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Mortgage please help :(
Hi All Ive not dealt with my finances for sometime and just stuck my head in the sand. I dont really have any big debts other than the mortgage. As long as ive always been able to cover bills then ive been happy. I now have 2 kids and childcare is costly, slowly my balance has gone down and now at the stage where i need to…
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Mortgage rejected, with good credit rating
Hi people, I have just got a rejection from a mortgage product with no reason. I have a 20% deposit after hard saving for years, good/excellent credit rating and a mortgage which is less than 3 times my salary. I thought I was a brilliant applicant! I have put down solicitors and conveyancing money and am worried this…
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Are my calculations/thoughts correct.....
We are in the process of selling our house and moving up the ladder :) The difference is circa £50,000. We do have this amount saved in anticipation of the move plus money for agent fees, SDLT, registration fees etc (we have been putting money aside into ISAs etc for the last 2-3 years in readiness). My question is are we…
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Right to buy mortgage advice please :)
Hi All, I am a complete mortgage n00b so please excuse the daft questions and the need to have things explained to me! I did a brief search on here but don't seem to be able to find what i need in the hundreds of results.. So here we go... 1. Do we need a deposit on the mortgage? We get the max discount on the property…
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FTB low deposit & DMP
My husband and I have been trying to buy a house on the First Buy Scheme as we have a low deposit but are easily able to afford the mortgage. I have been on a DMP for 4 years and will have cleared all of my debt in about 3 months and so my disposible income will increase greatly. I have never missed a payment but 2 of my…
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Please help!
I desperately need advice from a mortgage advisor who understands mortgages taken out in Cyprus - the mortgage is in CHF. If anyone has any contact numbers/recommendations I would be so grateful. Thank you
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Source of Deposit
Looking to buy a house but i have a concern i need some advice on - Both me and my partner bought new cars in July so both took out car loans - my partner also replaced his motorbike and did some home improvements so he has 2 loans i have 1 taken sicne july. Affordability and income mortgage wise is fine for what we want…
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Moving house - port part of mortgage or get new fixed deal?
I think I know the answer to this but just wanted to post to check if there were any other factors to consider! We are hopefully moving house - had an offer accepted and a buyer for ours, so touch wood (in a combination of excitement and nerves!). Have looked at a few mortgage quotes and got some very competitive ones from…
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Borrowing extra money
Hi. I am currently on my banks standard rate at the moment as my fixed period ended a while back. I want to borrow extra money for home improvements. Will I have to pick one of the banks 'deals' or can I just stay on the standard rate. Is it classed as a remortgage?
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71 year old 1st time buyer looking for £25000 mortgage, help!
My dad has never owned a property but has seen a property he quite likes and its valued approx £25000. I know most mortgages are for a minimum of more than this. My dad currently rents my old flat from me that i will be wanting to rent out once he has left, but dont currently have a tennent lined up so cant borrow on the…
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re-mortgage help.
We are in the process of re mortgaging to raise extra funds for an extension, my current lender is not doing any re mortgages so we have swapped to ING, the offer came with free legal fees. Mortgage offer all ok, all signed and returned so expected fees to be release end of this week. Our property is a freehold, the…
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Miss-sold Mortgages Help
Hi guys, I need help if possible, We have all done it signed without reading or understanding. I took out my mortgage 4 years ago with Preferred who are no- longer trading and were managed by the dreaded Capstone. Now Capstone has disappeared to be replaced by Acenden. Now with regards to the mortgage they pretty much…
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Natwest mortgage erc refunded
Evening... Background info: I have sold my house with ERC penalties and we have recently accepted an offer on my partners house. Have you ever known a mortgage provider (NATWEST) refund the ERC after the stated 12 weeks? My partner has encountered some delays on his buyers side which means we may complete a few weeks after…
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Re-mortgage advice please
Hi anyone know of any 95% deals currently please?
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Mortgage on a residential/commercial property
I've just been told by a mortgage broker that no lender will give us a mortgage on the property we want to buy because the front room is a shop and therefore a commercial property as well as a residential one. Does anyone have any experience or advice? I had no idea this was going to present a problem let alone a deal…
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refused mortgage?????
Hi all, this is my first post and I am writing it to let off a bit of steam to be honest but please contribute, I would like to know if anyone has had a similar experience. We paid off our mortgage :j last week. Did it in eight years. No debts at all. :rotfl: Yesterday we went to see a financial adviser to see about…
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Nationwide Repayments
Hello All, just wondering if I was doing the right thing or not? I have two interest only mortgages, £32.3k & £13.6k, both with Nationwide and on variable base rate (0.5%) which is currently alot better than the (5.99%) fix I was on. Not planning on ever moving house. Currently I put aside £400 per month aside, minus the…
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Please help,mortgage rejected, no reason!!!
It's been solved now .thanks for everyone
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Valuation report - Please help?!
Me and my boyfriend have applied for a new build home up for sale at £149,995. We passed the decision in principle and everything seemed ok, however halifax have sent someone out to value the property and they have come back with £130,000! Now Britannia (the company we are buying a house from) have got lots of evidence to…
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Bonus: Use to pay mortgage or deposit for move??
I'm getting a bonus from work, and am planning to move next year. So the question is - is there more value in a big overpayment on my mortgage OR saving the cash to go towards a deposit when I move? I have no idea which idea is better. Any suggestions? Ta
