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Husband's Mortgage - can I be put on it?
Hi all My Husband and I are due to move back into his ex marital home for a while until we can sell and move on. I've never had a mortgage before and so I'm sorry if my question sounds dumb. I've checked my Experian and Equifax credit reports and have no CCJ's or Defaults listed on there. I want to make sure that both of…
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Valuation
Hi there Today the valuation was done on the property we are buying.Have heard from the people we are buying off and said there was no problems and the surveyer siaid will been recommending it to the mortgage company.Doee anybody have any idea how long we will have to wait for a decision from mortgage company any advice…
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My mortgage payments are DECREASING
I've just been caught completely off guard by a letter from my mortgage lender on one of my properties. They've said the mortgage deal I'm currently on ended on 1st March - this was an SVR deal following the end of my fixed rate deal a year or so ago - and that I'll switch to a new SVR currently at 2.5% and my payments…
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Any Chance
Just wanting some advice on wether I have any chance of getting a morgtage with the below defaults. Phone bill - £300 default on 20/05/2008 Cap One Credit Card - £632 default on 06/06/2008 Cap One Credit Card - £401 default on 08/09/2008 - While in DMP Barclays Loan - £7333 default on 08/09/2009 - While in DMP I know they…
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Mortgage on p/t wage ???? Where can I get one stressed mum
Hi I am single mom work part time wanting to get the ex of the mortgage. Can any one advise options for me. I only earn 9k a year plus working tax credit and child maintenace of 400. Per month puts me at around 19k per year. Am struggling to find a way to get his name of the mortgage.
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Sell or rent?
Hi, I apologise if the details I give are a bit vague, it's all hypothetical speculation at the moment! My partner has a flat that he has owned for five years, he bought it for 80k. His ltv was 90% so took out a 72k mortgage. It is very likely that the flat is now in negative equity, although not dramatically so. My…
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mortgage worry
please help, five years ago we made improvements to our home and consequently took out a further advance on our mortgage to fund the work. however, our broker made a mistake with the mortgage application and an interest only mortgage was applied for instead of repayment. on trying to change this my husband's business took…
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Help with mortgage at end of fixed rate
Hi everyone, I have never posted on an internet forum so I thought I would give it a go to see what response I get. I have a mortgage with First Active (now part of RBS I believe) that has just come to the end of the fixed rate term after 5 years. I was fixed on a rate of 5.49% and my statement says I will now move on to…
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Bank of Ireland mortgage SVR - should I fix?
Do I fix for 5 years or stay on the Bank of Ireland SVR? Any advice appreciated!! - Mortgage £84k, interest only, I make capital payments as & when I want/can - At 2.99% my payments were £208/month - New rate of 4.49% will be £312/month - I cannot switch lenders as I am in negative equity - BOI will let me switch to a…
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Am i in the wrong or is he being a Fool??
need some advice! Basically I've been with my partner 18 months we have a 5 month old daughter and another baby on the way. Before i met him he was with someone else for around 12 years and they owned a house together. When we first got together i lived with him in the house but it all got too much (she was letting herself…
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Remortgaging when living away - do I have to buy-to-let
I am currently looking at remortgaging my property but have been renting it out for the last year and will be for another year until my contract is up (living away in rented accommodation). My current provider knows I rent my house out but did not make me go on to buy-to-let, just charge a yearly fee of £75. My question…
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2nd Residential Mortgage & Another question
Hi all, I have a couple of questions: Firstly, I've got a residential mortgage with NRAM, with consent to let, and I have a tenant in there. I've had consent to let for two years now. I currently live in a rented house but would like to buy a new build on a development in the area, in the next 12 months. Q: Can I have…
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Mortgage Retentions
I need some information clarified regarding what it means when a mortgage company says that they are to retain money from your mortgage offer? To cut a very long story short the mortgage company said they wanted to retain £3000 for work that needed to be completed regarding some window lintels. I am right in thinking that…
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problems getting mortgage
My DH and I have been trying to buy a house. We initially tried to buy a house outright with cash, but that fell through and in the meantime we found our dream home. I say 'dream' it's nothing special, but has the room we need and in the perfect location, and a good price. Here's the crux. We have half the money in cash.…
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endowment people claim they don't know me or my policy. Help!
the last contact was in 2009. this related to the freez of the endowment payments, possible surrender and that the house was to be sold. but the house only got sold in 2011 (summer) and i sent the first letter to advise them of a change of address and the surrender of the policy in november. i sent an identical second…
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mortgage advice 75% ltv
property value 108k mortgage required 81k 5 year fixed rate any suggestions, possibly avoiding setup fee? thanks in advance
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Mortgage company taking direct debit on wrong date !
I hope this is the right place to post. I need some advice - we moved our mortgage to a better deal at the end of our fixed rate term, and the first direct debit to the new mortgage company is due out on the 1st of the next month. We've just checked our account, and apparently the company has decided to take the DD…
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HSBC Mortgages
Does anyone know about the application process for mortgages with HSBC? Are they one of the more difficult ones to get? They have a 2 year fee free fix at 90% LTV at the moment which we are going to see them about tomorrow. We have a combined income of £87k plus £8k bonuses/overtime. Would they take those into account? One…
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PEP= Endowment?
Hi, Back in 1994 I had a standard repayment mortage but wanted to remortgage to finance an extension to the house. I was advised by a broker to take out a PEP backed mortgage, usual blurb pay of mortgage with lump sum as well. This PEP was converted later to an ISA. I started to pay the monthly amount required. As time…
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Mortgage Pre-Approval With Job Offer Letter/Contract
Hi, I'm just about to finish university, and have a job offer/contract for £42k. I'm fortunate enough to have £20-25k from my parents for a deposit and am hoping to get a £150k mortgage (£170k property) to get on the housing ladder as soon as possible. I have a good credit rating, credit card and overdraft for 4 years…
