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SARA | First Time Buyer Mortgage? |
hiya me and my boyfriend is looking to get a first time 110% mortgage does anybody no of any cheap lenders ??
we both dont have any ccj's etc.
looking to by a new build like off persimmon homes or something because my boyfriend works for persimmon homes and he gets about 5 - 7.5% off the price !
please help as i dont no where to start lol
much appreciated
Vanessa x |
 |
 
Bone
|
I would say your best bet is to see a mortgage advisor, otherwise you will need to do an awful lot of research yourself. An advisor can suggest the best one for you, based on your outgoings and income. Getting a 110% mortgage though will not necesarily get you the best deal. The more money you can put down as a deposit the better, so maybe you'll need to save for a while. |
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Christiane
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110% mortgage? No way...Please do yourself a huge favor and save your money for a few years. When you have enough for a 20% down payment consider buying a home. Remember that it is not just about getting into the house but also being able to afford it once you are there. Build a reserve savings for maintenance and repairs.
Read the headlines about the people who did what you are considering doing and now they are facing bankruptcy, foreclosures and worse.
Don't be foolish... |
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Laura M
 |
Find a reccomended mortgage broker. Ask neighbours and friend and family who they use.
Me and my partner have just used one who had no fees and he got us exactly what we needed we needed to borrow more than what we needed to pay off some debt.
So ask around if the same name comes up more than once go for it. |
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lepr0kan
 |
When purchasing you can only get a mortgage for the purchase price, there's no such thing as 110% financing. If your boyfriends employer will be building the house they can give you some of the discount in the form of a seller concession so you can get some cash at closing, but normally that is limited to a certain percentage of the purchase price, depending on the state normally it's about 5%. Also 100% financing is very hard to come by nowadays and you'll need excellent credit and assets. Perhaps you should save some and purchase in a year or so when you'll be able to have a down payment you can get a lower interest rate. Besides if you need to finance more than your buying the new home for you probably should not be buying a house right now, wait until you're more financially stable. |
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rshampshire
 |
With the state of turmoil that the financial sector is currently in I would be VERY cautious of getting a 110% mortgage. If for any reason you had to sell the house in the near future you are relying on it increasing in value by 10% in order to pay back what you owe to the lender. If the house doesn't fetch enough to cover the amount loaned you are still liable to pay back the difference.
Also remember that most lenders charge a higher lending fee for mortgages above 90% of the house value (some above 75%).
If your totally set on the idea then take a look at www.moneysupermarket.co.uk and just fill out the comparison forms. |
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Salinah
|
See a mortgage adviser and shop around. |
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Richard P
|
Scottish Widows offer a 110% mortgage for professionals.
http://www.scottishwidows.co.uk/bank/mortgages/prof_intro.html
but, there is no guarantee this will be best solution. Check a mortgage comparison site. If you could save a small deposit, you would get a much better deal. |
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michael p
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first things first you need someone to take your application to see what you can afford and whaqt kinds of programs out there... the rates just dropped if you didnt already know and lenders are bringing back some really good programs... if your interested please feel free to reply and i can get you on your way |
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matsonb
|
110% mortgage? who offers those? if you're in a market with declining values, this program is probably not available to you. If your credit is good, go for 100% financing and get 3% seller help towards your closing costs. http://www.choicefinance.net/ |
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claireg_uk
 |
Sometimes new builds have deals on deposits/stamp duties/solicitor fees. You'll have to get an appointment with an independant financial advisor to have a look at affordability, if you're looking for a 110% mortgage are you sure you can afford it?! You'll need at least £3000 for solicitors, stamp duty and moving costs, have you looked at Part Ownership schemes?
Intelligent Finance are a good Mortgage lender but at the end of the day they're all pretty similar...where one may charge a higher lending fee, one may charge a high exit fee. It's too big a subject to get answers fom here. |
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uaeoffplan
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As stated by other people, most builders will pay every thing for you 5% deposit, stamp duty, legal fee's etc then you will onlyu have a 95% mortgage so if the market slumps and you really need to sell for some reason you have a 5% buffer at 110% your in negative equity and have to find this money.
Hope this helps |
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