We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Do mortgages make sense to anyone!?

2»

Comments

  • 16hm
    16hm Posts: 31 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Thank you all for your replies. Yes I think I am leaning heavily towards just selling and going.

    Thanks again.
  • GSXRCarlos
    GSXRCarlos Posts: 830 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    unless your father can "give" you the deposit on either your new house or 25% of the house you intend to rent out

    most rental mortgages will require a 25% deposit
  • 16hm
    16hm Posts: 31 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Thank you all again for replies.

    I have now decided to simply sell and buy a new home in conjunction with my wife.

    I am about to come out of a fixed rate, what is thr general thinking around rates? Should I fix or go with variable rates. I appreciate that no one has a crystal ball but just wondered what current opinion is.
  • Have you looked anywhere else to see what they'd lend you? it's just that when I was looking, Northern Rock was not one of the lenders who would lend higher salary multiples. I'm not really sure what there multiple is, but have you tried NatWest, HSBC or Nationwide, just to see if they can give you more flexibility in your options?
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247K Work, Benefits & Business
  • 603.6K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.