-
BTL offer conditions
Hi all need some advice and clarification for below from Precise Bank for BTL thank you Section 9Flexible features.You do not have the right to transfer this loan to another lender or property.
-
Barclays 4.3% 2 Year Fixed Very Good Deal
All dropped today
-
Nationwide DIP accept
Hi all, FTB here, only a few days in and already stressed to the eyeballs. I got my DIP with nationwide and had an offer accepted on a house on Tues eve. Eagerly called Nationwide on Weds morn to progress my application, she went through my details with me and said ‘oh it’s gone to head office, you’ll get a decision within…
-
new mortgage vs porting mortgage
can anyone clarify: -if i buy a house i need proof of income for a mortgage-if i already have a mortgage and payments up to date, can i port the mortgage to another property without all the income checks i did to get the mortgage in the first place?
-
Mortgage after bankruptcy
Hi all, I was discharged at 6 months from bankruptcy in 2009. Fast forward to now, and I have a good credit rating 855 when I went on Check my File. Everything else is in order. I wonder whether a 14 year old bankruptcy will affect me getting a mortgage. Has anyone else been successful in getting a mortgage after being…
-
Unenforceable debt and a mortgage application
Hello, Hoping someone will be able to give me the answer, I am back in the process of applying for a mortgage, the house I was trying to purchase a few months back was taken off the market. I had a debt from a credit card with something around £4000 remaining, it was sold to Pra debt purchasers, I done the cca request a…
-
Paying off halifax mortgage issues
I was given a redemption letter to pay off mortgage. I started making payments via online banking over 4 days to pay the total off. I phoned to check balance before I made last final payment and the advisor said he would cancel my direct debit payments to. The letter I had advised against cancelling direct debit. Now my…
-
conveyancing instruction form
Stupidly signed a conveyancing instruction form on Monday for the purchase of a property we've had an offer accepted on. On further research and many bad reviews later, we want to use a different solicitor. We haven't heard back yet and haven't paid anything but did sign the form. What would be our chances of switching…
-
Mortgage application confusion
We’re hoping to move and applied for a mortgage via a mortgage broker. Sent all supporting documents and were told we’d hear back this week. We did, today and we’re told via the broker that they could offer £3k less than we applied for, but would like x2 further pay slips from my bank work and it may increase the amount…
-
Paying off Interest Only Mortgage issues
We have an interest only mortgage due to be paid off by my 65th birthday next year in November. Our intention was to sell a rental property we own to cover the mortgage. Sadly selling said property the buyer pulled out after about 3 months with the latest batch of interest rate rises. So to get some income back we have let…
-
Can I move out and keep my fixed rate
hi, I am currently 5 years into a 10 year fix. This is the only property I own. I want to buy a bigger place. Will I be allowed to rent out my current property without interrupting my 10 year fix? thank you
-
Credit card to pay off help to buy
Hi all is it possible to use a credit card to pay off what is remaining on a help to buy loan? Thank you
-
Mortgage broker disappeared
I need some advice , my mortgage broker submitted my application with bluestone mortgages on 7/2/23. The last update from him was on 27/2/23 and he told us that the application was still with underwriter. we have tried to call him and email him , no answer. I called Bluestone mortgages but they said they can’t discuss the…
-
commercial mortgage on land
hi. am new to this forum,wanted some advice am selling my house to buy some land and barn i have most off the money but need to borrow 50k i thought this would also help my buiness i sent up a year ago. i was told to go for a loan or commerical mortgagae not sure where to start?
-
Aviva - Endowment Delay Excuse
Can anyone help please, we have been trying to get aviva to pay our endowment policy for the last three years. they gave us every excuse possible then never rang us back we then went to to ombudsman who have fined them twice for not payment but we still haven’t received a penny. so the policy matured years ago. can we take…
-
First time buyer help with mortgage
Hi My daughter is looking to buy her first home and recently enquired at her bank, TSB, about a mortgage. She was told she would be accepted but would need a 15% deposit, her brother was recently accepted with Nationwide and only needed 10%. Daughter is on a much higher wage than son and both have no debt. Daughter is…
-
Mortgage redemption date on a weekend
Hi. I will be redeeming a buy to let at the end of this month. The statement lists Saturday as the first date I can pay it off without an early redemption penalty. When I phoned the mortgage company to check that a payment on a Saturday was OK, the telephonist advised that, as they were closed then, the payment would not…
-
Gifting a deposit
Hi I am in the process of gifting a deposit to a family member to buy a property. I understand the legal declaration & that proof of funds will be needed & this can be provided Do I need to have a solicitor to represent me for this or can it be done directly with the solicitors of the buyer? Thanks
-
Drop in interest rates in 3-5 years
We're due to fix into another deal with our mortgage and currently live in our home which we will now be in for the foreseeable future to have a family in, got the option to either go for a 5 year fixed at 4.29% or go for a 3 year fixed which is more over the 4.5% and an extra £38 a month on the 5 year amount, but…
-
Landmark Mortgages
Hi All, we bought a house in 2007, using Northern Rock as the mortgage provider. In 2008, the mortgage was transferred to NRAM, then on to Landmark who acquired the mortgage book from NRAM (effectively HMG/Taxpayer who had to bail them out). Under Landmark's management of our mortgage they imposed usurious mortgage rates…