Unbiased.co.uk features as a Knowledge Partner on Yahoo! Answers. The Knowledge Partner programme is a way for organisations to share their specialised knowledge and directly engage with the Yahoo! Answers community. Unbiased.co.uk’s ‘find a mortgage adviser’ search has brought a panel of specially selected whole of market mortgage advisers together on Yahoo! Answers to help answer some of your mortgage and house buying questions.

Do you have to be a certain age to get a mortgage?

Asked by Jeni D - 1 year ago

Yes you have to be 18. Disclaimer: The answers above are for guidance only and should not be acted upon without you receiving professional mortgage advice relevant to your circumstances. To find an independent mortgage adviser please go to http://www.unbiased.co.uk

How difficult is it to get a mortgage whilst on benefits?

Asked by Jeni D - 1 year ago

Given the current credit market and the tight lending requirements, this would be very difficult. Whist there are lenders that do consider benefits, their requirements change on a daily basis. Disclaimer: The answers above are for guidance only and should not...

What are the different types of mortgages you can get?

Asked by Garry H - 1 year ago

A very broad question but there is 2 main elements to this – types of repayment and types of interest rate. For repayment, you can have interest only (like minimum payment on a credit card) and invest in another investment...

What are the best ways to save for a mortgage?

Asked by Rowan Mead - 1 year ago

1) Cut back on unnecessary expenditure 2) Try to budget and save a set amount each month 3) Use your Cash ISA limit...

Is there a limit on how many mortgages you can have with a bank?

Asked by Jeni D - 1 year ago

Whilst there are no limits as to the number of mortgages you can have, your borrowing limits and the number of mortgages you can have, will be determined by a lender and your financial circumstances. One of which will...

What is the role of a mortgage adviser? And how much do they cost?

Asked by Garry H - 1 year ago

The costs of mortgage advisers varies and is outlined upfront. This may depend on the level of service you require as some advisers will simply find you the cheapest rate for your circumstances but others will help you...

What would happen to my mortgage if my bank was to go bankrupt?

Asked by Rowan Mead - 1 year ago

Your house would be free! If only. In practice this would make little difference to you. The rates on offer to you as an existing borrower may be affected, as thousands of borrowers have discovered. Disclaimer: The answers...

What is a sub prime mortgage?

Asked by Rachel Meadows - 1 year ago

This is a type of mortgage designed to be offered to people with some forms of adverse credit. Since the credit crunch there are not as many of these types of mortgages available and you need to speak with an...

Best answerI'm an overseas investor, are there mortgage lenders based in the UK that specialise in this?

Asked by Caroline - 1 year ago

If you are wishing to buy residential property in the UK for either residential or Buy To Let purposes it is possible to obtain a mortgage in the UK. There are a number of high street banks who have an...

can i rent a property that is still under a mortgage?

Asked by Ben D - 1 year ago

Your Mother needs to contact her lender and explain the situation. Normally she would need to ask for consent to let from her lender. However because you are a direct family member they may not deem this necessary. If she...

Best answerUK only please. Is there an independant body who oversee Estate Agents?

Asked by myfavouritelucy - 1 year ago

Yes, of sorts and please find their details here - http://www.tpos.co.uk/ Disclaimer: The answers above are for guidance only and should not be acted upon without you receiving professional mortgage advice relevant to your circumstances. To find an independent mortgage...

Mortgage protection insurance - changing jobs/ changing policies?

Asked by Nicholas C - 1 year ago

Insurers do reject applications from employees of companies who have made redundancy announcements, so you may not be able to switch provider. Keeping your existing policy makes sense. If you get anew job, you can reassess then. Disclaimer: The...

if i living in own house and want to rent one room for somebody - do i have to pay tax from incomes?

Asked by Martin Z - 1 year ago

If you already have a lodger or are thinking about letting furnished rooms in your home, you can receive up to £4,250 a year tax-free (£2,125 if letting jointly). This is known as the Rent a Room scheme....

Is there a legal document I can use against my title deeds!?

Asked by Angela Mcilroy - 1 year ago

No, as this will affect the lenders security irreparably. Disclaimer: The answers above are for guidance only and should not be acted upon without you receiving professional mortgage advice relevant to your circumstances. To find an independent mortgage adviser please...

Paid off mortgage on my home, what type of mortgage to buy second property?

Asked by VSWS - 1 year ago

If you are looking to purchase the whole property freehold with the shop included, it would have to be on a Commercial basis. Disclaimer: The answers above are for guidance only and should not be acted upon without you receiving professional...

First time flat/house buyer?

Asked by Christine - 1 year ago

The Financial Services Authority, who regulate the mortgage market, has a very good website that will give you a start on the mortgage basics - http://www.moneymadeclear.org.uk/hubs/home_mortgages.html Disclaimer: The answers above are for guidance only and should not be acted upon without...

Best answerMortgage Advice PLease?

Asked by Booth UK - 1 year ago

You would like to borrow around 3.5 times your joint salary. As long as you do not have any other significant financial commitments such as bank loans or large credit card balances then this is well within normal...

Can I rent a flat for my daughter to live in?

Asked by Vagabonda - 1 year ago

Many Landlords will allow you to act as “Guarantor” for your daughters rent. As long as you pass any required credit checks and can prove sufficient disposable income to service the rent then I don’t see there being...

where can i find out when my home was built, for insurance purposes. uk?

Asked by magic - 1 year ago

You can check this with the Land Registry, or it should be on the deeds to your property which may be with your lender or your own safekeeping if you do not have a mortgage or loan secure on...

Best answerCan I rent my house out to my Dad and buy another?

Asked by Samantha Bailey - 1 year ago

You cannot switch your mortgage to a “Buy to Let” if you are renting to a member of your family. If you were to rent to your Father then the house would then be treated as a “second...

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