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	<title>News &#38; Views &#187; Ask An Expert</title>
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		<title>Ask An Expert: Will Banks accept dividends and low salary for mortgage purposes?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-will-banks-accept-dividends-and-low-salary-for-mortgage-purposes</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-will-banks-accept-dividends-and-low-salary-for-mortgage-purposes#comments</comments>
		<pubDate>Wed, 11 Jan 2012 10:02:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=1205</guid>
		<description><![CDATA[Q: Myself and husband are sole owners of my company. Me 75% share holder. I take the minimum dividends to keep personal tax low. I have a property which I  am selling at £800,000 and I wish to buy another at £1,1950,00. I have a mortgage at £315,000.
The company is due to have gross turnover [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ask an expert: Can I get an interest only mortgage?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-can-i-get-an-interest-only-mortgage</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-can-i-get-an-interest-only-mortgage#comments</comments>
		<pubDate>Tue, 16 Aug 2011 07:14:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=1059</guid>
		<description><![CDATA[Monday 15 August 2011
Q: Hi, I have a property in London with about 25% equity (£110K). I want to keep it and move to Yorkshire. I need a mortgage on interest only (as I am in sales and 6 monthly bonuses) for £666K on property valued at £895K but purchase price agreed is £835K with [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ask An Expert: Is it possible to find a mortgage product which includes rental income?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-is-it-possible-to-find-a-mortgage-product-which-includes-rental-income</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-is-it-possible-to-find-a-mortgage-product-which-includes-rental-income#comments</comments>
		<pubDate>Thu, 09 Jun 2011 16:35:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=911</guid>
		<description><![CDATA[Q: Is it possible to find a mortgage product which includes rental income?

A: I assume you are referring to affordability for a mortgage on your main residence, but would like rental income from a Buy to Let investment property to be taken into consideration regarding maximum borrowing &#8211; I am pleased to confirm that this [...]]]></description>
		<wfw:commentRss>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-is-it-possible-to-find-a-mortgage-product-which-includes-rental-income/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ask An Expert: Is it possible to switch mortgage half way through a five year fixed?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-is-it-possible-to-switch-mortgage-half-way-through-a-five-year-fixed</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-is-it-possible-to-switch-mortgage-half-way-through-a-five-year-fixed#comments</comments>
		<pubDate>Tue, 07 Jun 2011 16:47:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=903</guid>
		<description><![CDATA[Q: We are currently half way through a fixed 5 year Vendor Gifted Deposit mortagage from the Halifax. Our House buy went through at 77,000 however are mortgage was for 69,000 as 10% was recognised as our deposit by the bank. After the fixed 5 years at 7.45% interest rate, the rate drops to base [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ask An Expert: Can I re-mortgage with a high loan to value?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-can-i-re-mortgage-with-a-high-loan-to-value</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-can-i-re-mortgage-with-a-high-loan-to-value#comments</comments>
		<pubDate>Fri, 08 Apr 2011 14:38:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=825</guid>
		<description><![CDATA[Q: I have a 2 bed lower ground floor flat in SW7 (South Kensington). Value approx £700,000. Outstanding mortgage approx £540,000. Current interest rate 5.0%. I wanted to remortgage if there is any better rate. I would like to borrow £570,000. I have a clean credit history. I am self employed thus a bit problematic [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ask An Expert: I have five flats in a residential development and I want to re-mortgage?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-have-five-flats-in-a-residential-development-and-i-want-to-re-mortgage</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-have-five-flats-in-a-residential-development-and-i-want-to-re-mortgage#comments</comments>
		<pubDate>Fri, 25 Feb 2011 12:50:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=803</guid>
		<description><![CDATA[Q: I have five flats in a residential development. The five flats generate rental income approx £105,000 per annum. With no agent fees. The value is £2,300,000 We have a interest only mortgage of £1,060&#8242;000 tracker at 1.8% above libor.
We also have a house which we live in valued £2,500,000 with a £1,500,000 interest only mortgage. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Ask An Expert: I am looking for a 65% mortgage on a property worth £995K ?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-am-looking-for-a-65-mortgage-on-a-property-worth-995k</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-am-looking-for-a-65-mortgage-on-a-property-worth-995k#comments</comments>
		<pubDate>Mon, 21 Feb 2011 17:14:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=788</guid>
		<description><![CDATA[Q. I am looking for a 65% mortgage on a property worth £995K and I need to proceed quickly. I am self employed with an asset of £3m with a current debt of £1.1m.The net profit last year was £93k (£117k excluding depreciation of £24k). Can you assist with this? Many thanks.

