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Mortgages and partners
Hi All, I'm looking to buy a house in the next few years and have a 30k deposit saved. I would like the mortgage in my own name, as my partner has no savings. However he would still be contributing to the bills - will the bank let me do this? And how does it work in terms of if he has lived with me for 2+ years is he then…
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Car finance before mortgage
Hi all, In approx 6 months my wife and I will be staircasing to 100% ownership on our shared ownership property. We only moved in at the start of the year however me being promoted and her getting a full time job has made it affordable. Using the online calculator for our lender, they are willing to offer us quite a bit…
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Agreeing a mortgage before starting a job
Hi, I was wondering if you could advise please. I currently own a flat with my wife which we bought when we were both employed. For the last 3 years however, I have been completing a graduate degree and so have been living off a bursary (i.e. not employed). She has still been employed and we have met all our mortgage…
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FTB Mortgage Deposit - Money split in multiple accounts (current and monthly saver)
Hi, We are planning to buy a house in the next months; just got a AIP and it matches our needs. Our question is the following: will we be able to use the money we have in multiple current accounts and monthly saver accounts as deposit? We have 7 current account, 6 monthly savers and one HTB ISA (we will not be able to use…
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Over pay mortgage or HTB loan
We are just about to start the process of sorting out our new home. We will have a rate fixed for 5 years of 1.84% I will be saving around 18k a year putting it aside. I was looking to pay the equity loan back ASAP but would it make sense to overpay mortgage initially then add the equity loan to a remortgage in 5 years…
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Disabled and getting a property
Hi, :j I wondered if you can advise please. I have a long-term worsening disability, and am looking to be in more secure housing, even getting my own property. How can I go about this? I receive PIP (disability benefit) My income is less than 10K/year (few hours/ self employed is all I can manage), but as I once worked…
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Was i miss-sold?
My fixed term had ended with my lender NatWest. I logged into my online account and they were offering me new fixed terms so I decided to take a 5 year fixed. The forms came out and I agreed to the original house valuation when we first purchased and the house and interest rate and returned the forms. I thought nothing of…
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Halifax mortgage overpayments - Reducing term, monthly payments - Explanation needed
Hi All, I've been looking to understand how mortgage overpayments effects the mortgage term or the monthly payments. Not sure if this is specific to Halifax, but they have this policy that confuses me a lot. They won't reduce the term automatically after an overpayment, instead, they say that they will adjust your monthly…
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Mortgage Leads
Hi, I’m wondering which mortgage lead providers people would reccomemd please?
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Shared Mortgage and Tenants in Common
Hello, A friend and I want to buy a new-build property in London together with a shared mortgage. We also want to be tenants in common so in the future, if one of our situation changes (want to move in with girlfriend, job location change etc.) then we can sell our share of the house to an external buyer, without the other…
