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“ Thanks for the advice. Everybody who i have spoken to previously, who currently has to complete a tax return, says it has been a nightmare, but perhaps they are not as astute as your goodself. I appreciate that it may not be as difficult as i am imagining, but its not quite as straightforwa...

“ Hi, I am renting a property to a dependent family member at below market value. In fact the rent just covers the mortgage and insurance. We are not doing it as a business, just helping them out. Should we be declaring it and will be liable for tax! Any advice greatly appreciated. <a href="/...

Late payment over 12 months ago will be fine don't worry about that one. The loans you have outstanding will affect the amount you can borrow. You'll be close to the limits but it might be possible. Personally, I would repay the loans you have outstanding but you do need a minimum of a 10% deposit t...

“ Thankyou for your wise words. When we enquired about splitting the BTL's the mortgage company wouldn't do it but that was a while back now so could have changed. My husband has life insurance which covers the full mortgage in the event of.....he also made a will so we kind of stuck our head...

Why doesn't your husband do a deal in which he takes one of the BTL's and his ex-wife takes the other BTL property? I think that would the easiest way...and it would get his ex out of his current financial affairs. You do know that if he were to die tomorrow the houses he owns being in joint ownersh...

“ Hi All, I was sure this question must have been asked before, but thread trawling turned up nothing exactly like what I'm after so I'm hoping the financial guys here might be able to assist. As a company director, I pay myself in the time honoured basic pay plus dividends manner. I am looki...

What would they really do? As soon as you pay them off you can take out a balance transfer the next day and increase the credit card to it's maximum level. There is no requirement to close the account....just pay it off. Borrow the money from your family then and as soon as you've completed do a bal...

“ Ok thank you! I must admit you've lost me slightly - what is standard variable rate? I am completely lost in a big ocean of mortgage talk at the moment and don't understand a word of it! <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=70095201#post70095201" rel="nofollow" ...

“ I used a mortgage calculator and it wasn't that high? I was expecting around £700 a month! <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=70095138#post70095138" rel="nofollow" title="View original post">Originally posted</a> by 2iggy ” That's with the introductory ...

“ Yes there's both of us applying - we have a deposit of 20%. We currently rent but we only have this contract and then we need to be out, we rent in Oxford and it's quite expensive so were hoping to move to a cheaper area and stop spending more money on rent than we would a mortgage...We hav...

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