13 Sep 2011 18:28
Best advice above, speak to your accoutnant to get a broker sorted out.
2 Jul 2012 19:09
I've had a mortgage with my brother for about 9 months but its looking ever more likely he is going to move in with his girlfriend. I've got a couple of friends who are keen to move in as lodgers but how would that affect the mortgage? Do I need to tell the bank and pretty much do everything by the book?
2 Jul 2012 19:13
youre in shit. worlds of fucking pain.
4 Jul 2012 15:41
its always easy and hassle free if you and the bird have worked all your life since leaving school and aint trying to lie of fiddle anything.
congrats by the way.
4 Jul 2012 16:12
my 2nd go was extremely easy, still no idea why turned down 1st time. irritating cos didnt have time to go back in for an interest only mortgage, so have to pay capital off too.
4 Jul 2012 16:51
why would you not want to pay some capital off?
congrats homer, now enjoy the buying bit (which is way more hassle)
4 Jul 2012 16:56
because for the sake of paying off a drop in the ocean, id rather have more cash in my pocket until im earning more.
4 Jul 2012 17:46
so you had offer accepted on a place?
4 Jul 2012 17:54
Yea , this was the final mortgage approval/offer after valuation/credit checks etc etc
4 Jul 2012 18:11
Being a property lawyer the best advice I can give is never talk to your seller/buyer directly and hassle the estate agents/solicitors as much as possible.
Oh, and don't believe Kirsty Allsop or any of those Property programmes when they tell you how the process works; in reality it's nothing like that.
10 Jul 2012 16:31
need some advice please, would really appreciate some input here. know very little about mortgages.
hoping to buy a new build 2 bed in london, guess it will cost 300 - 400. will be going on it with my old man. I have fuck all equity and probably couldn't mortgage it on my own unless it was shared ownership which it won't be. Any ideas roughly how much monthly repayment would be on a mortgage say for 390? and even though my old man will be fronting deposit, and mortgage will be in his name is there any thing i can do as a 1st time buyer to get any discounts of some type? aware the holiday on stamp duty for 1st time buyers has now ended.
10 Jul 2012 16:34
bout 1800 to 2k a month. no pressies no freebies.