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Found 6 results

  1. Hello everyone, I hope you're well! I'm not sure if I'm in the right place for questions about my own home mortgage, if not I can remove the post. It's my first time remortgaging and I have a few questions. When we purchased the property 5 years ago we completely gutted the house back to bare brick, re-plastered, fitted new bathrooms, new kitchen, all new fixings, and gave it a fresh coat of paint. When remortgaging for when the 5-year fixed term ends should we pay to have the place valued in the hope that we've increased its value to get a better LTV ratio o
  2. Hi, I am currently stuck in a consent to let nightmare and I was hoping I could get some help or advice. Any help would be greatly appreciated. The issues I have span a long list, but I have summarized most of the issues. In 2007 I bought a 1 bedroom apartment (new build/off plan) in Sheffield City Center for £106k (100% mortgage), myself and my wife lived there until 2010. In 2010 we bought a 3 bedroom house together. Because I was in a fixed mortgage for the apartment, I couldn't move to a different lender. So after failed attempts to sell the apartm
  3. Hello I just had a really useful meeting with my mortgage broker, we discussed our long term plans. He has suggested that we should calculate our finances to use mortgages at 65% loan to value as he said once we become portfolio landlords (owning 4 or more properties) then mortgage companies will look for 65% average ltv across our whole portfolio. I just wondered if this is correct? And how others manage this? I have done all my planning calculation on 75% ltv and this obviously makes a big difference. We are setting up a limited company in case this makes a dif
  4. Hi, I would like some advice regarding my consent to let property. Back in 2007 I bought my first property (bought for £106,000), it was a new build (off plan) one bedroom flat. In 2010 myself an my wife decided to buy a house together and due to not being able to sell the flat at a decent rate (valued at £85,000 - £97,000), decided to rent the flat out. The flat was changed from a 'residental mortage' to a 'consent to let mortgage' as The Norwich and Peterbough Building Society do not do 'buy to lets'. Since the crash of 2007 - 2008 I have expected the price to drop but gradually
  5. I bought a detached property, below market value, last year at £130k. I have a 75% LTV mortgage on a 3.75% two-year fix ending Dec 2016. I believe the property is worth in the region of £165-175k. What is the best way to get a better (60% LTV) mortgage? Any advice, as a first time landlord, is much appreciated. Thanks.
  6. Folks, I was wondering if any of you can help me. I am looking for a good mortgage broker that can help overseas clients like me. Usually on acquiring property in the UK from overseas the only product I can get my hands on are interest+principle and I typically have a choice of only one or two lender. I am looking for a lender willing to offer me interest only mortgage. LTV above 70/30 would also be great as I am right now limited to 60/40 at best. Would anyone have good recommendation? thanks in advance Antoine
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