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Additonal borrowing LTV question
Hi all. I currently have a mortgage on our house where the LTV is 60% and we are looking to borrow some additional money in order to build an extension. We are not 100% sure how much we will want to borrow yet but the ballpark figure will put us around the 75% LTV mark. I am aware that we would ideally stay below the 75%…
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Charge-free Early Repayment v.s. Reducing length of term
Good morning, I am trying to figure out what is best way to repay my mortgage ... My mortagage allows me to make early repayment of 10% remaining balance every year without any charge. So I was thinking of doing that yesterday, then halifax told me they can review my policy to reduce the length of term which will be…
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Remortgage on Help to Buy
Hi All So we are currently on a 2 year fixed help to buy mortgage with Skipton on a property bought for £175000. We have a mortgage of £131250 and a H2B Equity Loan of £35000. The loan is interest free for 5 years and then we have to decide what we are going to do. Has anyone had any experience with regards to remortgaging…
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Your opinion please... Mortgage chances
hi there, Just wondering if i could ask for your opinions please. I have just had my offer accepted for my first house, for £169000. I have a £60000 deposit which is 35.5% of the house so i will need to borrow £109000. I have an AIP from Natwest of £115000, they said the maximum i could borrow is £165000. My salary is…
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2nd residential property / BTL
Hi, I'm about 6 years into a mortgage for the house I currently live in - the house value is around 100K and the mortgage is 95K - depressingly the house prices in NI haven't rebounded like most of the UK. I want to move house and recently agreed a new house. The plan is just to get a new mortgage for the new house and…
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Mortgage success
Hi All, Just wanted to drop a note in this forum to say its not impossible to get a mortgage if you have not had the best credit history. Through a broker found on this forum we managed to get a mortgage offer despite me being on a DMP until 2012/2013 and the rate although a little high a 6.09% for a 95% mortgage it worked…
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Advice re mortgage and SDLT
Hello all, I posted this over at Loans (you will see why below), but the guys over there thought you friendly Mortgages people might have some helpful tips. My girlfriend and I are first time buyers and should hopefully be moving in in around 3 weeks time. We have saved hard over the past three years and the deposit is in…
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Mortgage redemption- overpayment
Recently sold my house and redeemed my mortgage. The final figure was from a redemption statement issued on 23/05. My mortgage was redeemed on 12/06. I made a payment on 01/06. Am I dye a refund of that payment or was it included in the redemption figure? Coventry building society Thanks
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HSBC fee
Looking at a £999 fee with HSBC plus a valuation fee on top for the cheapest mortgage rate. They seem to want both fees before the valuation which seems a bit risky e.g. valuation is less than offer or my buyer/seller pulls out. Does anyone have any HSBC specific advice about if the booking/application fee is refundable?
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Proof of Income from HMRC for Mortgage Application?
Am I correct in thinking I need SA02 forms, detailing my income from my self assessment submissions? I want to apply for a mortgage shortly so need proof of income. I've written to the HMRC requesting the relevant documents, but that was over 3 weeks ago and I haven't received anything yet, and needless to say I can't get…
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withdrawal fees
Hi, hoping someone can help me out. I put my house up for sale in april 2010 on a 3month agreement, the estate agents said it was a 6month agreement. Anyway, when I told them to remove it in oct 2010 due to personal reasons of not being able to sell at the time they decided to tell me i was in a years contract with them!!!…
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mortgage and divorce
Please can anyone advise. I have recently discovered my husband has committed adultery and we are starting divorce proceedings. Luckily it's all amicable even Tho I want to kill him We have no savings. Hardly any pension. No cars. We literally only have the house. He is saying I can have the house and the mortgage and he…
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What are my options - beginning to really worry
Hi there - I'm new to this forum so please be gentle! My husband and I currently have a 20 year mortgage on a house worth around £190k (we paid £200k 8 years ago). So we have 12 years 8 months left. When we took the house - we were in a good financial position - husband was self employed but earning well, and I've been in…
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do i pay off a buy to let?
I have been paying off lump sums on our buy to let. I now have the opportunity to pay off the whole amount. I need the rental income. But is this wise, I can't work out how much more tax I will be paying as I can't offset that now?
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KOVO토토사이트≠≠≠⊥Ｄoｎ5８８땄Ｃoｍ(카톡: XAZA)⊥≠≠≠ 여자배구해외픽 WKBLǭ
KOVO토토사이트≠≠≠⊥Ｄoｎ5８８땄Ｃoｍ(카톡: XAZA)⊥≠≠≠ 여자배구해외픽 WKBL사설놀이터 KOVO토토사이트≠≠≠⊥Ｄoｎ5８８땄Ｃoｍ(카톡: XAZA)⊥≠≠≠ 여자배구해외픽 WKBL사설놀이터 KOVO토토사이트≠≠≠⊥Ｄoｎ5８８땄Ｃoｍ(카톡: XAZA)⊥≠≠≠ 여자배구해외픽 WKBL사설놀이터 KOVO토토사이트≠≠≠⊥Ｄoｎ5８８땄Ｃoｍ(카톡: XAZA)⊥≠≠≠ 여자배구해외픽 WKBL사설놀이터 KOVO토토사이트≠≠≠⊥Ｄoｎ5８８땄Ｃoｍ(카톡: XAZA)⊥≠≠≠ 여자배구해외픽 WKBL사설놀이터 KOVO토토사이트≠≠≠⊥Ｄoｎ5８８땄Ｃoｍ(카톡: XAZA)⊥≠≠≠…
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child maintenance and child benefit - affordability
Does anyone know which lenders take into consideration child maintenance and child benefit when they run affordability? I have bank statements to prove these but no written agreement or court order for maintenance. Thank you!
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Second Charge on Mortgage
Hi All, I am wondering if someone can help. I have a 2 year fixed ortgage which is up for renewal in October 2016. I also have taken out a Second Charge on the Property which completes January 2019 although with the extra payments I am making to it it will likely complete around July 2017. What I am trying to find out is…
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Looking for some hope...
Hi everyone I'm pretty new, so if these are stupid questions I'm sorry... Me and my husband have about £15k for a deposit on a house, the only issue we have is that I have a default on my credit file from 2011. This has been cleared for around 18 months now, and neither of us have any credit in any way. All accounts are…
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Lender Property Valuations
I guess this could vary wildly from lender to lender, but is there generally much leeway to the methods used to value a property? Our full application wont even be submitted for a day or two but I'm already a bit worried about the valuation. I instantly loved the house and compared to the town its in, it is a very good…
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Shared equity mortgage and additional borrowing (Natwest)
I'm currently having issues with Natwest. Five years ago I purchased my property under the government's HomeBuy Direct scheme, with an equity loan of 30%. I now want to staircase and repay this loan in full but need to borrow more money from Natwest to do so. I had an inital meeting where they said yes I could borrow more…
