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Mortgage but I have debt
Hi, I'm currently renting a flat, and my landlord wants to sell it at the end of my lease, (July), and has offered me first refusal, which is perfect as I would love to buy it. He's not given a price yet, but an identical flat in the block is currently on market for £190k, although has not sold in the last 4 months!…
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Any 90% Mortgage LTV on New Builds
I've Found Nottingham BS and Santander that will offer a 90% mortgage on New Build Homes. I was just wondering if anyone knew of any other companies that could help us out with this before applying?
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Sell to rent ADVICE
Hi, We are considering to sell our house and rent it. Anybody knows any good company and how much do they pay?
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Capstone mortgage arrears! Help ADVICE
Hi everybody, I'm newbie here and I'm looking for some advice. Well I don't know where to start really, but I will try from beggining. We bought our house back in 2005 for £260k cash. Our business have some problems and we need extra cash so we took £100k mortgage in 2006. After a year we need another £150k to the business…
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Difficulty in acquiring a FTB mortgage..
I recently applied for a first time buyer mortgage with the halifax, all appeared well with an agreement in principle and the mortgage broker satisfied that there didnt appear to be any issues. However after a week in application returned as declined due to a default that I had forgotten from 5 years ago. This was 3…
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Home Report Valuation
Hi all, Just a quick question I hope someone can help with. I saw a house for sale offers over 75,000 (in Scotland) but the home report has valued it at 95,000, does this mean the mortgage company would require less of a deposit from me if, for example, the seller accepted an offer of 80,000? Or is this wishful thinking…
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Nationwide Mortgage - new fees and charges
Having received a letter and leaflet from Nationwide BS about new fees and mortgage charges I am rather stunned! :mad::mad::mad: Anyone else rather worried about the sudden introduction to rather high increases in monthly payments from 1 Sept, which they say do not alter their terms and conditions...must be something…
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Isa included in Offset arrangement
I have an Offset Mortgage with Barclays. In one of my savings pots I have £8000 . If I convert £5100 of this into a Barclays Golden Isa it will earn 3.1% interest as well as being included in the offset arrangement. This seems such an obvious thing to do it makes me wonder If I am missing something? cslogg
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How to work out what houses to view based on mortgage?
Hi there In my area, houses are much bigger and better once you hit the £130000 mark - the maximum mortgage I am 'likely' to get according to broker is 'somewhere between ££90000 and £110000! This seems a wide band, and it would make a big difference if I was able to look for houses with a mortgage at the upper end of this…
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How to prove source of deposit
Hello all Hopefully a straightforward answer to this to help stop worrying! Any suggestions/advice appreciated. Have decided to 'think about' buying somewhere as a FTB and concerned about questions from solicitor/lender (?) about source of funds for the deposit. (This is the latest in a series of worries unfortunately!)…
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New build 90%LTV mortgages....
Hi guys, Went to arrange a part exchange on a new build today and the sales rep said that banks were not willing to lend 90% LTV only 80% on new builds. Was gutted with this as had a mortgage agreed in principle for 90% ready and never knew this was the standard protocol with mortgages and new builds. Don't know if it…
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Why do they care about the heating?
My mortgage offer is being held up over heating. The survey suggested we look at replaceing the heating as a suggestion, its now become a conditin by the lender Why would they care? It has storage heating at the moment and it seems really pointless in my mind. I don't know what I'm going to do with the heating yet. What…
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should I?
just wanting some impartial opinions really, my mortgage is for £85000 and I am tied in for four years until march 2012, however i am currently newly single mother of two and student and am enevitably experiencing some financial difficulties. I have had my problems in the past with money when i was younger, which resulted…
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HSBC booking fees - paying twice
Hi all, I applied and was approved for a HSBC Lifetime Tracker mortgage at the end of last year. The rate advertised on their website was 2.69%, but it turned out this was an error and it had changed to 3.19%. An annoyance, but the rate was still good so I went ahead. At the point of approval, HSBC immediately took the…
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Mortgage Help - Clydesdale Bank
Hello , need some info. My brother and fiance have applied for a Mortgage but have been knocked back due to a credit card approx 6 yrs ago . One payment was missed on the Clydesdale Bank credit card . They have asked clydesdale for info which they are unable to provide . No details are on credit files , any advice ??
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Help! How to work out beneficial loan tax
Hi all, I've currently got a mortgage with HSBC (SVR -0.69) which is due to move to SVR in August . I'm looking at various options and one is to get a staff mortgage ( BOE BAse rate). I know this will incurr a BL tax so I'm trying to work out what is best. Go for staff mortage ( cost will be base rate + solicitors fees) or…
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Buying Ex partner out of a mortgage
Hi there, I'm new to the site and was wondering if you could help me out with some mortgage advice. My Ex-partner and I have a joint mortgage on a proprty in London. A few years ago we both emigrated to Australia where we split up. We have tenants in the property to cover the mortgage payments. I would like to buy him out…
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Mortgage Express Nationalisation
Received a letter from Mortgage Express explaining that since nationalisation they intend to wind up their mortgage business. They are encouraging all their customers on BTL mortgages to go elsewhere for a better deal. The thing is, there's no way at the moment that you can find a better deal than 2.25% on their standard…
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Builder survey vs. Homebuyers for a flat /// RICS vs. non RICS
Hi, I was going to ask for a Homebuyers Report to be fully assured. The quotes from surveyors show a HomeBuyers Report cost 400 and a Building Survey around 500. It does not seem a huge difference. I searched the forum without success what added value a Building Survey can add if the surveyor can't access the other…
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Builder survey vs. Homebuyers for a flat /// RICS vs. non RICS
Hi, I was going to ask for a Homebuyers Report to be fully assured. The quotes from surveyors show a HomeBuyers Report cost 400 and a Building Survey around 500. It does not seem a huge difference. I searched the forum without success what added value a Building Survey can add if the surveyor can't access the other…
