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totally confused...

sarah759365 · 2013-03-07 17:15:32

hoping someone can advise. To cut a long story short, my partner is in the process of buying a house. I am not on the application because I had a £45 default on a mobile bill last year. Despite him having an 'excellent' credit rating the financial association (shared utility bill) meant that he was declined by 3 seperate…

Comments

kingstreet Posts: 39,277 Forumite

8 March 2013 at 8:57PM

TBH it's right there in Halifax criteria;-

Maximum LTV on new build properties (houses and flats) is 80% (65% if the scheme type is a second home loan or buy to let).

but they do step outside this for specified developers/brokers. For example, they have just opened up their 90% products on certain newbuilds.

I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
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