I am a broker, but forum rules state that I don't put my contact details on the posts - it's fair enough as Moneysupermarket employ their own advisers, who you could try.

Adrian007

google?

Have you tried the moneysupermarket guys? There are phone numbers on the Money pages; click on mortgages.

Cat

Thanks Adrian007,

Are you a mortgage broker yourself?

If so could you help me further give or me the names of these mortgage companies or if not do you know any good mortgage brokers who could put me in touch with this kind of company.

All your help is greatly appreciated.

Many Thanks once more

Chris Rooney

Hi

Answers to your questions.

I'll answer 2 1st.

£156000 mortgage on repayment, £175000 on interest only. These would be 95% mortgages, I'm not sure without checking if you'd 100%, although the lender in question does do 100% mortgages so it's possible.

So, then moving onto question 1 - you could take the mortgage on interest only to start with and convert to repayment after you qualify.

Those are my best ideas. There are other lenders who operate with this level of generosity, but I've only checked the one to get an initial indication. They do take into account outgoings for loans and credit cards which you've not mentioned, so bear that in mind.

Hope that all helps

Adrian

Hi,

Each factor depends on what mortgage company you go through.

Not sure whether there are any mortgages specific to working towards a qualification but if you have graduated through university there are companys who provide graduate mortgages.

Your last 2 questions vary widley fom lender to lender, I'm not sure to max you will be able to borrow will be but i do know some companies will go up to 130% LTV ( i wouldnt advise this as if finances get difficult you dont leave yourself many options).

The best thing you would do would be to talk to an IFA as this is the type of thing specialise in

HTH

Hi I am looking for a joint first time mortgage with my wife.

We are both 22 and have a son of 2. We have been married for 18 months.

I am training as an accountant and earn 18k but this will rise as I follow my training and plan to qualify fully in 2 years time.

My wife earns 13.5k.

We both have adverse credit history from when my wife was off with our son but my wifes is better than mine. Please note we do not have any county court judgements or worse.

I do have a 5% deposit but I would prefer a 100% mortgage if possible and wondered if anybody could answer the below mortgage related questions:-

1) Are there any mortgages that I could tie in with me studying to be an acocuntant at all?

2) How much would we likely be able to borrow with a joint income of £31,500

3) What would be the highest LTV we would be able to borrow?

Any help / advice on the above would be fantastic.

Kindest regards and best wishes