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I'd be f***ing delighted with that!! I got a interest only mortgage at around 3.2% last year fixed for 2 years last summer, and I was over the moon with it. In fact I'd probably be delighted with 5-6% if I could fixed it long enough. Don't agree with rater going up in March though. I think...

Bloody hell, is this thread still going!!! Have house prices crashed yet? Is it impossible to get a mortgage yet? :hilton:

A Brookie?

Might have something to do with it

Why'd you say that. Stop feeling sorry for yourself man. I dont get any pleasure in seeing seeing anyone go though bad times, and I hope things turn out well for you. But I do get pleasure in having these debates, when the other side is getting grief from all sides, because they try and mix up...

Keep this post on file, and you will be able to use it in a year or so, by just changing a couple of letters around. Fair enough mate. I am retiring as a Solar Panel salesman now anyway :p

Prawn or BBQ pringles :drool: Can I come round yours and watch it!:drink:

Oh Oh. It looks like another nail has been hit squarely on its head!! As I said before, this is a good one for a couple of years, until people wise up to the fact they can make much more money by going the DIY route. But for the first year or so, salespeople will make it out to be the best...

Not a lot as you claimed you've stopped debating earlier on. :moo:

No just got the percentage wrong. LISTN UP FOR THE SECOND OR THIRD TIME I accpeted this that was not true. You ARE the one that clouded the debate, by answering a question, without pointing that fact out? So by saying it was not true that fraud had been committed was clouding the debate when it...

Now that is A game to get into. Abeit it one that will probably get harder and harder to earn from as the years go by, but certainly a bit of a cash cow in the early years, before people catch on to the fact they can make more money if they go DIY!! Sounds familiar?!?!

Yer didn't like that did he. I love it when you get into a debate, and the other side plays high and mighty, when you make a point they don't like they finish the debate. Classic! No relation to London Irish are you Uncle S?

Thank you for putting me right on that point, but if you are going to have a reasoned argument, its probably best not to answer someone with "not true" when they say that its fraud, just because they got the % of what people can borrow wrong. At the end of the day, if you couldn't borrow 100%...

You'd make a very good MP. You're very good at picking on general comments that may not be 100% accurate, and then twisting it to fit your own argument, whilst ignoring the wider point. As you have told us, you ouldn't get self certs 100% mortgages, so I would imagine on that basis very little...

You're just being picky now. Okay you could not get a 100% self cert. You could get a 90% self cert, so if you write down you earn 100k a year when you only earn 30k, is that fraud? As you well know, the point I am making is about the fraud, NOT whether or not you could only get 90 or 100% self...

No. If I was I would have never gone into an industry that was always only going to service a small amount of people, and as soon as the internet and those "money" sites came along I would have loked for a new career. When I started talking about looking for a mortgage, nearly everyone I spoke...

Why? So writing down that you earn 100k a year for example when you only earn 30k a year to obtain a loan is not fraud? What is it then?

Of course its not the whole reason, but it's part of the reason. Do enlighten us?

Exactly. When I got my mortgage, to get the best rate I could I had to put down a 25% deposit. In affordability terms, I'm quite lucky in that I could have had a 200% mortgage at least, and still been able to afford it comfortably now and in the future. But I had to put down a sizeable chuck as...

This is one of the most mature and interesting threads I think I've ever seen on NSC. Even more amazing considering I've taken part in it:lolol::thumbsup: