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Can't get mortgage any advice??
Hi, My wife and I are struggling to currently get a mortgage. We've been turned down by Santander and NatWest. We have a 10% deposit but I have a Default on my credit file for £900 dating back to 2006. We have had a mortgage before for 15 years but sold and are currently in rented. Combined earnings are around £62000 and…
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selling house but keeping mortgage?
Hi there, my house is currently up for sale, if/when it sells, I need to pay some of the money to my ex, but can I then keep the mortgage on while I look for something else? I have to sell to pay off my ex but don't really want to step off the property ladder as I'm 46 and self employed, I would find it hard to get back…
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FTB couple: One employed, one self employed
Hello, I just need some advice about mortgages. My husband and I are hoping to buy our first home next year. Because we both work in London we will probably only get at 2-bed place for our budget in outer London. The asking price of a property in our neck of the woods is about 270 - 280K, though they usually sell for about…
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Goodwill gesture
Hi all, We have just had a letter from the Halifax saying they have credited our mortgage account with £4000! Can we have this in the form of a cheque? we are existing customers,and not in arrears! thanks in advance:)
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Can anyone recommend a reliable broker in SW London?
Hello, I'm a first-time buyer and have found a flat in SW London I'd like to make an offer on, so I'm looking to speak to a mortgage advisor. Can anyone recommend a good, reliable and trustworthy broker based in London who can help? Thanks in advance.
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Advice
Hello, thanks for helping me out. I live with my GF in a house which we are considering part exchanging and we are keen for your expert advice. Our house is worth £110k and we have around 45k equity within. The house we are looking at is up for £299k and we both earn well enough so that payment on this jump wont be a…
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Abbey mortgage application
Hi everyone, I hope you are well! This is a long shot but I don't suppose anyone knows whether Abbey ask whether you have ever had an IVA in their mortgage applications? I'm desperately trying to find a 90% mortgage but I was discharged from an iva a year ago. I've read a post on here from someone saying they got a…
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Joint Mortgage With Ex
Hoping desperately someone can give some advise please? Here's where I'm at. Bought house with ex in 2002 for 155k. She left about 4 years ago. We still had joint bank account which she had wage paid in and I paid in half the mortgage. Mortgage was then paid by direct debit. Unfortunately, she was taking the money out that…
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off set
Is it possible to get a buy to let mortgage that is off set thanks
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Nationwide mortgage overpayment query
Hi Been making overpayments to my mortgage for the last few years. currently on a fix year fix @5.6 ending 2013( fixed before all the boe rate dropped). Outstanding £34K ,Over payments approx £200 per month, made a overpayment of £500 last month which generated a letter that my monthly repayments would drop from now going…
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Mortgage Re-application - FTB Advice Needed
Me and my partner recently applied for a mortgage in principle and got rejected (by 3 lenders) due to my partners 'adverse credit' (a default payment which has now been settled). So im now going to apply for a mortgage on my own and put down a higher deposit and my OH will pay half of the costs etc. Would I be better off…
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Mortgage offer and changing job
I have a motgage offer and we are due to move house in January. I have been offered a new job that will start in January but it will be with the same employer. The new job is a temporary contract for 6 months. If I take the job will it jeopardise the mortgage offer that we have in place (as it is a temporary contract) and…
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Dilemma-no equity, but need a new mortgage deal
I am separated from my wife and will divorce eventually. We have a £142,000 mortgage for a £160,000 house. My wife wants to be removed from the mortgage and deeds, to enable her to possibly claim housing support/benefit. The mortgage lender-'first active'-need me to make a new application for a new mortgage, based on the…
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WHY are my endowments underperforming?
Is there anyone who can explain to me why, if for 16 years up to 2008 the economy was booming, were my endowments STILL thousands of pounds off track? I could understand it if they had started falling behind SINCE the markets crashed but I've been receiving warnings since the turn of the century. Is this normal?
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In need of ideas to reduce mortgage payment?
My property is worth 155k with 120k outstanding. The term is 10.5 years. The term is at its maximum due to the joint owners age. It is a repayment mortgage with the current rate ending in March 2013. A £3600 early repayment charge. I want to avoid selling the property if I can. The joint owner has their own property and…
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Re-mortgage/credit check advice please
Hi, I am a new poster on this site, but have valued the information provided over the years and hope somebody will be able to advise on the following... Outstanding mortgage £72000 House vale approx £200,000 Credit card debt £5200 on 3 cards with a total £21,000 limit Overdraft £2,200 on a £3000 limit Annual gross income…
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Mortgage Exit Fees
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getting repossesed please help
Hello, i'm just looking for a bit of clarity as my situation is very daunting and i haven't got a clue what's going on. basically i bought a house with my ex 3 years ago, paid 83k for the property and took a secured personal loan for 9k so the mortgage totalled £92k about 3 months after we bought it the property market…
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eviction date from northern rock
hi i had an eviction date for 7th oct 2011 i had arrears of 16,000 i paid £8000 to have eviction stopped then like a fool missed my payment arrangement of £863 in november i called northern rock on 9/12/11 to ask if i could make a new arrangement and was told no they have reapplied for a new date the eviction well go ahead…
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Need £4000 for deposit ...
Sorry I posted this in loans section before and was advised to post here.... OK so me and my partner have 33k for a deposit but we've been stupid and find ourselves 4k short on what we need to cover deposit + extra fees to purchase a property. We're close to completion and panicking a bit. We thought the money was gonna…
