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Who can do certified copy of my passport? What professions I mean.
Just got off the phone with the solicitors who are sorting my current mortgage application to Abbey. They want a certified copy of my passport. They told me a bank manager, solicitor or doctor can do this. Both will charge of course. Is there anywhere else I can get this done without paying?
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Morgage advisor charge
on my morgage offer it says that my morgage advisor is charging me 460.00 pounds for arrnaging this morgage for me the bank is also paying connells 250.00 i was not told of the 460.00 charge ??? is it correct? do i have to pay it? i dont even think i will have that much after al the solicitor fees
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Perfect credit score but still can't get mortgage, please help!
I'm a first time poster, so forgive me if this is a repeat entry but I can't see my previous entry. In summary, I've worked hard since 2006 to get "financially healthy" (Martin's my hero!!). Anyway, I earnt £20k last year on 10hr wk contract. I work in energy sector so job security is o.k. I have £60k mortgage on £100k…
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First time buyers mortgage advice
Hi, Myself and my girlfriend are looking to buy our first place together towards the end of this year or the start of 2010. I was wondering when is the right time to start looking at mortgages and finding out how much we are likely to be able to borrow and from who etc. Are there certain things that we should be doing?…
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Mortgage for new-build flat
Hi all, I am a FTB trying to buy a new-build flat for 120k. I have a deposit of 15% (18k) but am struggling to find a mortgage. The closest I can find is the Halifax who are offering 80% LTV for a new build. I am exploring a vendor cash back option to get me there, but thought I would ask on here if anyone knew of a lender…
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Bridging loan. Help.
Help needed please? I am in the process of buying a new build Wimpey house. They have told me that I have to complete by the 30th June, and that is not negotiable. However I have just realised that (a massive oversight by me) my deposit money is tied up in a fixed rate bond account until the 17th July (I thought it was…
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Tied into Tracker but want to move...
Hi, I'm a recent lurker but thought I would bite the bullet and ask a question here to the mortgage experts... We're currently tied in to a Tracker mortgage with the Nationwide until early 2010, however we're currently looking to move house and buy a bigger property. Obviously we want to avoid having to pay the redemption…
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Tiid into Tracker but want to move...
Hi, I'm a recent lurker but thought I would bite the bullet and ask a question here to the mortgage experts... We're currently tied in to a Tracker mortgage with the Nationwide until early 2010, however we're currently looking to move house and buy a bigger property. Obviously we want to avoid having to pay the redemption…
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Arrangement Fees
Just tried to arrange a mortgage and been offered one (but much less than I wanted) Been charged £200 for the privelege of being ripped off. I get the feeling that they never had the intention of lending me the money in the first place. Is there anything you can do about this. Can you get the money back I know the banks…
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Question about getting a mortgage ?
Hi I have never had a mortgage and neither has my mate, but she asked me to ask on here for her the following question... She has had bad credit in the past after some silly mistakes in her life and her experian and quifax reports are coming up as very poor. But she has a Trust fund, which she has access to and about a 30k…
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URGENT please! Re: remortgaging and property valuation query-please can anyone advise
Hi,:hello: We are in the process of (hopefully) remortgaging our own residential property, which was last remortgaged 2 years ago, when we moved our mortgage to the Woolwich , who instructed a Valuer to "value" our property. They did NOT come and inspect our house, though - they just did it via the internet apparently.,…
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Should I tie into a fixed rate now or wait?
Hi, I am currently on a variable rate but would feel safer on a fixed rate. Do you think now is a good time to tie in for 2/3 years? I have a rate through a mortgage adviser with the Abbey at 4.59% for 3 years with no arrangement fee. My mortgage payments will go up approximately £45 per month. Should I wait a bit longer?…
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mortgage in my name only what if i DIE !!
Sorry to open on a somber note, but after some advice please, we are currently buying a new home ,the mortgage advisor has said it would be easier to put in my name only due to the fact that we are getting married on friday and it will take time for certificates and proof to sort out, and we need to get this mortgage fast,…
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Mortgage Express..change from Interest only to repayment???
Hi, Hope someone can help. We currently have an interest only mortgage with Mortgage express fixed at 5.99% until april 2010. After this it changes to 1.75 above boe base rate. We really need to change it over to repayment, as its stupid to keep paying this amount every month and not getting none paid off. If we change…
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3 "Payments are up to one month late" on credit file - mortgage issue?
I have 3 consecutive "Payments are up to one month late" recorded on my credit file from 2004 on one credit card. It's then "Payments are up to date" until I closed the account. Other than that my file is clean: no missed payments/defaults before or since, and I've always (apart from this account) paid my credit card…
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end of term v's new rates question.
Hello.. Just a quick question if you can help (apologies if it doesn't make 100% sense i'm at work and grabbing a few minutes). My fixed term mortgage is coming to an end soon and the paperwork i had a while back (6 months or so) had the usual about my payments being x and then rising to y at the end of the term on a…
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Porting a really good rate
Hi, I was wondering if there is any consensus on this... My existing mortgage is on about a 58% ltv, based on a fairly conservative asumtion of current house prices. I currently have a lifetime base rate tracker with hsbc, on a rate of +0.23, leaving me on a rate of 0.73%. I've had the mortgage for about nine months, with…
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Best lender for me or wont I get a mortgage?
Hi, We are FTB's with a joint basic income of £60k looking to buy a £190k house with a £20k deposit + fee's. I had an IVA in May 2003 and so at the end of this month all record of my IVA and associated defaults will be removed, I have spoken to the CRA's to make sure this happens. Also, my car finance, credit card and…
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Mortgages for the Self Employed
My friend was sold his mortgage last year, in my opinion, by an unscrupulous broker. The advice he was given resulted in him being promised a 'reasonable sounding mortgage' which after the broker dissapeared was withdrawn. In a panic my friend found a mortgage on the internet which made all sorts of promises. Consequently…
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Buying house for cash and then getting mortgage on it?
Hi I wonder if anyone can give me some advice please... we are about to put an offer in to buy a house, we already have a large deposit and a family member has agreed to lend us some money so we can pay total amount in cash and hopefully clinch the deal as we feel there will be lots of competition from other buyers.…
