-
how can i see/obtain deeds?
Earlier this year we paid off our Halifax mortgage. When i asked about the deeds i was told they were not issued anymore but electronically held. However i need to see details regarding my property which says refer to ' Deeds' so how can we go about this?
-
Skipton BS, credit check scores? Please help
Hello Me and my partner both work full time. We went to see Skipton yest for a chat. On the affordability side they are happy to give a mortgage (they also saw bank statements etc). It will be a 95% mortgage. Anyway I am confused by credit scoring? Paid for Call Credit credit reports (£12 each!) and my score is 628, other…
-
Quick question concerning ING mortgage offer
Hi, just a quick question. we have received our joint mortgage offer from ING Direct and are ready to sign, but a little confused. It says 'signature(s) need to be witnessed separetly' does that mean we need 2 different witnesses??? or can the same person witness me signing and my wife signing at different times??? Thanks…
-
Can a lender change the terms of mortgage after completion?
We had our offer & completed in December 2010. We had ported 2 rates, tracker and a fixed rate & topped up with a new fixed rate. The ported fixed rate expires at the end of this month & we have been advised that it will mature onto a different product (& higher one) than stated in the offer. Can the lender do this ?
-
Mortage for about £100k at 19 on my own?
I'm 19 yoa and last month I started my new job which I should be earning £25k before tax, I have no savings and a tiny bit of debt which will be paid off in a month, I'd probably be about £3k in the black if I sold my car. I've not even had my first months wages yet. I could get 2 decent guarantors and my current outgoings…
-
Repossesion order
We have been given notice of a reposession order. Our arrears are 5k. We were overpaying our mortgage by £200 a month to sort this, the lender was happy with this agreement. I dont normally pay, hubby does so when I rang to make the payment I wasnt sure of the exact amount, I said the amount I thought it was and hoped the…
-
Cannot get loan or remortgage with £160k equity
Some serious advice wanted please. Wanting to raise around £20k or either remortgage for around £80k total, problem! 2 ccj's 1 for £500 comes off in Oct, one for £2500 as 2 years to run both unsettled but would be settled if successful. Wife and mine income £48k gross both aged around mid 50's. Present property valued…
-
covenants... help
We are in the process of buying our first house. its an ex council house, bought by the current owners some time ago. something that wasnt mentioned earlier is a covenant for the upkeep of the road. the road is not private, but still has coincil houses on. the ammount of the covenant has not been mentioned yet and will…
-
Remortgaging for 15k equity
Hi all I purchased a house for 100k with a 90%mortgage only 16months ago, i have had interest in the house as it is in a popular first time buyer road for 115k but i do not want to sell. My question is can I remortgage this propery and use the equity to continue to develop my business or is this not possible at the minute.…
-
Loan to value ratio - paying less than house valuation
Hi there I'm new to the site so please be nice:) My partner and I wish to buy a house, we have around £20,000 saved up. We are looking at houses worth around £200,000 We have seen a house we like - it is on the market for £215,000 (offers over, we're in Scotland). It has been valued at £215,000 on the home report (I know…
-
building abroad
Where or who would be the best places to seek advise on building a house abroad and where to get a mortgage or loan to do this. My partner and I have looked at building a house in the Dominican we both speak Spanish so there is no problem with the language. Are aim is to build in the next couple of years but it is mainly…
-
RBS to defend against U.S regulator action
The Royal Bank of Scotland says it will vigorously defend itself against US government claims it misrepresented the quality of mortgages it sold. The US Federal Housing Finance Agency (FHFA) has filed lawsuits against 17 banks, including RBS, Barclays and HSBC, over mortgage-based investments. Full story HERE
-
Am I Mortgage-able?
Hello, Yorkshire Building Society are taking about forever to process our application for AiP, much to the annoyance of us and our potential vendors, giving me plenty of time to get myself in a stress about it. Just checked my credit score with Equifax and was pretty mortified to find that although my credit score seems…
-
Mortgage and underwriting
Hi everyone My wife and I have just applied for a mortgage and got the Agreement in Principal. We'll be applying fully next week. We have been asked for current statement, payslip etc. What I have a small concern about is my statement. In June I was hit by a car and fractured my spine. In July, due to extra expenses as a…
-
Zoopla
Does anyone use this site? My mortgage broker told me to have a look on their to see what house prices are saying. It states that mine (1 of 5 terraced) is worth about £10k more than any of the others even though the last sale price was the same. Who puts these statistics on to the site and how accurate are they? I don't…
-
Buy to Let Mortgage Mis-selling??? Help please.
Hi, I took on a Buy to Let mortgage in 2007 putting down a 15% deposit. I have now long since gone back onto standard variable interest rate. When I approached my bank about possible product change, they advised they no longer do BTL's so I would need to remain on the standard variable rate. When I enquired elsewhere with…
-
Want to change but new FSA rules stop us?
Son and I were about to change our mortgage to another company, and save approx £200 in monthly payments as the rate would be lower. Advisor told us that this would not be a problem - but we were refused due to my being to old! (Indignant!!) He said that the FSA had brought out new rules and that we would not, therefore,…
-
Mortgage Understanding
Hi, wondering if anyone can enlighten me. I am currently having a look around for a mortgage and my first home and have confused myself with how much I can afford. I know that the on-line mortgage calculators are just a guide and as such I have been treating them as that. Now here is where I have confused myself. As an…
-
Lender won't "port" mortgage due to affordabilty
First time poster so appreciate any help. Thank you. My wife and I have held a mortgage for 6 years and for the past 4 with the same lender. We want to move house to be nearer my work (and therefore save money) and have accepted an offer on our property. We have also made an offer on a property near my work that is £2k…
-
should I or shouldn't I ?
My mortgage has 2 parts, one is a repayment and the other is an interest only loan. My question is , I may be in a position to pay off the interest only part, but will I have to pay an early settlement fee ? Any advice will be appreciated. Thanks in advance.:beer:
