"Best" 90 LTV Mortgages/Remortgages

alipops1986

Hey guyz,

Now looking to remortgage, as i bought home for 84k, without a mortgage. It should easily have 10% equity in it now.

Anyone aware of any good 90% LTV mortgages out there? Also,as i've not had a mortgage before do i qualify as a first time buyer even though i already have my house?

Finally, i am a teacher and looking to change job shortly, will this affect my ability to get a mortgage? I've been in my current job very nearly a year now.

Thanks,
alipops

Conrad

Hi you say in one breath you bought without a mortgage meaning you would have 100% equity, not 10%, but in the next you say need a 90% mortgage. Can you clarify?

beecher2

http://forums.moneysavingexpert.com/showthread.html?t=2263395&highlight=

will help

Cannon_Fodder

http://forums.moneysavingexpert.com/showthread.html?t=2263395&highlight=

Repeatedly asking flavours of the same question makes it hard to follow - keep to one thread please.



Prices in Lincolnshire are nearly flat, +2% at most. Who valued your house and decided it has gained 10% in 6 months? Estate Agents are notoriously inaccurate.

A Lender will get a professional valuation, which may not even match what you paid for it.




[IMG]http://www1.landregistry.gov.uk/houseprices/housepriceindex/report/default.asp?g=1&gt=1&a=Lincolnshire&s=01 January 2009&e=01 December 2009&t=1[/IMG]

Squish_21

Nationwide do 90% mortgages at present.

elfpix

hi, do you know if nationwaide will lend 90% with a ccj? my ccj is £377 but my credit rating is in the 800s so in the 'good' category, my partners is also in the 900s and he has no ccjs

VIGILANT22

I would say no and I expect nationwide would say the same (I hope)

_Andy_

NW will decline you with the CCJ

elfpix

i think all highstreet lenders will

MortgagePerson

Nat West will do 90%ltv @4.99%

elfpix

they refused us because of the ccj, i'm so angry about it, the woman who the ccj came from what told she was 50% in the wrong, i wish i'd have been advise to pay it straight away as my credit rating is really goos apart from that!