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“ Look at the Halifax's lending criteria. "The Bankruptcy question should be answered as yes if your customer has had a bankruptcy/IVA/Debt Management Arrangement or Debt Relief Order within the last 6 years or still have an outstanding Bankruptcy Restriction Order" Doesn't say they...

“ Funny how these posts crop up from time to time from new forum members. Must be quiet. <a href="/showthread.php?p=71833398#post71833398" rel="nofollow" title="View original post">Originally posted</a> by Thrugelmir ” Don't know what the panic is, it is always quiet at this time of year.

“ . Am I right to be concerned? <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=72178624#post72178624" rel="nofollow" title="View original post">Originally posted</a> by BudgetTheHelicopter ” About the area, or about being beholden to the in laws and your girlfriend no...

You don't make these decisions with mathematics.



Fixed rates are about security and fixed term is about balance between security and economy.



Second guessing what is going to happen to rates is a dangerous game as many existing borrowers will witness.

“ Do bear in mind that lending criteria and conditions may well be different in two years. It's all well getting an idea of what you'd get now, but do bear in mind things may be different in 2 years. <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=72179023#post72179023" rel=...

“ I would agree it's not advisable to borrow for a mortage deposit however it is possible providing repayments are factored into affordibilty. There are lenders who accept deposits in the form of a loan including a couple of high street banks. I'm not sure if this applies to credit card borro...

The first thing he needs to do is get realistic. A business with a turnover of £70,000 is not going to support a purchase with minimal deposit on a £380,000 property. His wife probably need to be on the application due to tax credits and child benefit. Being self-employed he can give himself some ...

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