Getting a loan for...

[Arsonist]

Hello all, thanks for the replies.

Just to clarify - I know that the government ISA bonus is only paid on completion and payment of the deposit. I also said I wanted to put £1200 in the ISA immediately. I didn't mean for it to just sit there, I will add the maximum amount to it each month going forward. It just means I will reach the 12k limit (qualifying for 3k bonus) in 55 months and not 60, so can potentially buy a house 5 months earlier. Maximising cash and all...

I also want a personal loan as it's much easier to deal with 'cash' than a credit card as this will be going on a few other small bits where a credit card might not help.

Cheers again for the help!

 

[mpj88]

Here's hoping you have a trick up your sleeve mpjj

I was wrong.

I thought I head from someone re the mortgage has to be less than 250k and when I first suggested this to our solicitors they didn't shut it down. But now confirmed we're not eligible...booooo! There goes a few grand to help us

 

[PinkPig]

We just bought a house for just over 250k. Very frustrating that we don't get any benefit from our HTB ISAs. In the South East just outside London you don't get much for 250k!

 

[Burned_Alive]

How exactly do you think Visa, Mastercard etc. should make money on their technology? It's their technology that the banks and merchants leverage so they should quite rightly charge for it.

And it's never anywhere near as much as those shops would make out. In fact the interchange fee (up to 70% of the 'card fee') was capped last year at 0.3% for card transactions. Well done the EU!

http://www.thisismoney.co.uk/money/...vote-cap-debit-credit-card-fees-0-2-cent.html

http://www.telegraph.co.uk/money/co...ines-still-charging-us-to-pay-by-credit-card/

It's fair to say that if any merchant is charging more than 1% fee for using a card then they are just doing it to put in their pocket. I believe it's also now not allowed to charge a fixed fee for card purchases. I also agree with the Telegraph article; merchants have a lot of outgoings that they don't charge the customer for, why do they charge separately for using a card?

I believe its also actually against Mastercard/Visa merchant Ts&Cs for the fee to be charged to the consumer., so they shouldn't really be doing it...

A technicality really as, if this was enforced, they would just put the price up for everyone and discount for cash I guess (or not at all).