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Money transfer to 0% CC
Can anyone offer a bit of advice please. I've been having a play around with some online mortgage calculators to get an idea of how much we could afford to borrow. I have a student loan outstanding of around £7000, and they take currently about £550 per month from my salary to pay it back, so it looks like about 12 months…
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Turne down for a help to buy mortgage
Hello everyone, I'm feeling very frustrated at the moment. I want to buy my own home but I have been turned down for a Help to Buy 95% mortgage. I have managed to save £8,000 for a deposit and I'm looking at properties around the £130,000 mark which is well under 3X my salary. I have been to see a bank about getting a help…
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Mortgage question
Hi all Hoping for some help here. My brother owns (well has a mortgage on it) the family home that parents were staying in. Both parents are sadly no longer here and he is keen for me to buy the house. This is something that was going to happen a few years down the line in order to allow me to build up some savings. The…
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Mortgage with Parent in their 60's
Hi Does anyone know of any lenders that will let you have a mortgage into your 80's? I split from a partner and don't earn enough to take over the mortgage on my house. My dad who is mortgage free has offered to come on the mortgage with me but he's 60 and to make payments affordable I'd need to do the mortgage over 20 to…
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Joint mortgage relationship breakdown
Good evening all, I'm very much a newbie so please excuse me my first point I will try to get across what I mean as succinctly as possible :-) My fianc! and I have been together 6 years, prior to our relationship he had a long term relationship with someone and they had a child and bought a house together. The house was…
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Help to buy equity loan
Hello I am looking at using the help to buy equity loan to buy my first home... Does anyone know if through this scheme you can use any mortgage provider or are there specific ones?
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Mortgage With No Income
I currently work abroad. Returning to uk in October. Paid in foreign currency and pay tax in EU country. Mortgage free property in uk worth £440,000 ish Savings £173,000 Redundancy in October and payout of £70,000 after tax. Want to buy a second property in next two months worth £170,000. Plan to move house downsize in Feb…
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Stamp duty on second homes question
Please can you confirm the following scenario. Mr Adam Alpha and Miss Eve Beta purchase a house together five years ago through a joint mortgage. This is their only home and its their residing property. They are unmarried. Last year Adam and Eve paid off their mortgage and therefore own the home outright. This is still…
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Porting a mortgage to new property - Nationwide
Hi, We've just had an offer accepted on a house and we don't need to increase our mortgage to move. We currently have £18k in mortgage overpayments which we'd like to have back because they will cover our buying and selling fees with a little left over. Even after we take the cashback, our loan to value would be just under…
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BTL mortgages
Hello all, grateful for any help. I own 3 rental houses, each worth £350k. The mortgages on them are minimal, £38k, £91k and £130k respectively The 3 BTL mortgages are interest only and expire 2019, 2021 and 2026 respectively. I am 60 my wife is 70, the houses are owned her, her, me respectively. We are happy to gift / own…
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Splitting with partner, how do i proceed?
Just wondering if anyone could help answer a few questions. Me and my partner are not married but are now seperating. I have no idea on what steps i should first take. Any help anyone has would be really appreciated.
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First time buyer questions
Hello all, hope your all enjoying the weather Me and my oh are hoping to buy our first home in july. I earn £22779pa with bonuses and overtime and my oh earns £19650pa plus £400pa in bonuses. We have spoken to a broker friend and based on our earnings and commitments we could potentially borrow up to £180k but the house we…
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Vodafone dispute and mortgage
Afternoon all. My husband has had trouble with Vodafone, they put late payments on his credit file in error which I managed to get them to remove, we have the evidence of this. We then applied for for a mortgage and when the underwriters looked at it, Vodafone have reopened the account and put late payments on there, I…
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Lapsed Endowment Policy with Value
Hi, I've just joined here and hopefully the knowledgeable masses on this forum can help with a simple answer! I just found paperwork from an old endowment policy that I took out in 1994 that lapsed in 1999. The insurance provider, Scottish Provident, cancelled the policy and ended the associated life covering December…
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Direct valuations.com
Any experience of this company for building surveys? Mortgage trough Hsbc and this is who the survey is through.
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Anyone used Trussle?
Hi Everyone, My wife and I are in the process of sorting a mortgage and I've come across a new online mortgage broker called 'Trussle'. Has anyone on here used them or know anyone who has? Their reviews online are all very good which makes me suspicious, especially as many were received before they even launched. All the…
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Directors Mortgage - Net profits
Hi, I was wondering if anyone either in the industry or someone who is in our position had any luck securing a mortgage. I'll do my best to keep it factual and to the point! I am a director of 2 companies. Company 1 - 50/50 with my wife, Company 2 Me 100% shareholder. Both limited companies. Company 1 - 4 years old,…
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Remortgaging with debt/poor credit - help please
My husband and i currently have a mortgage deal thats due to end soon and would like to remortgage but to a higher sum to allow us to clear our credit cards and overdrafts. Our credit scores arent great however we would still have 75% LTV with the additional borrowing (£10k). can any one recommend a mortgage company who…
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Basic mortgage question
Hello, is there any savings to taking out a mortgage with, say, a term of 20 years or taking out one for 25 years and overpaying. Will you end up paying the same if you overpay by the equivalent amount each month? So, for example, if the repayments for a mortgage over 25 years were, say, 800 per month and over 20 years…
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Mortgage appeal halifax any chance?
Hello everyone. Just wondering if anyone can help or maybe reassure me I have a chance of getting our mortgage appeal through. Basically we reserved a new build home, got a mortgage in principle and then in full, however just before exchange we changed our minds ( garden was much smaller than we were told) but swapped to…
