Mortgage?

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R1chard

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Post by R1chard » Wed Sep 19, 2007 1:46 pm
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i was wondering which one of the posters does mortages? is it welshboy or sumone? if so any chance we can talk about me and my GF getting a mortgage with a gurantuer?
lots of payments to go.
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R1chard

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Post by R1chard » Wed Sep 19, 2007 1:51 pm
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i apologise for my grammer and spelling..... aint my strong point.
lots of payments to go.
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aguise

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Post by aguise » Wed Sep 19, 2007 2:54 pm
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Hi Richard you could speak to welshboy or Mikebdomain they should be able to advise.

Ang

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Please visit my blog at http://aguise.blogs.iva.co.uk/
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Welsh Boy

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Post by Welsh Boy » Wed Sep 19, 2007 3:06 pm
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Hello Richard

What would you like to know re mortgages, if you need any professional advice please let me know and please don`t take all you read on this site re mortgages as being totally correct. Tony
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R1chard

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Post by R1chard » Wed Sep 19, 2007 3:14 pm
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Well i rent at the mo - and want to buy a house, i didnt think it was possible while in an iva. but it would be with the gf and poss have a gurantuer and deposit?

is it possible?? i would be a first time buyer...

also - would i have to pay sky high rates? would i be better of letting the missus get the mortgage and me just living thier?
lots of payments to go.
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Welsh Boy

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Post by Welsh Boy » Wed Sep 19, 2007 3:27 pm
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Richard

You would need the permission of your IP, the fact that your in an IVA will not necessarily stop you getting a mortgage if the IVA is or has been "conducted satisfactorily". The rate will reflect your past credit/finance problems. I would check out what you are thinking of doing with your IP and go from there. I am not a qualified IP so don`t feel that I should be giving an opinion on their field of expertise re using a guarantor or using your girlfriend (I presume that is what you meant by gf). No you would not necessarily pay "sky high rates" but you would need a deposit and your first port of call should be your IP. Tony
F.P.C. 1,2,3 Qualified
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Whole of Market Mortgage Broker
Managing Director : Debt Advisory Bureau
Debt Advisory 4U
Principal : All Mortgage Products

Directly Authorised with FSA :304244
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R1chard

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Post by R1chard » Wed Sep 19, 2007 3:29 pm
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Cheers mate - i shall talk to them. oh and yes i ment girlfriend!
lots of payments to go.
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mikebdomain

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Post by mikebdomain » Wed Sep 19, 2007 3:53 pm
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Richard guarantor mortgages is not something that we undertake.

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