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Mortgage from Halifax
I have a Decision in Principle from the Halifax. This set up via my broker. I am about to put a deposit down for a house and believe the mortgage needs to be completed within 28 days. My question is that obviously I have been credit checked to get the Decision in Principle. Do i still have to supply payslips and bank…
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how to check land registry
how do i find out what names are on the land registry and whats the benefit if say one persons name is mentioned but two names on mortgage
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how can i get my partners name off mortgage
when i took out my mortgage 10 years ago my partner was not working as she was pregnant with our first child,i had the mortgage based on my income only but put her name on the mortgage policy,we have never had a joint account and i have made every payment for the last ten years,she has never paid a penny,now we have split…
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How to buy ex out of house
Hello there. I require £20K to buy ex out of marital home. (An agreed, reduced figure as there are 2 small children to be provided for.) Shortly before our separation we were in serious financial trouble and consequently I have defaults on my credit file due to drop off circa Oct 15 - so obviously - computer says no (at my…
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Help Want to move but can't
Hi, I really want to move and I am fed up of where I live, The only thing is the place I want to live is really expensive. I currently own my house outright (about 75k) But the cheapest house in the area I want to move to is about 190k But I cant find a way to get a mortgage, I am currently working but because It isnt in…
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Best Mortgage for first time buyer?
Can anyone tell me the best mortgage to have for a first time buyer, who would probably need to borrow around 40,000 on a house he is able to purchase for 56,000? He would hopefully like to repay it off quickly without too much of a penalty for early repayment. I have tried to reserch it a little bit for him but we are…
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minimum mortgage fee
hi I posted in the exit fee forum before I noticed it was very quiet, my question was is there a minimum value you must leave in your mortgage?? e.g. can I leave just £1 in my variable mortgage which has 7 years to run and I will pay off £1 over 7 years or is there a minimum payment? im with Bank of Ireland and the exit…
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Joint mortgage with shares 99% vs 1%? Is this possible?
Hi all, I am in a difficult situation and would appreciate some advice. Thanks in advance. I am about to divorce and my wife is happy to sell her share to me from the family home. it's about 40K - lot's of money for me. I have been thinking of many options but the most sensible appears to be remotgaging the house for the…
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Nationwide 5 yr fix @ 4.69% coming to an end in July 2011
I have recently received advice from a mortgage advisor to take out another 5 yr fixed deal again with Nationwide at around the same interest rate dependent on LTV, if over 70% may not even get the 4.69% I am currently on. My hunch is to sit tight and to drop on to the base rate currently 2.5% but continue paying per month…
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Capped Mortgage
In June my 5 year capped rate Abbey (now Santander) mortgage ends. It is currently at Santander SVR of 4.24%. I am a little reluctant to go for a tracker as I am only just managing to keep on top of things financially (Single parent, 3 kids, working full time, no option to increase my income etc) Are there any capped…
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Right to Buy Mortgage with a recent default
I know that this is a very long shot, but does anyone know if there are any mortgage brokers whom can help with RTB even with a recent default on your credit file? If so I would be very grateful for any websites or information that can be given. Thanks;)
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Salary & Mortgages
I'm after a little advice.... What is the current mortgage market's approach to directors who draw only a minimum salary and the rest of their income as dividends?? As it stands I take my whole income as salary, with only a small yearly dividend however as with most directors I wish to maximise my tax benefits and draw the…
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voluntary reposession of house
please can u help me cant find out up todate rules on this i have been told today by a good friend that mortgage companies can no longer sell repossed house below there current market value is this true me and my partner have spilt and we cant either afford the mortgage on our own any help or advice wounld be appreicate i…
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Renting, but I want to buy, can't get a mortgage
I am currently renting - £800 pcm for a 3 bed semi in Berkshire. I have looked into first time buyer mortgages (Seen house £196500) and monthly it would be around £780 - £845 pcm but I can't get a mortgage so I am in a catch 22 situation. Any suggestions welcome
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income/expenditure form
hi all, wondering if someone has the info re this. I am in arrears with my mortgage (arrears accumulated when I was out of work after finishing my degree) happily I work full time now but my mortgage was sold from my previous lender (future mortgages) to engage credit. I have been paying for the past few months, every…
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Help! Mortgage with bad credit rating
I am trying to remortgage in order to pay off a couple of credit cards. My current mortgage is with the Abbey and I applied to borrow extra funds to consolidate the debt and they have turned me down as I failed the credit check. I assume I failed because i have not been meeting the minimum payments on the credit cards. I…
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Existing homeowner looking to buy a new home
Hi, Apologies if this question has been asked before BUT I am existing homeowner with a mortgage I am looking to sell (expecting to make a loss due to negative equity) & purchase a new home on a mortgage of course. I want to know hwat are my options? If I sell the house I know the price wont cover the full mortgage so what…
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Mortgage AIP not going to proceed
Hi, Was hoping to get some help. I have an AIP (within last 2 weeks) that I am not going to take forward, but I will likely be applying for a mortgage with another provider in the next month or so. Our credit rating is good and have 30%+ deposit, can anyone advise if any future application is likely to be hampered by the…
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Mortgage with no deposit?
Hi, I met a man who had made a lot of money from property developing who said that it was possible to get a mortgage with no deposit, e.g. if a house is worth 100,000 and the mortgage is say 85% (he did this about 5 years ago so they were available) then you only pay 85,000 for the house you pay no deposit. My question was…
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Young person's buy to let?
Hi, I've been trying to read up/research buy to let mortgages and haven't/can't find what I'm looking for (It probably doesn't exist) Is there any mortgage providers who will provide a buy to let mortgage to a 20/21 year old? Thanks Kitson
