-
Mortgage with Arrears
Hi, I have been checking my credit reports with a view of getting a mortgage with my wife (who has excellent credit history). Experain indicated I had excellent credit (963) but that I wasn't on the electoral role (I have since registered with my authority). However, I ran a multi agency check and Equifax threw up a credit…
-
Help needed urgently
I am desperate for some advice please. For the last few months my mortgage company have been trying to get me to switch to a new provider. I have refused each time as my finances are very rocky at the moment (no job, but getting a small amount of work self employed) and I don't think another provider will take me on. They…
-
Cheshire SVR rate?
I'm currently on a SVR 2% above base rate so paying 2.5% on a repayment mortgage. Having looked for the original terms and conditions (which I can't find) does anyone know if they can put my rate up if the base rate stays the same. I had found a little paragraph on their website that states the SVR will guarantee to be no…
-
Shared Ownership
I am employed full time and my partner is currently unemployed but doing a 9 month course to become an electrician. We are renting at present but we will be moving out in May and my plan was to rent for another year, but then got to thinking about shared ownership, I pay £750 a month for the rent at the moment so I know I…
-
Can my lender do this? "Supplementary Terms"
I have just received a letter from my lender (SPML) regarding a "review and clarification" of its lending terms. There is one particularly concerning element in these changes which seems to imply that my tracker mortgage with is currently tracking LIBOR will now track their self-defined base rate, which I guess could now…
-
Second Home
Hope someone can help?? We currently have a mortgage on our flat of £45k (flat valued at 65k) and would like to now rent our flat out and buy another house. We have around £13k savings for a deposit but can anyone tell me if its as easy as putting down a deposit on a second property or would I need to change my flat to a…
-
pros and cons ....thinking of buying a property.
hi everyone, I have seen a house I would like to buy,its a 3 bedroom house with a pub attached that could be turned into another 3 bed house,there is also a steading included with full planning permission to convert into residential....all for £150.000. We own the house we live in,my husbands income is £40,000 and I earn…
-
Mortgage advice needed - partner split with ex
Hoping someone can help. Basically my partner bought a house with her ex about 6 years ago - for £165k - this was remortgages 5 years about for £235k. The house is now worth about £145k so obviously lots of negative equity! The ex moved out about 3 years ago - he never contributed financially and my partner has being…
-
What to to reget letter re incrase in svr on mortage
i have just received a letter re incrase in my svr on my mortage what should i do now
-
Re increase Of Standard Variable Rate
Hi can some please advise me to what i need to do as recieved a letter from my mortgage company re increase in the above await a resposne
-
Mortgage advice needed!
Hello This is the first time I have posted and looking for some general advice. We currently have mortgage in my hubby's name only (he had house before we met). Mortgage is £110k. House is worth around £160-£170k (not had valued but pretty sure give or take). We both work (hubby income around £34k and mine £23k. We have 2…
-
Best mortgage advice for low income but decent deposit
Looking for advice please... We hope to put our property on the market shortly - we have an outstanding mortgage of £90k and at our last mortgage valuation for the Halifax it was worth £150k. I'm in Aberdeen - thankfully the housing market hasn't dropped too much up here but thanks to the 'offers over' system I'm not sure…
-
Halifax withdraw their signed mortgage offer just before contract exchange
Hi, I've viewed this forum a lot in the past. But this is my first post as I really need some help. We have everything ready and just about to exchange the contract and Halifax telephoned me that they are going to withdraw their offer. I will make the story simple. Mortgage offer issued and signed. All researches done.…
-
Northern Rock advice please
I recently split from my wife and we have both moved out of our marital home. I'm thinking of renting out the house but due to a shortfall I would have to contribute to cover the mortgage. As it is a Northern Rock Together mortgage, I was wondering if it's possible to only pay the secured part? Would NR take action to…
-
Mortgage increases....
Hi all, I have read recently about the cost of mortgages going up. Mine is currently a tracker based on the base rate with Santander and I was wondering if/when will mine be affected? I have tried looking on their website for details but not been able to find anything. Thanks.
-
Advantage sold my mortgage.. advice please
Hello, I've had a letter from advantage to say my mortgage has been taken over by Reliance property loans.. does anyone know anything about this company? was a bit worried.. Thank you :beer:
-
Mortgage with parents?
hi all, im looking into getting a mortgage with my mum/dad as my partner isnt earning enough for affordability, plus my mum/dad wouldnt mind a stake in another property. they have around £ and a few years left on there mortgage for a property worth around £210000. i earn 26k and my dad earns 30k (mum a little less).…
-
When Should I Remortage?
I came of out of fixed rate roughly under 4 years ago and have automatically reverted to the BOE + 2.15%. Hence my mortgage rate is about 2.65%. I fully understand that rates will not forever remain low. I would like to know when i should be planning to ditch mortage while wave is still high. My projections dictate rates…
-
first time buyer who hasn't a clue!
Any advice much appreciated - looking for the cheapest deal. I have £50k deposit and had offer accepted on property value £156k. I've been looking at rates but getting confused.
-
Mortgage and pay slip
Hi all, Thank-you for taking your time to read this. =) A friend of mine has an approved mortgage in place, however the bad news is he might be made redundant due to various of reasons. He is not due to completion until mid April so he was wondering if the bank still requires any pay slip from him, as he might not be able…
