General Discussion: mortgage help


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figurine
figurine avatar

5734 posts since 14/5/07

6 Jan 2016 20:32
Still on track to be a billionaire then stoney?
sydneyking
sydneyking avatar

4558 posts since 26/9/09

6 Jan 2016 20:34
Dee wrote: tracker or fixed these days?

Some analysts predicting middle of next year for an interest rate hike now
stoney
stoney avatar

17396 posts since 22/1/05

6 Jan 2016 20:42
figurine wrote: Still on track to be a billionaire then stoney?

Nope, but I could borrow 800k if I had 10%, only got 5% so limited to 600. Just want to know about the stamp.
Homer
Homer avatar

23926 posts since 8/5/03

6 Jan 2016 20:50
Everytime I've bought (twice) the solicitor wanted it before completion
andymakesglasses
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20199 posts since 26/1/06

6 Jan 2016 21:58
illwill wrote: Bird wants to take a new job that's well paid but the employer has some dodge where she's permanently employed but as a locum.

I guess this will put the brakes on us getting a mortgage. Anyone have experience of borrowing while self employed? Is it a massive arse ache?

I've just done it. I was advised to go through a broker who specialises in dealing with the self-employed. I can give you his details if you want them.
stoney
stoney avatar

17396 posts since 22/1/05

6 Jan 2016 22:50
Homer wrote: Everytime I've bought (twice) the solicitor wanted it before completion

That is the norm, but the Doris I'm using is friendly and up for it
figurine
figurine avatar

5734 posts since 14/5/07

7 Jan 2016 09:24
From reading here you can definitely pay it by credit card, don't think you can split it over more than one card though.
BennyB
BennyB avatar

660 posts since 17/12/03

7 Jan 2016 12:38
Lawyers generally want it upfront but think you have up to 30 days to complete it.
stoney
stoney avatar

17396 posts since 22/1/05

7 Jan 2016 12:56
Ta, my lawyers says they do want up front so can pay a portion on card (with a 2%fee)
Crackajack
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7144 posts since 21/4/05

7 Jan 2016 13:41
Won't the lender ask how the stamp duty is being costed when calculating the larger mortgage you're after?
stoney
stoney avatar

17396 posts since 22/1/05

7 Jan 2016 13:56
I'll say it's being gifted ( bank of dad could provide evidence of
The funds)
Crackajack
Crackajack avatar

7144 posts since 21/4/05

7 Jan 2016 16:00
So your lying on your mortgage application, potentially committing fraud.
seenmy
seenmy avatar

6527 posts since 17/6/06

7 Jan 2016 16:35
gotta love stoney the ultimate risk taker, always willing to take the risk even after getting burnt in the past and nearly going under
stoney
stoney avatar

17396 posts since 22/1/05

7 Jan 2016 19:38
Crackajack wrote: So your lying on your mortgage application, potentially committing fraud.
Not really, as in 16 weeks I'll have full deposit and stamp and it will prob drag out longer than that, but it's a just incase something moves quick.
Homer
Homer avatar

23926 posts since 8/5/03

25 Apr 2016 12:59
Anyone a surveyor on here?
Brian Damage
Brian Damage avatar

7992 posts since 21/10/03

25 Apr 2016 14:21
Stoney?
illwill
illwill avatar

3653 posts since 17/5/04

25 Apr 2016 16:03
You sure? He's never mentioned it.
Brian Damage
Brian Damage avatar

7992 posts since 21/10/03

25 Apr 2016 16:31
Just a hunch
stoney
stoney avatar

17396 posts since 22/1/05

25 Apr 2016 19:42
illwill wrote: You sure? He's never mentioned it.

only when asked
Homer
Homer avatar

23926 posts since 8/5/03

26 Apr 2016 09:35
Cheers, he helping Cool