-
Credit Reports
Does anyone know whether Experian and Equifax credit reports show different things please? Thanks
-
Mortgage application timescale
Hi Im waiting on my buyers mortgage application being approved before misives can be concluded.its been 6-7 weeks now.their solicitor said 2 wks ago they were wait loans papers. Still no sign.should i be worried?. Thanks
-
halifax will lend 59k....only 17k short! what to do?
Hello My broker has just informed me that Halifax are willing to accept me for a mortgage of 59k instead of 76k. It's because I'm on a fixed term contract that has been extended once and is likely to be permanent but of course there are no guarantees. Obviously I've been trying to get a permanent job but no joy as yet.…
-
When to apply for a mortgage
OH and I are FTBs and have been checking out websites to see how much we can borrow. We haven't officially applied for a mortgage yet as my bank told me to find a property up to the value on the online tool first because the credit searches would have a negative effect if we then didn't buy straight away. But am I right in…
-
Mortgage Repayments
Hi, I wonder if anyone could help. My Ex-Girlfriend and I have a joint mortgage which we were paying off on a repayment basis £500 Interest £300 Capital per month. My Ex has now moved out of the house and is refusing to make any payments towards the mortgage. I have checked with the mortgage company and we are both jointly…
-
First Time Buyer Mortgage - Looking at Post Office?
Myself & my partner are also in the process of buying our first house. We have been using an Independant Mortgage advisor and thought we'd found a good deal & then she said she'd spoke to the Building Society in question and they werent comfortable lending to us (my partner works a lot of extra hours so this really bulks…
-
Mortgage advice needed
I am tied into a fixed rate mortgage until Sept 2012, the mortgage is interest only. The house was bought for £162,000 in 2007 and the payments are £752.45 per month. My mortgage is for £145950. I put a deposit down of £17,000. The houses have depreciated in value. To get out of the fixed rate I would have to pay £7,000.…
-
Awful customer service from Platform. What can I do?!
[FONT="][/FONT]Hi, Looking for some advice. My father died in December last year, and I inherited a property from him. He did not have a will so for the last 10 months we have been going through probate. He had an outstanding mortgage with Platform, who we had contacted to notify of the death, and also to try and come…
-
Hesitant to make over payments?
Hi, I’m currently on a 5 year fixed rate interest only at 5.49% with Standard Life. This deal ends on the 24/01/12 and we go on to the SVR that’s currently 5.54%. £141500 is outstanding and we purchased the house for £149000 in 03/07 95% at the time. The current lender more than likely won’t have any fixed rate deals for…
-
Remortage advice
Hi, this is my 1st thread so hope I do it right! I have 2 mortgages halifax and kensington. I am needing to remortgage as my combined payment is £870 a month which is hard to make. I am on a good salary and i have 40k equity in my house. The only problem is that i have mortage arrears and my credit rating is shot at. Is…
-
First time buyer...
Me and Partner have £70k Deposit and seen a lovely house we want for £190,000. We want to buy it but im worried that my credit score is going to mess it up and we get declined. hers is good enough. Will this be overlooked as we has a large deposit, and if we prove that we are easily able to afford the repayments along with…
-
FTB Mortgage, with CCJ in dispute.
Hi people, I had a good to excellent credit rating except I have a CCJ, which is in dispute as it was not my debt - long story. But this won't be removed for sometime if it proves I am not liable. I have a 80% LTV, property value is within 3* multiple earnings even with other commitments. I applied for a great mortgage and…
-
Remortgage with bad credit question, help appreciated
Hi all, I'm hoping someone might be able to advise. I have credit card debts (one old, one more recent, now at £2226 and £2040) which I am now paying off. I have a mortgage of around £35k which I've always paid on a house worth at least £90-100k. I now earn £21500pa. I'm looking to raise some money for a car and I thought…
-
Reducing Deposit, gifted deposit
I am struggling to get together the 10% deposit required for a mortgage at the moment. I have some equity but we are hoping to make a significant move up the ladder. I can afford the huge increase in monthly payments but I cannot get the 10%. A mortgage advisor mentioned to me once that I could get the seller to pay my…
-
Turned down for first mortgage :(
Turned down for a 95% mortgage from Nottingham B.S today. Mortgage was for much less than the maximum I was quoted as being able to borrow. Repayments would have been approx 450 pm, which is easily affordable given I currently pay 640 in rent! I have two credit cards, one of which I've recently (as in last week) paid off…
-
Lending Criteria Help Needed
Hi guys any help appreceiated here. I currently have an active default with a company called Aktiv Capital. It was a debt from HSBC that they bought I believe. I have never missed a payment to them etc as my credit file shows 36 months of clear payments at least the default being registered Dec 2006. What I want to know is…
-
selling endowments
We've made alternative arrangements for mortgage as the endowment won't cover but we're not sure now whether to let it run its course/cash in or sell? Anyone have any suggestions? Would like the money now but wondering whether we'll lose out on good final bonus, plus it has mpp which pays something too. Thanks. kytra40
-
Large deposit, not great Credit! HELP!!
I don’t have great credit. I want to apply for a joint mortgage with my partner who’s credit file is fine. We have £70k deposit for a property valued at £190,000. We are first time buyers. What are my chances or what are our chances of a high street Bank (who we both bank with) accepting us? Any ideas or Mortgage advisers…
-
Excellent Service from The Post Office / BoE
Hi All, I just wanted to let you know about the great experience I have had applying for a mortgage via the Post Office. I submitted my request for an AIP via their intuitive web-site and was immediately approved and provided with a certificate. Last Monday (7 days ago) I submitted my application for the full mortgage. The…
-
~Help/Advice Needed Urgent~re Mortgage company demanding money with no proof ~
Hi All.... REALLY hope someone can help here...:( Four weeks ago we had a call from our Mortgage company, saying that we were £440 (ish) in arrears.. We had previously had the same call back in June (ish) saying the same, and we then sent proof to the Mortgage company showing that ALL payments were up to date... When they…
