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Mortgage/repossession/declaration of trust
Before I write an essay..are there any posters with experience on the above?
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fix coming to an end - do I stay or do I go?
Hi all, My 5 year fix is coming to end with HSBC and the rates they are offering are around 4.19% with no fee but, after looking at the MSE comparison, there are several places that can beat that with the best rate being 4.08% with no fee (or practically no fee -- it says its £35).. My question is would HSBC match that to…
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Building Society prematurely ending mortgage
I have a discounted offset mortgage that is due to end in 2031. Our savings almost match our mortgage, but we want to keep that pot for easy access, should it be needed. Last month, we received a letter from our building society telling us that they were withdrawing that product and would switch us to an SVR mortgage with…
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Help picking mortgage fee or no fee
Hello, I’m struggling to compare these two mortgages. I have 164k remaining and wanted a 2 year fix as likely to move in the second year. I can get 3.85% with a £995 fee or 4.19 with no fee. Which would be the best choice considering will have to add the fee to the mortgage. After two years would want to have cleared the…
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Mortguage Whilst in DMP
Is it possible to get a mrotguage whilst in a DMP? Debts are over y6 years old and not on credit file. If I decided to manage the creditors myself, and leave PayPlan Technically would no long be in a DMP, but still paying the low amount each month to keep court action away. But would any lenders ask about any debt…
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Moving abroad - existing mortgage
I have a residential mortgage with Santander with consent to let as the house is rented out. The consent to let runs until my fixed term ends in summer 2027. I am considering moving to Spain via my current employer for 2026. I’m not sure how long for but I would become a Spanish tax resident. Would that mean I wouldn’t be…
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Mortgage broker - ask me anything
Thought I would start a thread where people can ask the brokers opinion on things @ACG @LRmortgage @kingstreet @Deleted_User (any other brokers want to chip in - these were the main other brokers who came to mind. It is definately an interesting market - probably the busiest I have ever been but at the same time lenders…
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Nationwide DIP - Likely to change much when bills taken into account?
We are early stages and looking to sell our flat and move into a small house, we have a DIP in place, and entered all the usual questions they ask. They did not touch on the cost of council tax, electricity, food shopping ect. We cannot get a mortgage appointment online until we have a buyer and have found a new home -…
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Can I use my LISA to buy into my partners home?
Posting on here because I haven't been able to find an answer elsewhere. I started a LISA quite a few years ago now which is now a fairly sizeable amount of money. In the last few years, I have met my partner who already owns a home, I have moved in, and I'm no longer looking to buy my own place right now. When we do move,…
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Unregulated pre 2004 current mortgage
We currently have a mortgage taken out in March 2004. Recently we tried to go to the financial services compensation scheme about it being miss sold by the broker. They could not help us as the mortgage was pre regulation. We complained to the Financial Ombudsman and it is outside of their jurisdiction they cannot help.…
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Sprive App?
I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance!
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Am I expecting too much from broker? Mortgage application with Aldermore
Applied for a mortgage with Aldermore via a broker on 18th September. Documents submitted, valuation carried out, latest bank statements requested 3rd October. Was told we could expect and update or an offer on Monday 13th October but we didn't hear anything from the broker. I called yesterday to be told they don't have an…
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Self employed small income and mortgages.
I’m 33 and have been a self employed gardener for around seven years. I currently live at home still with my father after a number of personal problems in our family I stayed at the family home. I earn around on average 12k per year from my gardening business which has been fine for me up until now. I love my job and am…
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Adverse credit Mortgage application
I had previously posted this in a debt thread and was advised to post here also so apologies for the duplication. I entered a DMP in June 2020 with £25000 debt. Never missed a scheduled payment. Although it will fall off of my credit file next year, payments are predicted to last another 5 years. Between us, my partner (no…
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Prepping for mortgage application
Hey! We are applying for a mortgage hopefully in the next couple of months and I've been trying to get sorted best I can, pay things off etc. we have made a few mistakes in the past and so our credit is average and therefore our broker has said Kensington or Kent will be the best options for us. i really don't want it to…
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Non Standard Construction Remortgage
Hi all :) i'm a few months away from my first remortgage and wonder if non standard construction houses (ex-council concrete build) are acceptable to many high street lenders for remortgaging? Current mortgage is with Aldermore due to a CCJ on file at the time but that has since dropped off and my credit file is very good…
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The Mortgage Lender - TML Process
Hi Everyone newbie here. Im wondering if anyone has had any recent experiences with The Mortgage Lender. My MB done a dip which was approved then submitted full application straight away he advised this went straight to refer which I thought was strange. It came back yesterday with happy to proceed and I was told I will be…
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TML / The Mortgage Lender - Experiences, Timescales, General Help
Good evening all, I'm trying to find out some information on TML (The Mortgage Lender) as we have just submitted an application with them via our Broker. We have previously been declined by Aldermore for the same loan amount and broker's advised up to try TML. Can any of the MA's on here (or anyone with experience of using…
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stamp duty question regarding the £40k threshold
Stamp Duty in Scotland This site doesn't seem to take the £40k off the calculation. I put in a £140k house as a 2nd home, expecting it to calculate the 8% stamp duty off £100k therefore being £8k. but it comes back with £11,200. Why is this?
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The mortgage lender - TML
Hi wondering if anyone else has had a mortgage with the mortgage lender there seems to be very little threads about them Full application went in 9th December all fees paid etc since then apart from one question regarding a direct debit there has been nothing Just a bit anxious as when the application went in there site…
