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Proof of deposit??
Has anyone had to provide "proof of deposit" in order to secure a new mortgage?? I am a FTB and my deposit is coming from my parents in September when their insurance premium expires. My situation - I am a FTB with a 15% deposit (from parents) and have an offer accepted on a house, the mortgage application is going today…
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repairing credit history - remortgage
I've got a mortgage with my boyfriend that has come off its fixed rate and although interest rates good at the moment, want to be ready to fix in the next year. Problem is that recently we discovered he got a CCJ through checking the credit ratings last year - he has paid it off but now I'm wondering if it is worth asking…
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What happens when a deal dissapears from the website
Just a quick question on what happens when a deal dissapears from the lenders website. There was a deal I was interested in just last week but didn't take it at the time. Now the deal has gone is there any likelihood I will still be able to get that deal over the phone??
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Mortgage Rejection - Help!
Hi All, I'm hoping I can get some knowledgable advice and guidance from you guys. I applied for a joint mortgage with my partner with a total income altogether of 35k. We had a deposit of 35k and wanted to borrow £82k. We were rejected on the basis of a default that I had from January 2004, which is due to scrub off in Jan…
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Help! Can I move a mortgage amount?
Hi! Hoping someone can help me. I'm looking to move house and move some of my mortgage with it. I'm not talking about 'porting' as I am out of the term and so don't need to avoid repayment charges. What I'm wanting to do, and I'm not sure it's possible, is pay off a large part of my mortgage from the sale of my house, but…
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Mortgages in Hungary
Anyone any recommendations for mortgages for Hungarian property?
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FTB mortgage rates now higher than in 2007, despite fall in base rate from 5% to 0.5%
Or - why the market will fall further: http://www.guardian.co.uk/business/2009/jun/13/mortgage-first-time-buyerd Rates have also started rising after a year of falls. Yesterday, a number of big lenders put up the cost of their fixed-rate mortgages and experts suggest other lenders will follow suit. First-time buyers are…
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can we get a mortgage ?
my husband and i declared ourselves bankrupt 3.5 years ago and were discharged after 6 months (nothing dodgy, just stupid overspending then a huge change in circumstances and banks being very unhelpful led to bankruptcy). husband earns around 25,000 and i get some maternity allowance at the moment (don't know if that…
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New build with gifted deposit.
Hi All, My mortage application got rejected from Nationwide for 85% LTV for a new build house. The list price was 240 K but managed to negotiate at 210 K. I have 15 % as my saving but Nationwide said it need 20 % min deposit to proceed. Now my mortgage advisor (one thru builder as that was one of the condition for sale)…
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FTB - current mortgage likely hood ?
Hi Guys, My girlfriend and I are looking to purchase a house together - at present out annual earnings are in the region of - 34K (potentially more in the next month or so). We have seen a property that we really like, and belive would be an ideal home to initially do up, and eventually have a family in. This is where we…
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Remortgage Query
I think I already know the answer to this question but I need to be sure...I am coming out of a fixed rate mortgage and should really look around for a better deal. I presume I cannot remortgage as I am not working (retrained and became pregnant so no time to get a job before my baby arrived) and my partner has lost his…
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Are these charges normal?
We need to rent our house out to serve an oversea's posting. I have told our lenders, who will not agree until we have provided them with lots of information (we don't have until we get a tenant) and pay them solicitors fees and admin charges. Then they say they have the right to increase the interest rate. Are these…
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Halifax- Permission to let
I have a residential mortgage with Halifax, now due to job change moving house and want to rent out the house. Some banks give permission to let for a small fee and we can carry on with the same rate. When I approached Halifax, they insist nothing of that sort exist with Halifax and have to go on a higher rate mortgage and…
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Remortgage whilst in IVA.
Hi Everyone, I'm hoping someone can help me here. My current mortgage tie in period ends in December. It is middle of the road in terms of what was then available. I currently have a NR mortgage for approx 83K. The house value is approx 95K. Also I am now entitled to the NR customer loyalty bonus which makes even SVR look…
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Advice wanted with Virgin one account
Hi all, I'm paying 3.75% on a £145,000 mortgage taken out on a house purchase price of £245,000 in 2006 and I'm about £30,000 ahead in my plan. (LTV ~ 59%). I've been with Virgin for about 10 years and it has always suited our needs, but now it's time for a change - so I'm re-entering the mortgage comparison minefield and…
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Britannia Building Society - Is it risky?
Hello all I'm look to remortgage as my current deal comes to an end in 3 months. The 2 best 3 year fixed rate options for me seem to be either Birtannia Building Society at 4.54% with no fees or Abbey at 4.79% again with no fees. I know there are better fixed rates out there but I only need to borrow 36k so the high admin…
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Credit Report - what does "query" mean?
Hi, Just checked my credit report or the first time in a few years. I notice I have 2 query "Q" entries showing up on last years mortgage payments. I will contact my lender, but I wondered if anyone can give me a heads up on what it could be, and is it harmful on a credit report?? Many thanks!
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fixed mortgages
We have had our AIP via natwest and been offerd 5year fixed at 5.99 what do you think of the rate ? Thats based on a 90%LTV.
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FTB - Which do I pick?
Hi all, looking for a bit of advice please. My girlfriend and I have found a house we love and will shortly be looking to put in an offer. We're willing to go to £280000 for the house and have 25% deposit, so require a loan of £210k. Through research here and advice from elsewhere we want to fix for 5 years as this is our…
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Mortgage with bad credit history
I have just bought a house for cash and it has pretty much skinted me. I would not mind having a mortgage or re-mortgage to do it up a little, only 30 or 40k. House is worth about 250k Does anyone Know of any lenders lending to sub-primes. I have defaults but no CCJs that I know of. Thanks in advance.
