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Mortgages & endowments
Archives for July 2017
Discussion List
Unable to get a mortgage
My partner and I are struggling to get a mortgage at the moment. We stupidly took out some payday loans recently, apart from that we have a couple of missed payments on our credit files from around a year ago but nothing else. Most standard mortgage brokers have fairly flatly said they can't do anything for us. Where is a…
sole trader mortgage
hi everyone so looking for advice,i was made bankrupt bout 5 years ago and discharged over 4 years,Iam a sole trader and iam wanting a mortgage not a big one maybe 110k tops and have a deposit around 20-25k,been trying google to find a broker but no idea where to start please help am fed up of paying rent
Buying with family! Is it possible?
Hi all Here we go Me and wife are currently renting Found a house that we want to buy, but we plan to buy with mom, dad and brother to all live together in a fairly big house. Parents are selling house to my other brother and are putting £117k 30% of house cost + stamp duty and costs down on the house. Wife earns 39,500 me…
Best way of funding buyout of co-owners on inherited property (second property)
Sorry this is quite long – please feel free to scroll on by! I posted a similar post on the house buying forum but as it’s specifically mortgage related I thought this was the best place to post to get more specific advice (I’ve noticed a lot of mortgage brokers post on this forum!) So this is the situation: Last year I…
Leeds sole occupancy
Hi first time posting here so apologises if wrong place. I completed on my house purchase late April. At the time I was the only person residing in the property and leeds asked me to sign to say that I was ok with them using credit references to check this upto 6 months later. I was happy to sign as my girlfriend and I…
Parent lending/gifting 50% of property price
Hi, I am wanting to lend/gift my child half of the cost of a house and he will get a morguage for the other half to help get him onto the property ladder. What are the pitfalls. I would still like to retain a charge on the property in case any future partner of my son tries to claim half the house. Is this a thing that…
Buying the freehold
Hi, Just bought a semi-detached house which is leasehold ( 949 years remaining). Is it likely to be possible to buy the freehold and would it be worth it? Main reason would be to hopefully have total control over what we change / do to the property ie removal of an internal wall/ building a veranda/ extending driveway. I…
What are our options? Opinions please?
I’m looking for a bit advice if I may, please. This may be a little lengthy so please bear with me. My partner and I would love to get on the property ladder, however he has quite adverse credit. A satisfied CCJ for £400 that is 18 months old. He also has 4 defaults that are zero balance as they’ve all had full and final…
Morgage advice required
Hi everyone I am hoping someone can give me some advice. My parents are married and they have joint ownership of the house. In the last few years my father up and left for another woman. He has been paying back the morgage on the house. My mother is a housewife (no income) and automatically didn't get involved with any…
First Time Buyer Savings Scheme
My son is looking to purchase a house with his partner in a few years and wants to know what the BEST First Time Buyer Scheme on the market at present...heard of a Nationwide Mortgage ISA where Government contributes 25% but is this the best please?...Is it only for a single person or can both contribute and get double the…
Allowances and Mortgages?
Hi, I'm attempting to become a first time buyer and will be looking to buy a flat and rent out a room to help cover the mortgage. I'm currently overseas with work and will be here for a year. During my year I receive a number of allowances on top of my base salary which in total are larger than my current salary. I'm…
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