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Childcare vouchers, advice please
Hi All, I'm just about to sort out childcare vouchers for our 18 month old (don't ask why it's taken so long to sort out!) I'm just looking for a bit of advice as to the best way of doing it. Both my wife and I's employers offer them as do our childminder. We would require about £250 a month in vouchers, but my wife is on…
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Part interest/part repayment
Hi, New here and hope I'm posting in correct place, Was looking for some opinions/advice on a general mortgage query please, A few years ago changed my interest only mortgage to part and part as endowments not performing although most of it was left as ineterest only. Also, started overpaying mortgage when interest level…
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Skipton Mortgage- Not accepting our Solicitor. Any ideas or experience?
Hi Everyone I was wondering if anyone would please be able to help. We are currently going through the mortgage process with Skipton as recommended by our mortgage broker. The mortgage is approved from an income perspective, the valuation has been completed, and now Skipton has turned around and said they won't issue the…
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Mortgage after pay rise
Hi, Me and my wife have sold our house and are looking for a new one. We will have a £36K deposit but can only lend enough to buy a house at £175k. I will get a 10k pay rise in Jan and am wondering how long will i have to wait after the pay rise before applying for a mortgage? The house we want is £200k so need a mortgage…
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Mortgage Possibilty ?
Just a post to scope out a possibility of a mortgage in the £60k -£70k range I earn £15k and have £9k - £10k available for a deposit. No blemishes at all on my credit history of 1 credit card, 1 loan and 2 current accounts all paid in full on time. Now the trouble is with my low income and the fact i have not been on the…
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Halifax product transfer and borrow more- advice needed please!
Hi after a bit of advice, our current fixed rate mortgage with Halifax finishes soon and we would really like to do a product transfer but also borrow more and change the length of the mortgage - we took out the mortgage 2 years ago at a very high rate of 6.29% over 35 years with a 90% ltv (we didn't have many options at…
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Consent-to-Let and Sabbatical?
I know the answer will vary from lender-to-lender, but if an opportunity comes up to take a 6-month Sabbatical, is it possible to get a consent-to-let, or is that only for people shifting house and staying in the UK? Currently going through buying a flat but would like to take a sabbatical for a short period in a year or…
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Yorkshire Bank
Hi, Has anyone applied for a mortgage through Yorkshire Bank recently? Myself and my G/F are first-time buyers and have £16.5k deposit with a view to getting a £165k mortgage. We’ve seen what we think is a good deal: * 3 year fixed; * 90% LTV and; * £0 application fee; * £500 cashback Just wondering if anyone has any…
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Credit Score Noddle
Hi, I have just signed up to Noddle and had a free credit report. It is says my score is 4/5. What would I need to get it to 5/5? I don't have any bad credit history. Thanks Gracie
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Current Mortgage expires Sept 2015, when should I seek new deal
Hi. My current, interest only tracker, mortgage was taken out in Sept 2001 for 15 years. Therefore expires next Sept 2015 (or should that be October?). When should I start looking around to replace it as I believe sometimes it takes a few months to sort? I will be looking at a repayment mortgage this time around. Thanks.
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Extending Mortgage Offer?
We are buying a new build property off plan and its currently due to be ready at the start of December, however there is a meeting this week with the developer and contractors to decide which properties will be finished this year and some may be pushed back to Jan\Feb next year. If ours is pushed back it leaves is in a…
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Advice about HBOS fixed deal ending please?
So we are due to finish our 5 year fixed deal with HBOS soon and I wondered what our next step is? Since getting the mortgage 5 years ago we hit some bad times and our credit rating is not what is was then... So can we just stick with HBOS and go on their variable rate, does this mean our payment would go up or down? Can…
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Bigger Mortgage with Bigger Deposit?
My partner and I are struggling to get on the property market as my partner has only been self employed for 3 months so realistically we only have my salary to go on. I earn £21,500 on a full time permanent contract and have a good credit history and have nothing owing to credit cards or loans. I was previously told with a…
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Mortgage and an idea
Hi guys, I'm 23 and currently saved 20k. Literally had no life but to be honest I'm abit of a boring sod lol. When i go out i just end up thinking why did i bother. Currently working on the railway but don't want to live in london any longer than i have too. Feel its overpriced and everyones just in such a rush type thing.…
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Incentives and New Build
Quick question I hope: New build house purchase. Builder is offering an additional £8K of options. Will the mortgage LTV be price-£8K for value or just the price? Santander says on their website "Any reasonable non-cash incentives, e.g. white goods, carpets, curtains etc. will be ignored". Have I answered my own question?…
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Deeds to house, Halifax dont store them anymore, what to do?
My mortgage is due to end and Halifax have told me they no longer store deeds either paper or electronic. They said they send them out by registered post shortly afterwards and they are then my responsibility. What is the best thing to do with them in case of fire, burglary etc?
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Mortgage payment protection
I am struggling to decide whether to get payment protection (income protection and critical illness cover) for my mortgage. I was thinking about covering my mortgage (541) for the income protection. I have six months of mortgage payments in savings and I have worked for my current employer for five years. I am single (I…
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How to find a good BTL broker?
Hi Can anyone give me some tips on how to find a good BTL broker. I would usually ask friends and family but they haven't any experience of BTL. Thanks
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Getting a residential mortgage and change it to a Buy-to-let mortgage in 8 months?
Hi all, I would really appreciate it if someone can help me out. I have agreed with a seller to buy his apartment, now I am looking for a suitable mortgage but have encountered a problem. I am planning to live there myself and then to let it out in 8 months time as I will be relocating overseas then. A mortgage broker told…
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Paying off lump sum before remortgaging
Hi, My current fixed rate mortgage is due to expire and I'm about to remortgage with a new bank but I want to make a lump sum payment prior to moving. My question is how long do I allow from making the extra payment to my existing lender before starting my new mortgage so that the funds are cleared? Thanks for any advice…
