Ogonsbaba:


I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA account? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!

Ogonsbaba:


I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA account? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!

Ogonsbaba:


I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA account? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!

Stevepop:


My LISA is with moneybox, and no issues at all. Just downloaded the app and follow the instruction.

Amazoner01:
Just curious. How do Barclays verify this 2 years requirement? Would it be via credit history or travel history.

Pearlyfaze:


With your BRP and Address History.

elengine:
Two questions my ogas here please:

1. For mortgage purpose, I want to switch my current account which is also my salary account from Lyold to Barclays. Is it okay because I haven't seen anyone here saying he got mortgage from Lloyd.

Makes no difference because you don't need to have an account with a lender before they offer you a mortgage. If you'll be applying for the mortgage soon, try as much as possible to avoid any activity such as current account switch that will result in a hard search. Also, the older your account the better for your credit profile so even if you are going to switch don't switch from your main account rather open another current account (not all banks do this, so check out for the ones that do), put at least 2 DD on it and switch.

2. Can I still open a LISA account at 40 something age?

No, you can only open one on or before your 40th birthday.

Thank you

elengine:
Two questions my ogas here please:

1. For mortgage purpose, I want to switch my current account which is also my salary account from Lyold to Barclays. Is it okay because I haven't seen anyone here saying he got mortgage from Lloyd.

2. Can I still open a LISA account at 40 something age?

Thank you

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

080bjaked:


Huge congratulations. You've also stayed beyond 2 years right?

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week.

Grateful to everyone for the invaluable comments and advice.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Solumtoya:
Finally Completed, Keys in my hands.

Found the property in September and reserved. Completed in December.

Barclays 2 year fixed at 5.53%, 12% deposit and 2-year residence in UK.

God has been very kind.

Thanks to all for the beautiful contributions here and especially to Lexus and Ticha for reminding us this is doable and should be done.

Will share my lessons learnt ASAP.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Tolzeal:
Congratulations to everyone.

Can you please new owners help us with more details .

- Like Area of purchase.
- Average price.
- Average deposit.

That would come handy.
Thanks