Most BTL needed a 15% deposit as far as I am aware? On 90% LTV:  On a 25 year mortgage = £1818.77 (6.0%) On a 25 year mortgage = £1923.73 (6.6% - more likely) Total amount payable approx £577,119 Void months etc - you may have 1-2 rooms vacant for 2-3 months or so. could you cover the additional payments on the ...

You'll be fine! Usually once you have put an offer in you have 2 weeks to sort out a survey etc. Some estate agents will ask for the solicitors details on offer, but thats about it. I managed to get a mortgage in principle and the survey done within the space of 4-5 days so you have time on your side. I hope you manage to get everything ...

No I'm not, I actually had a good experience with them. I am not interested in furthering my career or touting for business (as many companies and individuals already do on this site). I do not work in or around the financial sector, I recommend that everyone get a recommendation from a friend because finding a good adviser in this world that ...

Wow! You lucky devil! It may be worth investing in good financial advice - hopefully it will pay for itself if your money is well placed. Given the taxation situation, it would be best to keep your money offshore. I think the property market abroad has really taken off so I don't there is that much profit anymore. Have a look what the options ...

This changes from company to company - Usually the basic requirements are that you are over 18, your are in a permanent job, you can afford the repayments and that you are the electoral roll.  Its best for you to use either smart search tool on this site to find the best deal and then have at the terms and conditions for that loan. Best of ...

Hi Abba, The best option would be to find a good IFA in your area. If you can, ask around in work / friends / family to see if they have any personal recommendations. The moneysupermarket team can offer you some advice and they can also refer you to an IFA closer to you. The IFA I went with was called Peter Mortgage mortgages (see google) however ...

I would probably say remortgage if you can, if not, sell and move to a smaller house. I think an IVA would completely obliterate your credit rating. As you have other options available to you, its probably better for the long term for you to try the other options first. It may be worth getting an appointment with your local CAB and also arrange ...

My personal recommendation would be to consult another IFA as soon as you can just to check if this is the best deal you can get. If your desperate for the house this weekend, the only choice you would have would be to go with the mortgage broker your with now. I went through a company called Peter Morgan, they are not open on the weekend, however ...

Agreed with Adey, you'd be better trying to consolidate your loans into the mortgage or leave them as they are for now. Every time you apply for credit it registers a credit search on your file. If many searches appear on your file, this can decrease your credit score. I'd recommend just working out a budget for yourself, including the ...

Hey there Scottish widows currently offer a graduate mortgage. Thought it may be of some interest to you! As a first time buyer, many high street banks offer first time buyer mortgages that may be more competitive, however, its worth a look!   Here is the blurb from their website: "Our Graduate Mortgage is available to all graduates of ...