-
Best time to close when re-mortgaging?
would appreciate any advice on the best time of month as to when to re-mortgage to save interest etc.......... thanks
-
Morgage Lending Criteria
Only a quick one… current scenario is my house is on the market (in my name only) and my partner and I are looking into the possibility of getting a mortgage together on a new house if/when mine sells. Are mortgages still offered as a multiple of your gross income x 3 (for single applicant) and x 4 (for a joint…
-
Mortgage application and old missed catalogue payments
Good morning, I am new to posting here but have been an avid reader of the forums for years. I usually find the answers I'm after but today I'm stuck so I hope that someone will be able to help me! My partner and I are looking to apply for a mortgage, hopefully imminently. I have checked my credit file and have discovered…
-
Should I buy or not? Part ownership
https://forums.moneysavingexpert.com/discussion/comment/46246433#Comment_46246433
-
Remortgage - confused!
Hi there Have just come off a 3yr fixed rate of 5.39% with Santander and am now with their SVR and will be paying less. I've discussed with a mortgage broker who has recommended a 2 year fixed rate with Nationwide at 3.74% but after 2 years interest rates are likely to be much higher when we come to re-mortgage again. Our…
-
Mortgage After Trust Deed
Hi guys, hoping someone might be able to help me. I signed a protected trust deed in May 2007. This was fully paid up after three years. The official discharge came through in May 2011 (almost a year after my final payment, although frustrating I am told this is common) Anyway, I am now looking to get a mortage and…
-
Negotiating a better mortgage with Halifax
Reading through some of the re-mortgage guides it offers the advice that before you consider a remortgage, you should contact your lender to negotiate a better deal. I'm on a 5 year fix, with 4 years remaining so obviously a large early repayment charge if I re-mortgage now. However, Halifax stand to make much more than…
-
How to find a decent Mortgage Broker?
Hi everyone Quick Question: How can I find a decent mortgage broker - whole of market? I am looking for one in the Edinburgh area. Thanks!
-
high mortgage and too much debt
Hello everyone. Its taken a long time to get to post this thread but enoughs enough. We have what we consider huge financial problems that are weighing our relationship down and we urgently need some help. Rather than a long paragraph going into great detail about what's going on I will firstly lay out the facts.…
-
Can anyone advice on this insurance/mortgage issue?
Took out a HSBC mortgage a month ago. I was "strongly" advised to take out one of their income protection products during the application process and was given the impression that my application would not be successful if i didnt take their policy. To avoid complications i reluctantly agreed knowing full well i could get…
-
Would a new credit card have a detrimental effect on a remortgage next year?
I was on maternity leave last year, was ill and didn't keep as strict an eye on finances as I normally do. We went overdrawn. That is now paid off. I also took out a credit card with an interest free period and have approx £700 on it. I also used it for a continuous payment authority of £30 a month, but never got around to…
-
gifted deposit - can it be from an in-law?
Help please
-
Halifax reached quota of mortgages..true or false??
Myself and my partner are first time buyers and are buying a new home through persimmon homes. We have been using their mortage advisors and as this is the first time buying a house I dont really know what to expect, much about the process etc and sometimes i dont know if what they are telling me is true or they are just…
-
Should my IFA have told me what solicitor to use?
Hello I dont know if anyone can help me. I am buying a Shared Ownership property. Have been offered the property, signed paperwork to say i accepted the offer and gave details of my solcitor and mortgage company. IFA has sorted out a mortgage, we met about 8 weeks and he seemed quite clear with what was required. We…
-
Student loan and mortgage
I currently payIng back my student loan through my wage, could any mtg advisors tell me if I need to include this as a 'loan' when applying for mortgages? I've been told two different things by my friends one of which included it and the other didn't!!! Thanks
-
10 year fix help please
Hi our 5 yr fix with brittannia is almost finished, we need a new deal for our £40000 mortgage,house value around 110000. we have an appointment with Brittannia on monday to see what they can offer us, we have 14 years remaining but would like to pay off as soon as possible and we are wondering if a 10 yr fix and…
-
Mortgage during probation period
I recently done a four year apprenticeship where two years were spent working for my current employer. Having finished the apprenticeship I am now employed by the same company however I am only 3 months through the 6 months probabtion period. I tried one bank today for a mortgage however was unsucessful due to still being…
-
Retaining Mortgage Documents
I am in dispute with my mortgage provider about the natural redemption date of my endowment mortgage. The case has gone to the financial ombudsman. The provider can not provide any original documents to verify the start date, terms etc. They have asked me to provide them with a copy of mine. Does anyone know where I can…
-
Equifax
Equifax -- very bad for me I call them on 0844 and they asked a lot of Questions about your accounts etc and you need to remember every details to verify you then you have to send two ID's:mad: . I sent via their web site a message to call me never did and the call centre is outside the UK where they didn't pass you to the…
-
Lender can't find our credit report?
Hi All, This is my first post, so apologies if I haven't mastered the etiquette. We are applying for a mortgage and the lender can't find us on their credit report search system. We have recently moved but are still on the electoral roll in London at our previous address. We had a mortgage, credit cards and a car loan at…
