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Advice please
My son is in the merchant navy and works out of the country for approx ten months of the year and hasn't paid tax for the last fifteen years, his wages get paid into his UK bank account. A Halifax adviser says that there is no way anyone will give him a mortgage because he doesn't work for a UK based company. He doesn't…
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Take Home £3800 per month is £1000 mortgage manageable
Hi All, We're lucky, at the moment and live in my mums place and pay very little. We have an AIP for £225K, plus we have £25k deposit We are looking at a house valued at £280k, and are thinking of making an offer of £240. If we are pushed to £250k the morgage payments will be about £1000 per month. We take home £3800 every…
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Morgage deal ended
Okay , our morgage deal with Bank of irland ends in november , just had the review letter through and with the interest rate the payments go down about 130 quid for the month. I just wanted a bit of advise , Is the interest rate due to go up ??? What would people suggest we do , im really worrying about alot of things at…
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How can I get a mortgage? Please help
Hello, Hoping someone can help. My boyfriend and I have been saving for a house deposit and a few months ago discovered a new build which we loved! They offered a deal where you pay a 5% deposit and they add on a 5% builders deposit. We found a house and applied for a mortgage with Abbey and it was refused because of my…
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Nationwide.. offer or not...
Hi, Me andmy partner have gone for a mortgage with Nationwide.. they have recieved everything and even sent our original documents back! I rang yesterday to see if they had recieved my employers reference and the lady said.. Hang on theirs a big comment let me read it.. Then she said.. yes everything has been recieved and…
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Small Value Mortgages
My mother-in-law has a fixed rate mortgage due to expire next month. She only has 5 years to run on the mortgage and the value is £6000. I can't seem to find companies that remortgage for such a small amount, but obviously she does not want to pay the ordinary variable rate offered. Where can I go?
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is the valuation and a survey the same thing?
we had to pay £400 3 weeks ago for house valuation, survey has never been mentioned, so i was wondering if it had already been done? solicitors fees high enough (1556 so far) with having to pay out more, also we started application on 4th sept, still not had mortgage offer, and bank keep asking for more info. was told…
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Credit Checks and Mortgages
Hi I just wondered how far back lenders go when you put a mortgage application in? I am looking to buy a property this year, but just looking at my previous credit history I have see there is a default payment of £24 from Nov 2004. This was due to a dispute I had with T Mobile and thus cancelled my contract and refused to…
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Advice needed on ending fixed rate mortgage/base rate predictions
Hi everyone, I hope you can help, Our 3-year fixed rate mortgage comes to an end on 1st June 2011 and we are looking for advice on the best thing to do after this. Our mortgage is with the Bradford and Bingley, it was fixed for 3 years at 5.59% so unfortunately we haven't benefited from the low base rate :-( Anyway, I have…
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over paying a mortgage-advice please
i currently have a 55k mortgage/92 pounds a month interest only payment(1pc)--i am 47 and have a term of 17 years left and i am looking for the best way to go.--i can over pay by 10pc per year according to the building societies website. Due to an old endowment maturing i have managed to save 27k in cash plus i have a home…
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Credit Searches
Halifax are currently processing my mortgage application. It seems to be taking ages. It has been agreed in principal but they seem to want proof of income in so many different ways. My wage slips didnt have my employers name on, yet matched the credits on my bank statement which states my employers name in full. That…
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Should We Pay Next Mortgage Payment?
I started a thread in bankruptcy https://forums.moneysavingexpert.com/discussion/2786042 which got no attention so we just did what we thought was best. It looks like my wifes lenders are going to allow her to sell with a shortfall which they will then approach her for after the sale and try and agree some repayment terms.…
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my partner has ran up debt and we have a joint mortgage
I have recently found out that my partner has ran up huge amounts of debt and is currently going through debt managment. he has been getting phonecalls from natwest's debt collecting agency where he has his loan is and also where our mortgage is held. is it possible for the bank to call in the mortgage without my consent?…
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ex refusing to come off mortgage though doen't live in house
Hi, any help on this would be great as I feel completly powerless right now...ok si me and my girlfriend bought a house in may 2007, little did I know she was cheating since jan 2007 found out in oct 2007, we decided to live separate lives in same house as we'd only been there a short while thought couldn't do anything…
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Buying with parent........help
Ok, firstly my partner and I are a mortgage newbies, we currently rent. My elderly mother owns property worth approx £340,000. We are looking to sell this and buy something bigger for all three of us and will probably have to spend around £450,000. I only work part time so technically would only be able to raise very small…
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How long is your AIP valid for?
My first one was with Santander and lasted 60 days. They removed the product i was going to use, and i have now gone to the Post Office, but their offer is only valid for 30 days....doesn't give you much time does it?
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Help please: Heritable capital pl? Who are they? How can we contact them?
We have just finished our mortgage and were sat smugly waiting for our pitiful endowment payouts to come our way when we discovered that we needed a letter of disclaimer from Santander (who did this immediately and were wonderful) and from HERITABLE CAPITAL PL before Phoenix Life Limited would hand over the money. Does…
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FTB - Mortgage Lender requesting building survey
Recently applied for a mortgage and paid for the basic valuation report. We had independently completed a full structural survey prior to this. The house was built in 1910, is mid-terrace. Due to the age has some features that would not pass building regs now. The bank has now asked for a full survey. Has this happened to…
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Companies that buy your property - at what price?
I have noticed on here that people write about companies that buy your house from you. Although, I know they will pay less than the market value, are these companies a good bet. I am not in arrears or anything, so no worries there, but if I wanted a quick sell, what sort of 'below market value' do these people offer. One…
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self cert fixed period about to end...
Hi all, I got a fixed rate deal on a self cert mortgage almost 3 years ago, due to running my own business. This will soon go to variable rate. This will mean a significant drop in monthly payments (which will be very welcome short term) but I would prefer to fix again fairly soon after as I prefer the security of knowing…