A. Thanks for your [...]]]></description>
		<wfw:commentRss>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-am-looking-for-a-65-mortgage-on-a-property-worth-995k/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Ask An Expert: I have a £400k deposit and want to borrow £1.2 &#8211; 1.3m, is this possible?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-have-a-400k-deposit-and-want-to-borrow-1-2-1-3m-is-this-possible</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-have-a-400k-deposit-and-want-to-borrow-1-2-1-3m-is-this-possible#comments</comments>
		<pubDate>Mon, 17 Jan 2011 11:31:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=738</guid>
		<description><![CDATA[Q: I have a £400k deposit and want to borrow £1.2 &#8211; 1.3m, is this possible?
A: Yes, if you&#8217;re putting £400,000 deposit into a purchase for £1,300,000, then it comprises a deposit of 31% of the price. Because the lending is below £1,000,000, then we could look to both high street lenders and private banks. 
Some [...]]]></description>
		<wfw:commentRss>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-i-have-a-400k-deposit-and-want-to-borrow-1-2-1-3m-is-this-possible/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Ask An Expert: Are there any lenders that look at your overall equity on several properties as the LTV for your main home?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-are-there-any-lenders-that-look-at-your-overall-equity-on-several-properties-as-the-ltv-for-your-main-home</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-are-there-any-lenders-that-look-at-your-overall-equity-on-several-properties-as-the-ltv-for-your-main-home#comments</comments>
		<pubDate>Tue, 30 Nov 2010 15:18:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=639</guid>
		<description><![CDATA[Q: I currently have a large mortgage of £320,000 on my main home ( value £400,000 ). I have a second property in the UK with no mortgage, which i bought with my parents and is held in trust for me ( value £120,000 ). I have 2 properties in bulgaria with no mortgages ( [...]]]></description>
		<wfw:commentRss>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-are-there-any-lenders-that-look-at-your-overall-equity-on-several-properties-as-the-ltv-for-your-main-home/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Ask An Expert: If my 100% mortgage scheme is coming to an end, should I use my savings to reduce my mortgage loan amount?</title>
		<link>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-if-my-100-mortgage-scheme-is-coming-to-an-end-should-i-use-my-savings-to-reduce-my-mortgage-loan-amount</link>
		<comments>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-if-my-100-mortgage-scheme-is-coming-to-an-end-should-i-use-my-savings-to-reduce-my-mortgage-loan-amount#comments</comments>
		<pubDate>Wed, 27 Oct 2010 14:42:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Ask An Expert]]></category>

		<guid isPermaLink="false">http://www.largemortgageloans.co.uk/newsandviews/?p=592</guid>
		<description><![CDATA[Q: We took out a 100% mortgage in April 2008 (just before the products were withdrawn from the market) and I belive the property value has retained its purchase price due to its location &#8211; which is around £378k.
We have now moved from the fixed to tracker rate (C&#38;G) and so whilst our repayments have [...]]]></description>
		<wfw:commentRss>http://www.largemortgageloans.co.uk/newsandviews/ask-an-expert-if-my-100-mortgage-scheme-is-coming-to-an-end-should-i-use-my-savings-to-reduce-my-mortgage-loan-amount/feed</wfw:commentRss>
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