Remortgage?

milli72

Thanks

MortgageMamma

yeah good luck Milli, you deserve it.

milli72

Thanks mortgage mamma et al for the advice. Will ask halifax for new deal when mortgage deal runs out end of March. If I can't get the money I need from remortgaging will try natwest (they do prof studies loan) failing that will have to find another way.
milli
x

UK007BullDog

Going by your income you cannot look elsewhere. Only Halifax and only to remortgage to a new deal and do not ask for more as they then want to see income (which you do not have).

Why dont you do your course part time? You could do it on weekends or part time evenings. I am aware of this as have insider info. That way you can work and still have your own place.

Have you tried a personal loan? I guess you have tried that already? But then income would be an issue again.

Datasafe_2

milli72 wrote: »

Glad to hear Halifax may not want proof of income, is that the case even if I'm applying for another deal with them? (ie not paying Halifax's svr?)

Every time I have been to Halifax they wanted proof of earnings.

toonfish

Datasafe wrote: »

Every time I have been to Halifax they wanted proof of earnings.

not when you just transfer products they don't. they may well also allow you a payment holiday, but I would try to avoid this if possible

milli72

Thanks
As far as I know Halifax won't re-check my income if I move to new product (made informal call about this). Have thought about personal loan, but due to my lack of income was thinking along the lines of the Natwest Professional studies loan, (max £25K if studying law) not sure how strict their criteria is, they do ask on app form if homeowner & how much £ outstanding on mort. Form is horrendously detailed (i know they have to be). Going to steel myself to complete tonight. Need a stiff drink.

About p/t study. I initially started p/t and studied & worked. Mostly for income purposes but also to see if I could reach the academic standard before chucking in my livliehood. When exams went well, thought f/t better option as take 2 rather than 5-6 years to complete llb. Will fall back on p/t & work if all else fails. Off to call some charitable education trusts....

neverdespairgirl

Are you aiming to be a barrister or a solicitor? If so, don't forget the extra costs of the BVC or LPC after you get your LLB.

Couldn't you do a conversion course instead of an LLB (1 year) if you already have a degree?

milli72

Thanks
Llb was the only way to qualify. The money I quoted includes the 4.5 k needed for the profess. practice course after the llb's completed.

neverdespairgirl

Are you absolutely sure? You said in your first post that, "Also course is accelerated LLB (Law for graduates)". If you are a graduate in something else, you shouldn't need to do an LLB to fulfill the degree requirement - other degree + one year conversion course should do.

Is the extra course the LPC (solicitors) or BVC (barristers)?