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Found 11 results

  1. Hi everyone, I am in the process of purchasing 25% of a shared ownership flat and 2 of my mortgages applications (barclays and halifax) have now been declined for the same reasons : "they won't lend on the property as its an investment-led development property - It appears lenders are not liking the property due to the surrounding of the property and the development appears to be aimed at investors" Could someone explain to me why is this a problem for the lenders? surely that will not affect my capacity to repay my mortgage, and being a shared ownership, i would
  2. Hi, Has anyone had any experience or recommendations for a bank that will allow a new company account, which is owned by two companies. It is for a JV, we have set up a new Limited company for the project which is owned by two separate companies but struggling to find a bank account to support this structure. Any recommendations or advice would be greatly appreciated. Many thanks, Kate
  3. Recently opened up a joint bank account with another investor only to find out he has "adverse credit". I did obtain his credit report prior to doing so and his credit score was average. I did notice he had a couple of late payments back in 2013 but i didn't think anything off it. It recently come to light when my mortgage broker was trying to apply for a decision in principle in our joint names to find out he is being branded as "adverse credit". My broker advised me to close the bank account immediately and so i have done. The account was only active for about 12 days
  4. Hi people, I will be applying for a mortgage in the next few upcoming months and just want to know what sort of things banks will look for in my bank statement. For instance, will they look at each individual transaction (whether it be a car loan or just something bought off ebay)? How much detail will they go into my bank statement? Also, my phone bill is up and down, for example: Month A: £42.99 Month B: £54.45 Month C: £72.99 Month D: £42.99 Will they query why this fluctuates and what I did for my phone bill to increase?
  5. Hi I'd love some advice from anyone with experience of letting their properties through a limited company. I've just set one up and need to open a bank account but all the account I've looked at seem to have lots of charges. Does anyone know of a good account bank to open an account with in this situation? Would love to hear from you! Thanks, Charlie t
  6. Hi My partner and I are just looking to buy our first home. We viewed a property near the forest of dean which needs updating. The kitchen and bathroom are gross and need total replacement. The flooring in all rooms also needs changing. I do believe the price of the property may reflect that. But how much would this (approximately) cost to ensure I do not offer too much for the house. Do I check prices for similar properties and minus the cost of fixing/updating or would I need to offer more? No checks have (yet) been done on the boiler/electrics so we'd need to check that too. Tha
  7. Hi Everyone, I am aware this has been discussed before but what recommendations are there to open a seperate business bank account? Are there no more of the annual fe accounts available anywhere?
  8. Hi Everyone, I am aware this has been discussed before but what recommendations are there to open a seperate business bank account? Are there no more of the annual fe accounts available anywhere?
  9. Hi, So looking into registering the Nature of Business for my property corporation, I am coming across a very short list from the Company House: Section L Real estate activities : 68100 Buying and selling of own real estate 68201 Renting and operating of Housing Association real estate 68202 Letting and operating of conference and exhibition centres 68209 Other letting and operating of own or leased real estate 68310 Real estate agencies 68320 Management of real estate on a fee or contract basis https://www.gov.uk/g...IC_codes_V2.pdf So essentially whether you
  10. Hi, So looking into registering the Nature of Business for my property corporation, I am coming across a very short list from the Company House: Section L Real estate activities : 68100 Buying and selling of own real estate 68201 Renting and operating of Housing Association real estate 68202 Letting and operating of conference and exhibition centres 68209 Other letting and operating of own or leased real estate 68310 Real estate agencies 68320 Management of real estate on a fee or contract basis https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/455263/SIC_co
  11. Hi, I have found a high st property with great fundamentals and a very healthy rental yield. It is in a very impressive listed (grade 2) building with 10 flats. On the ground floor are two commercial properties - a sainsbury's local and a major bank. The flat I am looking at is on the 3rd floor of this building with windows facing onto the high st (double glazing in the bedroom). Should I be concerned about being above commercial in this situation? Obviously being right in the centre of town provides good fundamentals - but should I be wary of anything regarding
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