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Mortgage in Scotland
My daughter and husband currently live in England. They are hoping to buy a property in Scotland and have been informed they have to get a Scottish mortgage. Is this true? Also, we had a mortgage with the Virgin One Account. Do these type of mortgages still exist and would you recommend this type? Many thanks.:)
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Standard Life to Barclays - breaking contract?
Hi, I am on a 5.35% fixed rate with Standard Life. I have just received a letter from Barclays stating that the sale of Standard Life to Barclays has resulted in my mortgage now being with Woolwich. The fixed rate stays the same but they are removing some of the flexible benefits such as the cash reserve, prepayment and…
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Halifax bank statement check
Hi. Quick question. We have got AIP with a B Pass and Halifax have asked to see last 3 months statements. I have my sisters Housing Benefit and tax credit going into my account as she has problems spending sensibly. Will the Halifax ask questions about this extra money coming in? Should i explain before hand or are they…
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Mortgage confusion!
Hi We financed 30k of our house purchase with a loan from my sister and brother in law (after Nationwide reduced their offer to us due to student loan debt). At the time this was coming from their savings so it was going to be the simple case of paying it back with a suitable % interest figure for the number of months that…
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Remortgaging if history of claiming JSA
I have been looking for a new job for several weeks but not having much luck so I'm thinking of claiming Job Seekers Allowance (I don't want to but needs must). The endowment policy that I took out to cover the interest only part of my mortgage matures in November but like most peoples wont be enough to cover the amount…
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Mortgage broker - will they advise?
Hi, am wondering whether to have a free consultation with a mortgage broker to ask some questions BUT not sure whether these questions are the sort they will not want to answer during said FREE consultation lol!! Basically, We’ve lived in our privately rented 3-bed roomed house for the past 4 years paying £650 a month.…
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Nationwide BMR - still safe?
I have 17 yrs left to run on a mortgage of £25,000 and have been enjoying the BMR of 2.5% for the last few years since my previous rate ended. I am widowed so can't afford to risk having the repayments shoot away up if the rates rise. Should I apply for a fixed rate now? Doesn't seem worth my while for such a small…
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Mortgage following divorce
Within the financial settlement it was agreed that as my ex was not paying towards the house and had not been for sometime that I would keep the house. I contacted the bank and applied to transfer the mortgage. As my ex had been wreckless there was a lot of debt and the bank said although I could afford it on my salary…
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Nram successful mortgage porting
Just wondering if any nram customers have sucesfully ported their mortgage? We are awaiting the decision from our affordability application but cant get any sense from customer services who keep telling me that the porting department are busy! Really curious to know if successful ported mortgages have been completed with a…
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Obtaining a Mortgage 6 Months Prior To Job Start Date
Hi guys, I was just wondering what anyone thought of the possibility of this. I am in full time employment, and my girlfriend has just been offered a teaching job starting in September. Obviously we are delighted that she has been offered a job so early on in the year as it has given us plenty of time to plan what we…
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Anyone used post office mortgages recently
Just wondered if anyone has used the post office for their mortgage recently. We are very close to putting an offer on a property had a AIP with the PO which expired last week but were planning on using them for my mortgage. However I wondered if anyone has been turned down by them after having a yes at AIP stage (this was…
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Wrong copy of mortgage app sent
Afternoon A quick query if anyone can help please. I remortgaged a few years ago, but the first quoted application did not go ahead, it was a little time later, about 4 months after we did take out a remortgage with that same company. When I asked for my paperwork on request by paying the £10 charge, they sent me the…
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Need 300k. Quickest and cheapest way to obtain :re-mortgage?
Hello I need 300k inthe next couple of weeks for an investment. I have the money but it’s currently locked in and Ican’t obtain it until next year. I currently have a mortgage with the co-op and have a nilbalance, with a 120K overpayment fund. I.e. I can withdraw the 120k. Co-op hassaid if I need more I’ll need to reapply…
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Complicated Remortgage - help!
I jointly own 2 properties with my wife with a joint mortgage on one of them. The property the mortgage is actually on is worth £500,000 and the mortgage is approx £280,000 with a flexible tracker at 1.49 above base rate (17 years left to run). The other property is worth £525,000 approx. We need to move the mortgage to…
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RBS Re-Mortgage Process
Afternoon All, I wondered if anyone had any knowledge of the RBS/Natwest mortgage process. Been credit checked, and the applications gone through, but the paperwork hasn't come through the post yet, nor have we had our house valued. Little worried as they orginally said we could have the amount we wanted and then after…
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Advice/help on parents death.
Hi, Not sure if this is the right place to put, this is my first post, sorry. My father passed away a two weeks ago and as I have no contact from my mother and I'm quite young and just wanted to know if anybody could give me any advise and things I should or shouldn't be doing regarding sorting out my father's estate. We…
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Buy To Let's
I've got a BTL mortgage of £50k against a property value of £150k. If I were to re-mortgage this property to release another £50k of equity which I then use as a deposit for a second BTL, am I right in thinking that I can only offset the interest part of the original £54k on property 1 when self assessing, but that I can…
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Misled by Mortgage Broker
We originally arranged our mortgage through Countrywide mortgage consultants. We were happy with the service we received and had no problems. Two years after our original agreement in principle was agreed another Countrywide representative called me and said that our mortgage term would be ending very soon and that to…
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Skipton mortgages
Hi all Can I ask for an opinion on our situation please? We sold our home last year and moved to a rental as we had a view to building our own house. For a number of reasons, we have put that plan to one side (too stressful mainly and not for us at the moment). Anyway, we have now found a house that we love. We have a 10%…
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Endowment Help
Hi Folks I've been reading the posts on claiming back on mis-sold endowment policies but still not sure if I can. When we were informed we would have a shortfall we were as stunned as everyone else as we were told at the time of taking out the endowment that it would cover the mortgage and give us a tidy lump sum, as…
