-
Remortgage after divorce
Hi, Am living with a complicated situation. My partner bought a flat (c.£200,000 on an interest-only mortgage) with his ex-wife in 2007. She moved out in 2008, leaving him to cover the cost on his own. I moved in in 2009 and have been paying the mortgage either in part or in full ever since (he became unemployed at the…
-
Advice please
Hi I have seen a house I like. Its on the market for £149.000. I have £50.000 deposit. I know this may be difficult to answer but roughly have much would I have to pay a month? Thank you for any advice.
-
Mortgage with time at current employer 2 weeks?
After having found the perfect house (on at 141k, current MAX I can go to is 126k) I may just not be able to afford it on my own (Plan A) so can any kind people share a list of lenders who will consider adding my girlfriend to the mortgage (she would have been put on it at a later date anyway) when she has only been…
-
FTB needing advice
Hi, First time on here but need some help. My partner and I are looking to get on property as we are currently renting, paying £650pm. Situation is this, I have had bad credit in past, no CCJ's just missed payments due to previous relationship. Currently complete debit free since January 2011, got credit card to improve my…
-
Check My File
Hello, does anyone know how good/bad checkmyfile is? i have an account set up with them to check my credit rating, however i'm unsure if its as good as experian etc thanks
-
Removing and adding someone to a mortgage
Hi all, Me and my partner have been together for 3 years and are currently living in an apartment which he has a mortgage for. When he took out the mortgage we were not together and his mother was added as joint owner (50/50). We now want to take his mother off the mortgage and add myself. The plan will then be to rent out…
-
How to shop about for a mortgage?Broker or bank direct?
What is the best way to get a good deal on a mortgage? Is it worth seeing several different mortgage brokers/lenders to get a good deal? Having seen 2 already they both give conflicting information but both offer a product at the end? Are we better off just looking for the best rate we can directly through a lender(bank)?
-
Appeal Process
Hi, I was declined a shared ownership mortgage due to undiscolsed adverse credit, my broker has advised he is going to appeal. Does anyone know how long the appeal process takes? Thanks:rotfl:
-
Mortgage needed fast -who to use?
Hello all, Had an offer provisionally accepted on a property but vendor says they want to exchange asap (within 2-3 weeks). Best rates on offer are with Yorkshire building Society but just spent 45 mins on hold to even speak to them, which suggests they may be a bit overwhelmed at the moment. Any suggestions for a lender…
-
What type of buyers are we classed as?
Morning all, I'm venturing into the world of mortgages with my lovely fiance, but we were wondering what type of buyer we're classed as when ticking the box on the mortgage application? He used to have a flat which he has sold, and I have never owned anything. Can we be classed as first time buyers? Does is make a…
-
new roof
Hi im new to this site and probably totally in the wrong place so please be gentle with me. im wondering if anyone has any ideas if my mortgage company may offer me any help to get a new roof (or i anyone can point me in any other direction) i am in minus equity so in my mind no they cant but someone told me that sometimes…
-
Appeal against my mortgage rejection?
Hi, this is my first time on here, I really need some advice. Okay, my and my partner are first time buyers, my partner is self employed with only 2 years books so our mortgage advisor advised we get a mortgage on my income alone. We got a mortgage in princ from the Halifax for £91k. We searched around and found a part buy…
-
Proof of Deposit not been asked for
Hi, We have had a mortgage offer and have just signed all the paperwork ie contract and plan, and sent them over to our solicitor. We have not yet been asked for proof of deposit, just wondering if it is always required? What is the next stage? Thanks in advance!
-
credit file query
Hi guys, I have started the process of applying for a mortgage with the woolwich. I have had an AIP but have a query before I proceed to the full application. I applied for a credit card in Jan/Feb this year which was declined. I obtained my credit report in June which showed I had two 1 month missed payments for a Next…
-
mortgage payment holiday ????
hi all im a newbie please help !!! I'm considering taking a payment holiday on my mortgage and was wondering if they are available for 1/2 months .. my mortgage is with skipton building society and been with them for 3 yrs ,never missed any payments etc and about £110k outstanding on a repayment .is it worth doing ???? any…
-
HELP - mortgages
I have a bad credit history and am currently on a trust deed, I have spoken to the trust deed company and they are happy for me to get a mortgage as I currently pay rent. My rent is £780 is this transferable to a mortgage, ie a mortgage where I pay about that or less? Who does mortgages for bad credit as I don't know where…
-
Buying two properties (not to rent!)
Hi, I am wanting to buy two houses (as my new job is a long way from home). I currently have no mortgage. I can not find an information on how much one person can borrow for two seperate properties based on my income. I presume this is possible?? I will see a financial advisor eventually but any advice in meantime would be…
-
Effect of unauthorised overdraft on FTB mortgage?
Hello, long term lurker, first time poster, please be kind! I can find advice on the effects of defaults, DRO's etc but not unauthorised overdrafts so thought I'd start a new thread with my question. Me and partner are FTBs, looking to buy a house worth £135K, with a deposit of £50K, so will be seeking a mortgage for £85K,…
-
help with 90% mortgage with a good credit rating
hi if anyone can help i would be so so grateful. we had an AIP from halifax for a 90% mortgage but when they went to process the full application they declined it on the basis of missed payments for a phone and a loan that are 4 and 5 years old. we are now desperate to get another loan. does anybody know of another company…
-
hlifax AIP - what did they check if they don't credit search?
Hi, I saw a mortgage broker today, gave him all my financial info, including credit files and pointed out the bad bits to him. He was confident that I'd get a mortgage (FTB, 75% LTV, 40K salary, 3x salary to borrow) but was unsure if a small 5 year and 11 month default was going to be a problem or not. He convinced me to…
