Does anyone know the general lending criteria for the Abbey 100%+ mortgage? Havent got great credit ratings but have been paying a mortgage for over a year with no missed payments etc Thanks Gemma

The overdraft seems the best option and if the bank accept the application, be sure to set up an agreement that once you start receiving a monthly salary, that they automatically reduce it on a monthly basis. You mention you need £1500 for bills, but then state a £3000 overdraft? I'm guessing you already have a £1500 ...

Is there any loan providers that have re-introduced 125% secured loans?. If not, do you think it is likely over the next few months? Thanks

Over a period of time banks build up an internal "rating". The better you run your account the higher your score is. This basically results in "pre-approved" offers being put in place. If you have online banking there is a section called "offers". This should detail the current lending facilites that are available to ...

Anyone?????

Ok, I'm not going to go into massive detail here as I have ran through my finances on a number of previous threads, The situation is this. We bought a home 10 months ago on a 95% LTV, totally unflexbile mortgage with GE Money Home Lending. Purchase price was £146950.00, Mortgage value £139602.00. Current market value approx ...

It is. I pay £23 per month for a large 2 bedroomed flat with storage heaters! look for another provider ASAP. Im with British Gas!

If you have online banking it will show your pre-approved overdraft/loan amounts. If it shows zero I very much doubt an application would be approved. Check this out 1st and let us know

Who do you bank with? You would normally have to run your account in good working order for a minimum of 3-6 months with no charges being applied to be eligable for a loan. Banks use an internal scoring system as well as external credit scoring so its always good to have a "high" rating within the bank itself. Have you asked them for a ...

Have you tried your bank? They are the ones who will already have a history with you. Most banks have "pre-approved" limits set for each account so it may be worth giving them a try before you look elsewhere. Gemma