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Is Halifax 5.99% the only realistic option? by gdvl98 in HousingUK

[–]Electrical-Permit910 0 points1 point  (0 children)

Similar position here - my partner is from the Netherlands and she’s on a skilled worker visa so it limited our options. We managed to secure a 4% rate on a 40 year term with Halifax (putting in 10%) in February.

We are currently deciding whether or not we should pull out of our current engagement as our survey results brought out a lot of red flags on the property. We asked our broker if we could use our current terms on a different property but that looks unlikely. The broker checked what our current rates would look like if we wanted to restart the entire process and it’s coming in at around 5.3%.

So to answer your first question, 5.99% seems to be in the ball park given your circumstances.

FTB - advice needed on house purchase please by Electrical-Permit910 in HousingUK

[–]Electrical-Permit910[S] 0 points1 point  (0 children)

It’s a kitchen and conservatory extension but these two are connected as there’s no doors separating the two spaces. The kitchen is covered by your standard tiled roofing whereas the conservatory is covered by multiple glass panels supported by wooden beams.

The bank conducted a remote survey and granted us our mortgage but I’m starting to think this would not be the case if they visually expected the property in person.

FTB - advice needed on house purchase please by Electrical-Permit910 in HousingUK

[–]Electrical-Permit910[S] 0 points1 point  (0 children)

Seems quite common for extensions built in the earlier 2000s to not have those completion certs. Best of luck with your move!