Just wondering any one out there a sole trader or working on the CIS (Construction Industry Scheme) and got a mortgage? Just following earlier threads we can now only get a mortgage on hubbys salary who is a self employed contractor Plumber. Ive read you can get specialist mortgages that take into account most recent…
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Mortgage of deceased person
My ex husband died recently, leaving my son 3 flats, 2 owned outright, the third has a £55k mortgage on it . The flats are freehold flats, the mortgage is with natwest. The mortgage has been paid monthly since my ex died. Natwest have now handed the mortgage over to debt management. My son is a student and is therefore…
