Hi Robert, you can book a free callback using the link ukmoneyman.com/get-started/?id=YT or alternatively you can email Dan directly at [email protected]

Yes, that sounds fine, would you like to have a conversation about how this works in practice?

There has been no announcement so far either way, but after Labour came to power in 1997 the discounts were capped in England in 1999

WHAT , IT IS NOT CLIMATE CHANGE THAT WILL CAUSE FOOD SHORTAGES IT IS THE WEFs AGENDA MILLIONS CATTLE BEEN SLAUGHTERD IN THE USA FARMERS FORCED TO SELL THEIR LAND OR TOLD TO STOP USING WATER FOR THEIR CORNWHEAT BARLEY OATS CROPS WE ARE DOING THE SAME IN UK AS IS FRANCE SPAIN SWEDEN HOLLAND ESPECIALLY / GOVERNMENT TAKEN MOST OF THEIR FARMING LAND STOPPED MEAT PRODUCTION BACON PIGS ETC WEF GLOBALISTS WANT 86 PERCENT OF THE POPULATION GONE BY 2045 THEY ARE GOING TO STARVE US MANY MILLIONS WILL DIE tHEY ARE BLAMING CLIMATE CHANGE BUT ARE USING CLOUD SEEDING WEATHER MANIPULATION TO ALTER THE WEATHER ALL AROUND THE WORLD GEOENGINEERING LOOK UP< HAARP.>. WEATHER DOES NOT JUST CHANGE LIKE THAT IT TAKES THOUDSANDS OF YEARS AND THEY ARE PLAYING AT BEING GODS CLAUSE SCHWAB

Do you work in building trade

Yes, any equity is free for you to use however you wish.

Hi Michael, It’s really between your partner and ex to negotiate. One way of working it out would be to calculate the equity by subtracting the outstanding mortgage balance from the value of the property, dividing it by 2, and then knocking off the deposit your partner put in initially. Hope that helps. Thanks Malcolm.

Hi, yes, this could be a possibility for you.

Hi, If you decide to leave the Armed Forces altogether and have a property which was purchased using FHTB and some or all of the loan is outstanding, you will only be allowed to leave if the FHTB has already been repaid in full or you have made acceptable arrangements to repay the FHTB in full prior to your leaving date. Please speak with your Unit HR Administrator about the repayment methods. One method of repayment may come from re-mortgaging the property and repaying the FHTB loan from the re-mortgage money. You cannot leave the Armed Forces and retain the FHTB loan, regardless of whether you are re-mortgaging or not. Your repayments will continue at the allotted rate until you leave. Thanks, Malcolm.

Hi, It is a legal matter this rather than one for us, but I would say nothing would really get in the way of a Lender taking possession of a property where mortgage payments have been missed, irrespective of what was agreed between you. I recommend you open dialogue with the Lender if you have not already done so about what you plan to do and seek legal advice. Thanks, Malcolm.

Hi, not with any of the lenders on our panel, sorry.

Sort of, can you book in for a call and we can explain - 0800 029 3757

Hi, this may well be possible but you would need to be able to satisfy the affordability assessment without your ex’s income.

@@MoneymanTV is it simply worth having a conversation with my mortgage provider (platform) and seing if they can do something for us both? We would both like to port the mortgage separately. As opposed to just one of use getting the rate we are currently on.

@@jrt123able Sure good idea, if they can’t help please feel free to get back in touch 🙂

Hi, I'm almost certain you will be yes 😊

@@MoneymanTV thanks, now i need to speak to the mortgage company despite not having any of the login details etc lol

You're on the deeds i.e. you legally part own the house, simple. She can sell all she likes, when it comes to the deed transfer you can stop the whole process dead in its' tracks, as you never consented in writing.

@@mirola73 I offered to buy her out. Her reply before I even got to that part was you can't make me move until our youngest is 18. I never mentioned making her do anything!. I literally said at some point we need to talk about the house. Guess she's just gonna make my life as hard as possible from now on. ( no different to when we were together tbh haha)

Hi Mike. It’s not a black and white answer, it can depend on the frequency and amounts of the transactions. For example, the odd lottery or football bet is usually fine, but higher and more frequent transactions can sometimes lead to a decline. It doesn't matter whether you are the first or second applicant.

Hi, yes you will still be eligible as the stamp duty is payable on completion.

Hi Nathan, no this should not have a negative impact when you come to apply for your mortgage. Many Thanks, Malcolm.

Hi Liam, I believe that it was always scheduled to be the 4th of August, with other confirmed MPC dates for 2022 as follows: Thursday 4 August Thursday 15 September Thursday 3 November Thursday 15 December You can keep track of future dates on the BOE website here: www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2022/august-2022 Hope that helps 🙂