me and my partner want a morgage? are salarys together per annual is £29,000! could we get one and how much?
969437
maximum is usually 3.25 x joint salary although abbey have recently introduced 5 x. You will need to provide payslips/P60 as evidence of earnings. In theory you should be able to borrow anywhere between £94250 and £145000.\n\nYou could also do a self certified mortgage, where you simply tell them how much you want, and that you can afford it, no need to prove earnings that way, but don't be tempted to push things to far past the normal limits.\n\nYou will need a deposit as well, 10% is considered about normal, any less and you will end up paying an indemnity premium on top of the mortgage.\n\nTake a walk down to your bank and have an informal chat with them \n\nRemember your house is at risk if you do not keep up payments on a mortgage or other secured loans
936999
Well you could ask the Uni?  No, OK so u want to ask the ppl who know like nothing.\n\n You don't have to pay anything now as far as i am aware, they are like STUDENT LOANS in that they are paid for by THE STUDENT LOANS COMPANY and you start to repay them as soon as you are earning a minimum of £15000 (in teaching the starting wage is £18,000 & £21,000 in London). \n  Or if you wish you can pay them off yourself before the term starts.\n\n\n                      ************************************************\n                                 -------------------\n                                 EXCEPTIONS\n                                 -------------------\n\nIf you are a welsh resident and this course is not available in Wales then teh Welsh Assembly will pay for you to do this course (Top-up fees aren't applicable to Welsh students in Wales or Scottish Students in Scotland).\n\n                         *****************************************\n\nAlthough what with the lack of teachers you'd think the government would provide teaching bursaries, as it does nursing (when there aren't any jobs left b'cos all the health trusts are costcutting!!!).
874766
Try this online calculator may help!!\n\n\nhttp://www.bfinancialtools.co.uk/working-family-tax-credit-calculator.php
422191
try www.motleyfool.co.uk (uk) or .com(u.s) there are discussion forums you cant read for soem advisce & also you can ask questions, they also offer loads of usefull emilas from loans to investment sign up for their email newsletter once you have investigated the site & seen if it provides the info you are after..\nGood luck
1118908
Yup.  Keep the new 5%-discounted shares 12 months for a 5% more shares free dole-out to you, plus approx 4.5% dividend for the year (plus/minus the market change in that year - probably a big plus if the Abbey's flotation is anything to go by) adds up to a very attractive proposition indeed. Value could easily increase by 20% in the year, most building societies are paying less than \nabout 4.5% for instant access. Use your wife's money to buy if she isn't an income tax payer and you're even more quids-in. \nI got all this info from my missus, she's read the mailing before me..
637997
£68 a month? £14.50 a week? Are you living in a shoe-box? Come on! \nWhy aren't you getting Housing Benefit? Go to the CAB, Citizens' Advice Bureau and ask them to help. Contact Shelter.
800949
If you have lived together as man and wife you are entitled to a share of the family assets under British law\n\nIgnore your husband. Go to the CAB as a first step. They will be able to work out your entitlement to legal aid costs and give you a list of local family law solicitors.\n\nGood luck.
796237
The real answer to this question is going to be VERY subjective, meaning that its going to be different for every person. Because no two people have the exact same life situation or costs.\n\n**No! two people have the same life styles.\n\n**My own situation is un-usual as I have no debits, no morgage and extremely low overheads and I dont indulge in many luxergies but nor am I poor either, I dont smoke or drink and my biggest luxergies are a car, the internet and TV. So I can live on virtually nothing about £30-40 a week which for some people would be pin money or beer money or would be blown in a few minutes at a night club. See what I mean its all relative.\n\nIR
762848
Housing Benefit is means tested and as you say you are cohabiting your income will be taken into account in full for the purposes of calculating any Housing Benefit you may be entitled to.  As you say you cannot afford to pay the rent yourself, you may still be entitled to some Housing Benefit so it is probably a good idea for your partner to claim anyway.  You may also wish to check whether your partner is entitled to Contractual Sick Pay from his employer, or failing that, he is likely to be entitled to Statutory Sick Pay.  Other sickness/disability benefits may be available depending on your partners health.  Best of luck.
802183
You should check with some specialist interim agencies on this one. It will vary as you probably know. Shorter the term, higher the rate and vice versa. If you are operating as an interim (ltd company as example) you might also be able to negotiate expenses separately to your daily/weekly rate. This is not my area, but I reckon £500/day would be the minimum.\nTry http://www.uk.eim.com/
34339
Nothing in life that is worth anything is easy, but, if you earn twice the amount your payment would be on a mortgage, then this will make it fairly easy.\n\nStep 1) talk to your morgage broker and get prequalified for a 30 year fixed (Key word Fixed) rate with no money down. Use the money you have saved as working capital. 200,000 should be about 1400 a month + pmi + bs = roughly 1600 or so.\n\nIf you can handle this, then go for it\n\nI did it \n\n I bought a condo for 89,000 on this type of loan, and it wasn't that hard. I was a waiter 21 years old. Don't ask me what I just sold it for.\n\nGood luck ps if you are talking about whether or not the bank likes doing this, they love it. THey would buy you dinner and a beer to get you to do it. If you have a 660 score or above Caveat Caveat
300738
Adults: £8.95\nChildren: £6.95 \n\nUnder 4's £2.95\nOAP/Students: £7.95\n\nSo an adult and a child would be £15.90\n\nHope this helps.
1109680
Anyone offering to lend you 5X your joint income is a shark and you will pay more for the money than it is worth.  This is called Predatory Lending.\n\nThe old "rule of thumb"as that your total debt to income ratio should be no more than 36% of your monthly gross. There is a bit more flexibility now with the new automated underwriting systems.
670003
Not enough information - which country are you in?  When were you born?  Are you still working?  How much superannuation do you have?\n\nThese questions affect supperannuation in Australia.
840533
£25k pa gives the following monthly amounts:\n£2,083.33 gross, £344 tax and !183 NI.\n\nThis leaves you with a net salary of £1,556.33 received per month.\n\nPlease note that this assumes a tax code of 503L, ie no extra benefits or expenses or pension contributions in your PAYE code.
963593
The rate of interest will vary according to the type of account.\n\nIf you want instant access you will get a low rate. If you give notice (30/60/90 days) the rate will be higher. If you are able to tie the money up (1 year/2 year or more bonds) the rate will be even higher. This is due to the provider being able to to use the money to get higher returns if it knows it will be with them for longer. If you are a tax payer be sure to ask for the net rate (tax paid).\n\nRates can also vary by the amount invested i.e tiered so that a higher balance earns more than a low balance.\n\nIf you don't have an ISA, then these are usually higher rates than standard accounts and tax free. There are restrictions on the amount that can be invested though.\n\nAlliance and Leicester have just introduced a 12.0% regular saver account. This is the highest rate on the high street for regular savings between £10 and £250 per month.\n\nBeware though, if you pay in £50pm then you will earn interest on £50 in month one (1/12 X £50 X 12% = £0.50). The interest will get more as the months progress as it is calculated daily. You may be better off paying in the full £600 into an ISA.\n\nHope this helps.
767643
I went directly through the building society, and the fee was £400. My solicitors fee is also around £400, but that doesn't include any of the searches (which whacks it all up to £1000ish).\n\nI think the £2500 sounds a bit steep, when we had a look through independent advisers I think the fees were more like £1000.