-
Previous mortgage company want money back!!
I've just received a letter from a mortgage company I left over 3yrs ago saying that my account has a shortfall of £715.53 due to a refund overpayment. The account was settled in April 2007 when I re-mortgaged. Can they demand this money off me after this amount of time?! Please can anybody help with some advice?!!!
-
Trying to leave my joint mortgage
I split from my partner of 17 years at the beginning of last year because he had been cheating on me for 2 years. I moved out of our house because he wouldnt and have been renting now for 12mths. I am wanting to buy my own house but are unable because I am still on the old mortgage yet he is living there with his…
-
has anyone applied for a nationwide mortgage?
hello we have applied for a nationwide mortgage, 2 year fixed rate, go mortgage in principle 3 weeks ago signed all paperwork and gave all paperwork ie passport utilty bill wage slips etc friday how long will it take to get offer as we need to move urgent as in expensive rental. neither party has a chain will they ask for…
-
Nationwide Mortgage Advice.
Hi.. so i have posted before but want to just clarify something as its really stressing me... Im awaiting to hear back from my broker as to whether Nationwide have accepted us on our mortgage.. HOWEVER I have another house that I live in currently but have someone lined up to move into.. someone on here has told me that…
-
Mortgage Valuation Problems
Hi everyone I'm about to purchase a new flat on a shared ownership scheme and have applied for a mortgage with the Leeds Building Society. The mortgage has been approved but the valuation on the property (carried out by eSurv) came in at £15,000 less than the purchase price. Other identical properties in the same…
-
do we need subprime lender?
Hi, Would really appreciate some advice. WE are looking to remortgage to consolidate debt. Our LTR will still be less than 70% Our credit reports are both top end of fair. Neither of us have any ccj's, or defaults. We do however have quite a lot of credit but are up to date with everything. There will be however a couple…
-
remortgage - partner does not work
I currently have a Leeds BS Fixed Rate mortgage which ends on 1 November so am looking around to see what the cost will be for a new fixed mortgage. The current mortgage is in my and my partners' name and the deeds of the house is in both names. I work with a good salary but my partner does not currently work (house…
-
Mortgage nightmare!
Hi Everyone, I'm having a real nightmare with getting a mortgage at the moment. As I'm a sole trader, they require 2 years accounts (prefer 3) - Whilst I have got two years financial year accounts, I have only been trading for 20 months. I'm contemplating asking my broker and speaking to my Dad to see if he could be a…
-
Advice needed - I'm paying his ex's mortgage!
Any help/advice gratefully received. I have lived with my new partner for the past 12 months. The house that we live in is still mortgaged to my partner and his ex, as we have not been able to remortgage due to affordability. Basically there is no or little equity in the house, and the banks are not prepared to even…
-
Mortgage Query
Hi. My partner and I are currently looking to buy a house together (just starting to look, first time for me). Stats are: 40k deposit 70k combined income looking to borrow around 200k. I have a few questions, first one is it likely we can borrow this much? We currently rent separately, I've lived in my flat for 5years. We…
-
Bradford and Bingley Mortgage
Hi, We took a 100% mortgage with Bradford and Bingley in 2007, and as they have now been taken over by the government we are unable to borrow any more, and want to move house. We have heard of 'porting' but are unsure exactly how it works. Ideally we want to port our mortage to a new, more expensive property, and pay the…
-
Local government officer who is a FTB and confused
Hi there I have found a property, got the formal mortgage application agreed and have been given the choice of 3.64% + BOE 0.5% tracker or 4.79% fixed. These would both be for 2 years. Now at the current rate the diffrence betwwween the 2 payments would be something like £66. I understand that a lot of peoples opinions on…
-
Part Interest Only, Part Repayment Remortgage
First post and I have had a look through older threads but can't find anything specific about part & part deals. My existing fixed deal with Bank of Ireland (formerly Giraffe) is about to expire and I can't finf anything online that allows me to calculate part & part. All help appreciated.
-
Advice on a couple of things please
Hello all, I have posted this here as well because i after a mortgage the rent side seems to be sorted (or looking into at the moment) Hi all :) Have been renting now for the past 6 years ( due to bad debt from devorse)(spelling i know lol) Now the new landlord when i move seems a good chap and as the house market has been…
-
Consent to let was needed - but ex lied...
Hi - posted this in another forum but not sure where it should be, so apologies if this is wrong.... I bought a flat with a partner and 18 months later he left me. It was at a time when the property market was very bad, and we decided the best option would be to let the property out until the market picked up a bit. My ex…
-
Anyone know what Santander will charge me for a valuation?
Hi there I have already applied for a mortgage with Santander, but then pulled out of the sale - on two separate houses - when the surveys came back with major issues. Bothe times, Santander gave me a free valuation, but last time, I was told that if I needed to change the property again, I would have to pay for a…
-
first time buyer
Hi im new to the property market and dont know where to start We have seen a property which we like and can put down 10% deposit on the house but I have had a shakey background with credit, over the last couple of years with no problems and paying what I need to pay each month. Can you still get a guarantor mortgage and…
-
Mortgage and house buying advice?
Hello all. I am normally on the comp or wedding board so this is my first time here! Be gentle please... I am looking for some advice. Me and OH bought our flat for £95,000, 2 bedrooms, ground floor, garden etc. We are looking to move to a different area in 2 or 3 years when we plan to have kids. The kind of place we are…
-
Suggestions for lump sum
Hello all, I'm looking for some advice, and some suggestions. I am aged 36, and have a young family. I recently received a lump sum payment following a critical illness claim for cancer. The lump sum covers the mortgage and there is a bit extra. My prognosis is good, and I'm back at work. So in some ways, I'm in a good…
-
Been turned down for a mortgage today
Due to move in two weeks time. Time to panic.... House is sold, due to complete in 2 weeks Got a decision in principle for mortgage more than 4 weeks ago, now they have come back and declined it, based on exactly the same information. We have 25% deposit and are trying to borrow only x1.5 our combined annual income. Been…
