Thank you for your support and comments Sparky. Perhaps I should have said IMA (Independent mortgage adviser) rather than a broker:) If you live within the industry you have a focused understanding of lenders and their criteria with no other distarctions. My post was not inteneded to seem cap in hand but information for Joe bloggs who is unaware ...

I feel that I should let everyone know how the markets are working at the moment and the effect it is having on mortgage brokers and your access to independent advice. Advice not only helps you find the best deal but also the most suitable. Our efforts ensure that your mortgage is affordable, this is the most important factor, as well as being ...

I wish you guys would say who your current lender is when there are mortgage questions, this sometimes is the easiest route for renovations or extensions. If the mortgage is to be a repayment mortgage, the term will be dependent on what you consider to be affordable? Always err on the side of caution as you will usually be allowed to make ...

If the sellers have not left the property in the condition that was agreed....empty...then you may seek compensation for the cost to you. It will be a civil matter and probably won't be worth anyone taking action, so it will be down to how committed either party is to persue this matter. If they have left other items and the house in a poor ...

Let us know what their response is once you have submitted the new figures, I think it will be acceptable if there is no extra borrowing.

All 2nd charge lenders have reduced their LTV's as well as the High Street lenders, this is why they are reluctant to postpone the charge unless total borrowing is at a level where they are happy with the security. Even though your LTV is very close lenders are very unwilling to compromise. GE are not unlike all other lenders, they at the ...

It would seem that GE are being overly cautious here as the loan to value is at the most 68%, I am going to assume that they may require the total borrowing to be below 60% as most of their new products are at that level. Why don't you consolidate the secured loan with B&W, is the product you are looking at a 60% and will not allow you to ...

Who is your lender??? If they have some rates available you can just do a product transfer with no questions asked. Most lenders nowadays use affordability calculators, you can find them on their individual sites so play around to see how you stand.

Makes sense in todays market. Offsets like Intelligent Finance are good, One Account have suspended preferential rates, you may also look at Woolwich, Standard Life or the Coventry for alternatives. Use a broker who understands the different levels of services offered by those lenders.

All insurance policies are based on "utmost good faith". If you state that you are a non smoker (no intake of nicotine or substitute within the last 12 months) they will base the premiums upon that fact. If there are no instances that may require a medical report then the smoking issue will not be contested. If however someone dies the ...