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First time buyer with poor credit (advise)
My husband has been out of work for 6 months and has finally got a permanant job now so we are looking into a mortgage We currently rent at £600 pcm and our earnings are £15k each I have seen a flat for £40,000 and have a deposit of £5,000 but my credit is in the poor bracket, this mortgage would only be about £240 pcm and…
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mortgage refused
hi i have my mortgage with halifax which i have had for about 6 years with around £85'000 left to pay.when i took the mortgage out i found i had a (settled)default on my credit file from a halifax bank account i was told this was no problem as itwas settled and got the mortgage no problems.recentley we wanted to move house…
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First time buyer help...
Hi all, I'm after some advice. I work and my partner stays at home with the kids. My gross is £20700pa and we also get child benefit and child tax. Where looking to buy our council home before the right to buy scheme ends. We have a loan with about 7k left and 22 payments on it of £333pm. Our rent is approx £270pm . That's…
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HSBC Mortgages
Are they any good? If looking at a repossession do they move quickly, or do they drag their heels. Looked at Website and better rate than currently advised but depends on above.
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Can you sell house and part pay off mortgage ?
Help me please guys. I have a mortgage with Northern Rock. I recently got divorced and now have a large mortgage on my back that I am trying to pay with only one incoming wage. I have my house on the market now. I have been offered a price by an online home buying company to purchase my house. That price is about 90% of my…
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Are HSBC really slow?
Applied online for a 50k mortgage on 23rd October and had a telephone interview with them on 26th Oct. Have returned all their paperwork to them within a day or two of receiving it. On 10th Nov. I was told over the phone that our application was with the credit underwriting dept and we should know in 5-7 days if we've been…
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Effects on credit report??
I wonder if someone can help. It is very likely that I wont be able to make my mortgage payment this month. This is due to a timing issue and the bank are aware of it. If I dont make this payment, but only a part payment with the balance a couple of days later, however this will be in the enxt month - will this effect my…
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What to do, what to do!?
Hi, Was wondering if any of you brainy people could give me some advice? My current mortgage deal came to an end some months ago and have been on the Standard Variable of 4.8% with Bank Of Scotland. I am now looking at sorting out a new fixed rate either by re mortgaging or changing deals with BOS. I have around 83,000…
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Urgent advice needed - PLEASE x
My dh was out of work for some time last year, and eventually got a great job, good prospects, great money. 1 week after starting, he was signed off sick and despite several hospital appts, is still off sick. He was meant to go back on Monday, but got dd's sickness bug overnight and into yesterday, so was meant to go back…
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Sell my propery - rent - but buy to let with proceeds.
It looks like come the Spring I will probably have to put my house on the market. I will be able to afford to buy what I would like, so I have been thinking of renting...and then using the equity from this house to buy two small properties to rent out. This would pay my rent, and maybe a bit left over, either way at least…
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Can i change my joint deed into my wifes name only?
I am thinkng of changing our ownership deed into my wifes name only. Can this be doe ad how?
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Credit score was 884 2 months ago but is now 494 - can't get a mortgage due to this
Hi all, I have a mortgage agreed in principle with Woolwich accepted around one month ago for a property worth £430,000. However since house hunting I have realized the large difference in standards between a property priced £430,000 and a property priced around £500,000. Since Woolwich were not prepared to lend me…
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MSE News: Which? offers free mortgage advice to members
This is the discussion thread for the following MSE News Story: "The scheme, launched today, is a telephone-based service available to all 750,000 subscribers ..." Read the full story: Which? offers free mortgage advice to members
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Mortgage for repossession
Ok i have seen a house that i am looking at buying, the problem is its a repossession. I have been advised that the purchase will need to be completed within 28 days, does anybody have any experience of this and know which lenders would be best able to facilitate this timescale. I know that buying a house can drag on, are…
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First time buyer
Hello All, I am a little new to the forum so please forgive me if all this has alrady been covered! My boyfriend and I would like to buy our first property next year. We are both self employed, so do have not have regular earnings, but we have been renting a flat for over 3 years now never missing a payment so can…
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100% mortgage
Ive been looking into buying a house with my girlfriend who has just found out she is pregnant. we have no deposit at the moment but could possibly have around £5000 in near future. Is there any lenders who still do a 100% mortgage or is there any good deals for first time buyers. thanks craig
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Buy-To-Lets for Parents
I currently have a joint mortgage with my fiancee and are looking into providing the mortgage for her parents. As the are both over 60 they can't get a mortgage, so we have offered to share the deposit and then pay part of the mortgage, with them giving us some 'rent.' Do we need to get a buy-to-let mortgage, or is there…
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Enquiries after mortgage offer
Hi Very concerned - we have had a mortgage offer for 3 weeks and are within 2 of exchanging. Yesterday, OH gets a phone call from lender asking her to verify some basic details. Apparently the person said several times 'we're not pulling out' but would not offer a reason for the further checks. Surely if they were…
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Interest rate
Whats a decent interest rate for a mortgage of about 10%, obviously the higher the deposit the better the interest rate, and for a decent deposit you can get 2 or 3%. What rate would people expect for a lower deposit?
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mortgage waiver documents
Hi there im new to this so please bare with me. So from the beginning. During divorce proceedings, various alleged frauds have it would appear been perpertrated upon myself. In 1995 i purchased a property with my now estranged wife. I put the deposit down , and took out a Halifax PEP plan. I didnt go on the tile deed, but…
