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Problems with switching Nationwide mortgages online
My current 2 year Nationwide deal ends at the end of Feb. Nationwide are offering me £300 cashback if I choose another of their mortgages, plus another £100 more if I do it online. Before anyone asks, I have looked on a number of price comparison websites and taken the cashback into consideration and the next cheapest deal…
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Mortgage Guarantor
Hi Can a person who has a joint mortgage have the joint person removed and arrange for a guarantor to enable them to keep the home and pay the mortgage? (With consent of course.) My cousin has been seperated from her partner for around 4 months, her ex has been paying half the mortgage on their home which is on a joint…
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Mortgage for temporary workers
Hi all, I am looking to purchase my first properties, but I have a few questions and hopefully I can get some advise from you guys. I just started a new job 3 months ago, which it is a temporary to permanent role. Everyone work for this company start as temporart to permanent. Hence, my contact does not particular stated…
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Remortgaging from a first time buyer
Hi all we're just coming to the end of a 2 year first time buyer fixed rate mortgage with halifax. We'll be right on the limit of 85% LTV which most places seem to have as a maximum for a remortgage. This would give us rates of between 4% & 5% for fixed rate deals. the variable rate we would be going on to with halifax is…
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Who does Santander use for valuation?
Hi, I was wondering if some one could help. Does anyone who Santander us when doing a valuation? Do they use Esurv? Thanks
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Partner Rejected for Mortgage - Question Regarding Credit Report
Hi everyone, My partner recently applied for a mortgage and was declined due her credit rating so we run a credit check with experian. Her report has come back and her score is poor. We are confused with her credit history with Orange mobile. It states on her credit report that she was 4 payments late and it has flagged up…
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Mortgage from specialist lenders to Banks?
If I was to get a mortgage from a specialist lender as I have a CCJ Would I be able to change to a high street bank/ lender with better intrest rates after the CCJ is removed from my record? And is there a huge different between high street lenders to specialist mortgage lenders? thanks for any advice.
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Build Now, Pay Later
My one big ambition is to build a great big green house - a 4 bed eco friendly place with fewer energy bills, it won't be green at all, probably more of a typical brick looking colour. One of the papers had a story today about something called 'Build Now Pay Later' alongside the government saying that they are trying to…
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Income & Affordability - Help for the self employed please!
I hope someone might be able to help me with the situation my family is in. After having a couple of children later on in life, the need to move from our albeit comfortable 3-bed semi to something larger is becoming quite pressing. For the type of house and location we're after the price will be in the region of £450,000.…
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How do I take over the whole Mortgage
Ok the current scenario is as follows, I am in a joint mortgage with my mother. What we would like to do is for me to take over the entire mortgage, the theory being that I am 25 years younger and earn more money I should be able to get a better mortgage than our current rate and it free's up my mother to travel etc What…
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Changing the name on my property deed and mortgage
Hi All I want to change the name of the person on my joint mortgage mortgage. I want to take my ex partners name off and put my new partners name on. I have contacted my mortgage provider (RBS) and they said it will cost £150 to change the name on the mortgage. My questions are as followed... 1/ How much does it cost to…
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Yorkshire Building Society
Has anyone else had any problems with YBS ? I applied for a deal on the YBS website to re-mortgage my home as my 2 year fixed with the clydesdale was nearing the end of its term. I sent a cheque to them for £195 and they had someone come and value my property which i told them was worth £210000. They then called me back…
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What is the best mortgage for my situation?
I am currently back living with my parents and I would like to buy a house (around £100K) to live in so that I can move out. I already outright own a house (around £100K in value) which I rent out to a tenant, I want to keep things this way (i.e. not ask the tenant to move out so that I can move in). I am self employed and…
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Borowing extra on mortgage?
Hi all , first post here but after some genuine advice. We are looking to borrow some money , around £15,000 possibly. Can anyone suggest the best way to borrow this amount ?..... Add it to our mortgage and increase payments over the full term ? Get a loan and repay over a far shorter term? Any advice would be great Thanks…
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Mortgage and the electoral roll
My girlfriend and I moved into a rented property early this year but completely forgot about sorting out the electoral roll until the council started sending people round in October. We missed the 2 home visits and received a letter telling us if we didn't respond we would be fined. I filled out the forms and posted them…
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Opinions on my situation please
Hello all, I hope someone can give me some frank opinions on my plan of action. I am hoping to buy my first home in the UK in a few months. I've been working abroad for some years and finally have a job offer back home. I will be relocating in February. The job offer is temporary 6 month contract, extendable on completion.…
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Mortgage advisor issues
My parents have been trying to get a mortgage but because of their age and a few missed payments they are really struggling. They sold their old house and moved into rented whilst they looked for a new place. When they sold their house the mortgage advisor told them he had found a mortgage and they had been accepted for…
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small overpayments to mortgage are they worth doing ?
just a quick question is it worth paying small over payments to a mortgage ie 10 quid here 20 quid there , those sort of payments as and when ? ive seen loads of threads on large £500 over payments unfortunately i couldnt do that, but every now and then i think i could at least give £10/£20/ maybe 25 quid extra to the…
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Mortgage with 'settled' defaults
I will be looking at getting a mortgage in the future but have a couple of defaults that I will be settled by then, whats the chances of getting one? I know the rates will be really bad if I get one. I will be looking at borrowing £45,000 on a wage of approximately £16,000. Thanks.
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Advice for friends looking for mortgage. Please help.
Hi everyone, I don't yet have a mortgage but two friends are thinking about buying a house. I would very much like to help them and give them some sound advice as they are new to it all. Please can anyone tell me if what i have told them so far is correct: I explained that before they do anything it would be beneficial if…
