Hi, I really don't understand why the property/properties that you bought could not have gone into joint names? As you were providing the capital deposit/deposits you were fully entitled to be on the property deeds. Just because you weren't on the mortgage deed has little relevance. As there are clearly some large sums of money involved ...

It IS illegal to drive on a public highway without insurance in the UK.

Hi, your figures are certainly good and promising and you have my sympathy as there are a few options open to you and everyone will no doubt tell you that 'theirs' is the best way to go! At the end of the day, follow your own instincts as to what 'feels' right for you personally. Dummies don't earn joint incomes of ...

Hi, 'if' the reason you are going for an 'interest only mortgage' is because you are not intending to stay in the property for very long, then dependent on 'how long' you are intending to stay as to whether you should go for a 3 year fixed rate or longer? For any period of less than three years then I personally would go ...

James, although you have an excellent deposit (25%) many lenders may baulk at your varied income as they won't like the fact that you are applying for a £150k mortgage yet some months may only earn £1,000! My advice to you would be to go and speak to your own bank (where your income is paid in). They have a direct history of you ...

Nikki, have a look at the Zopa site for 'loans from people not banks'. It is fast becoming a very good and growing option for many people in your situation. If nothing else the info on the site should be of future interest to you either as a borrower or lender. Good luck.

Yes it is possible to have your new partners name on more than one mortgage. Depending on your existing lenders 'criteria' with regard to status and income as to how they will view his/your application. I would suggest that you and your new partner make an appointment to see a mortgage advisor at your lenders offices to discuss the matter. ...

patch:thanks for your advice as i said the £110.00 is at the moment hard but i fully intend to pay my debt nothing i pay is coming of the outstanding balance it seems to be going towards the interest can i ask them to freeze the interest and take my payments of the balance Patch, you can ask them if they would 'freeze' the ...

Patch, all that you can do is to work out the very maximum that you can 'realistically' afford to pay back to M & S each month on this card. If that amount is less than £110 per month then so be it. Write to M & S confirming which benefit off ice you are registered with and let them know the amount that you can realistically ...

Laura, the simple truth to your 'position' is that you are in a bankrupt situation or in other words, your debts exceed your assets and you currently have no realistic way of paying those debts back. To declare yourself bankrupt would involve you going to your local court and completing the necessary documentation. This would also involve ...