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Terms and Conditions - Do Barclays have to inform us if they make a change?
Our terms and conditions were changed regarding the switch dates as advised by the FCA but Barclays didn’t let us know. This resulted in us missing rates at the start of September 2022. What I need to determine is do Barclays have a duty to tell us about these changes in good time or do I have accept that Barclays say this…
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Sell, Air bnb, rent out?
Hi, hope you can help or have some suggestions. Me and my partner both have our own properties, we live in the same area, he has a 3 bed house, I have a 2 bed bungalow. We live half of the week in my house and half of the week in his house which is a complete waste of money for us both since we always live together and 1…
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POLL: You choosing this TRACKER or this FIXED mortgage??
Rather than simply ask the question, I thought a poll might be a fun and useful way of getting more engagement. It's a real life choice that I need to make (very quickly), so please do feel free to augment your choice with your rationale. Both options are for two years, but the option 1 TRACKER has NO early exit fees,…
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Advice on changing job halfway through a house purchase?
So I know changing job before completion is a major red flag and I need to inform the lender of this etc etc, but my situation is a bit tricky and just wondering if anyone has anecdotal advice. I currently work 2 jobs, one is 20hr/wk at a national supermarket and the other is 10hr/wk in the NHS (admin). My NHS manager has…
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House fire gutted property, Mortgage Company won't waive early repayment charge
I have a buy-to-let property, the tenants started a fire by accident and the house is completely gutted. I am also suffering with many symptoms and severe fatigue due to post concussion symptoms, so I am not well enough to oversee a renovation. Approx 18 months left of fixed mortgage term. Mortgage company won't waive…
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Remortgage and debt consolidation
We are looking to remortgage and are thinking of adding our unsecured debts on to the mortgage to reduce our monthly outgoings. Our house is valued at £225,000. We have £147250 outstanding on the mortgage and approx £30,000 of unsecured debt. What would be our best options? Thanks so much :smile:
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Remortgaging 1 bit of multiple mortgages
Cant see much help on this subject - perhaps someone can guide. My situ: Home worth approx £450k Purchased in October using the following: - Equity of £90k - Mortgage A. (ported from prev. house) £280k - 3.5 yrs remain on 5 year fix - Mortgage B. (taken at time of buying new home) - £80k - 1.5 yrs remain on 2 year fix I am…
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Nationwide Tracker now 0.24% above base...will other lenders reduce trackers and follow...
Nationwide seem to have got in early...
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Reassure not paid money to Fidelity
I have a mortgage ISA due to end next year. It was legal & general until November 2021 when I was notified that it had been transferred to Reassure who take my premiums every month to pass to fidelity. Reassure have not passed any premiums over, they have been looking into it for 2 months now, Reassure have told me that…
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Platform Mortgage Underwriting
Hi guys, my partner and I have had an offer a accepted on a property in Scotland. we are selling our main home and keeping another flat which we use as a holiday home now and again, although mainly paying the mortgage as a pension pot. we are going through platform and have submitted all required supporting documents via…
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Non broker Remortgaging times
Hi all Can anyone who has remortgaged recently tell me how long it took their remortgage to complete and who it was with?
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Skipton BS - approved subject to valuation?
Hello, I was just wondering if Skipton does the above? Our broker submitted our application on 14/03. The next day, Skipton requested my and my husband’s current P60s. Then on 17/03, our broker advised that our application was going through the underwriting process and they had requested for our personal bank statements…
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Advice on getting a mortgage self employed
My house sale recently fell through as my original buyer pulled out. I’ve now got a new offer from a young couple who seem really keen, although he’s a self employed plumber and only started his books in September 2021. I believe she qualified as an accountant in 2021. I‘ve accepted their offer but to be honest I’m worried…
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Change in Terms and Conditions mortgage
Hello All, Do Barclays have to let me know if they change the terms and conditions of my mortgage? They recently made a change to the switch date of a fixed rate product I hold with them but didn’t notify me and it’s had a significant detrimental affect. It’s a residential mortgage. I cannot see any information regarding…
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Fixed or tracker?
My current mortgage runs out in May. I'm thinking of getting a tracker mortgage as I'm expecting the interest rates will go down and don't want to be stuck with a high rate. My husband disagrees and wants to go for fixed 2 years. We only pay about 200 a month and only have 27k left, don't know if that makes any difference
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Remortgaging advice with poor credit history
Good afternoon, I hope this is the right place to post but please let me know if not. We are desperate for some advice. We have a mortgage with the One Account. The interest has gone up and up over the past 9 months and consequently we are only able to pay the mortgage interest and are making no inroad on the debt itself.…
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Aldermore
Hi Was hoping for some reassurance. My partner submitted a mortgage application on the 24/2. They have asked several times for documents which we have provided each time through the mortgage broker. We now a valuation was done on the property we are trying to buy on the 16/3. My partner has never missed a mortgage payment…
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HTB/borrowing more
Hi all, I have a HTB mortgage with my partner 5 year fixed which runs out June 2024. Since taking out the mortgage we have both entered DMP which we are up to date with, however obviously our credit rating has taken a battering as a result. If we were to borrow more on our mortgage with our existing lender, would they do…
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HSBC tracker - no ERC - is this correct
hi all, very quick question: Tracker Mortgage | Variable Rate Mortgages - HSBC UK our fixed rate mortgages comes to an end this year. we can switch our product to either a fixed or tracker product. based on the link above, am I correct in thinking that HSBC's tracker mortgage doesn't have any early repayment charges? in…
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NatWest confusion
Hi, NatWest’s lending criteria for intermediaries says for adverse credit; “We will not consider applications from individuals who have been subject to a bankruptcy order or an Individual Voluntary Arrangement in the last six years. We can consider applications where one or more applicant(s) has a history of unsecured loan…