Mortgages Query - HotUKDeals
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Mortgages Query

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At the moment, how is the state of mortgages, How much are they lending percentage wise to the property's value? For example £100,000 flat/house etc. Because they used to lend the full 100%, …
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banned7y, 4m agoPosted 7 years, 4 months ago
At the moment, how is the state of mortgages,

How much are they lending percentage wise to the property's value?

For example £100,000 flat/house etc.

Because they used to lend the full 100%, but i pretty much doubt that is on the cards after the crisis?

Any help is really appreciated, and will rep people.

Regards
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Hamm Avatar
banned7y, 4m agoPosted 7 years, 4 months ago
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#1
Most are around the 75% mark, but I just looked at Nationwide who are doing a 90% rate if you have one of their current accounts:

http://www.nationwide.co.uk/NR/rdonlyres/85C54CCC-C374-47BC-8BFE-1A94EFC6CA02/0/10017_mortgage550x111.gif

http://www.nationwide.co.uk/mortgages/flexaccount-exclusives.htm
#2
85% is what to aim for if you are struggling. The best scenario is for 70% LTV or less, you will be paying the least monthly/overall if you can stretch to that
#3
we got 75% a 4.89%, 85% would have been 6%!!!
[mod]#4
I have a 75% at 3.25%. I got this the day before Nationwide pulled their trackers.
#5
I bought my house 2 months ago and had to put 15% towards at 4.99%, there was a couple of 10% ones I could of taken but the interest rates where pretty high. Your best bet is to speak to a whole of market mortgage broker, In the end these http://www.lcplc.co.uk/ got me the best deal and where brilliant from start to finish.

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