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mortgage gone to underwriters, panicking now
So after our AIP, and a mix up with paperwork, building society FINALLY got our application. I've noticed that since OH moved some sums of money from savings to ISAs the banks have credit checked (money laundering checks) and this has brought his credit rating down, so we're annoyed about that! Anyway, things have been…
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agreement in principle...
Hi I am a newbie on here looking for advice, please can anyone help? We have quite a tricky situation so here goes: * I own flat and am currently going through legal process of staircasing to 100% and then plan to get CTL from Halifax, not sure how long this will take. * My wife will be remortagaing from a residential to a…
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First time buyer: will i get a mortgage?
Hi all, I don't know a heck of a lot about mortgages and would appreciate some advice. I've read loads of info online (and Martins PDF) and all I seem to find is conflicting advice on wether or not I would be able to get a mortgage. I would be a first time buyer with (hopefully) a 10% deposit. Havnt checked my credit…
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What Can Derail This Sucker 2: Electric Boogaloo.
The bank called me up to request permission to take money to conduct a valuation today. What, from this point, can go wrong apart from the valuation not being successful? Have they finished pawing through my finances? Or is there still a chance they could fist me on affordability or credit checks or some such nonsense?
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I'm a bit lost and I wouldn't mind some help...
Ok here's the deal. Split up with my partner and have had my name taken off the mortgage. I can stay in the house until the end of June then I've got to sling my hook. I would quite like to get back on the property ladder, and there are quite a few bargains to be had where I live (S Wales Valleys). However I've only got…
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How long should a remortgage take
We are currently remortgaging and was wondering roughly how long should it take after the mortgage acceptance to completion.
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Job offer overseas.....mortgage options
Hello, This is my first time posting, so please be gentle!! I have been offered a job in Australia for 3 years starting in October this year, I need to give a response to my work by the end of this week. I approched my mortgage lenders today (First Direct) asking about renting our property out for the duration of my tour,…
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Woolwich Mortgage
I have a £250K mortgage with Woolwich (now Barclay's) and trying to remove my partner from it. I have sent them all the proofs of income etc. necessary. After many months, letters and calls I feel I am getting nowhere completing this process, needless to say the customer service is not very good. I just went to complete…
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Deposit gift from parents
Hi - I was wondering if someone could help me while I was to hear from FA? We have a mortgage offer from Halifax. I had given our information to the FA and everything was sorted. Our parents are topping up our deposit for us. We have £50k and are getting a further £18k from them as a gift. I had let the FA know how much…
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UK mortgage with Irish Credit History
If I apply for a mortgage with the Bank of Irelands Northern Ireland branch, can they check my records with their own company, but the Republic of Ireland branch?
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What to do?
Hi - Can anyone offer any advice pls? My son's partner decided to leave the family home 2 years ago and go live with her parents some 3 hours away. Initially she said that she would cover her half of the mortgage. She then said a year ago that she couldn't afford to pay her half any longer leaving him to stump up as well…
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Will anyone give me a mortgage?
Hi I am getting a divorce and my house has just gone on the market. I don't want to sell and would like to buy my ex out. We paid off our mortgage some years ago. I would need £165k to do it. I'm 54 and I earn £15k. I do have some savings, probably about £90k. I have absolutely no idea of what I can do - my ex always…
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How long for a mortgage broker to get back with a decision in principle?
Hi there, we are new to mortgae practices so would appreciate any advice anybody has. We went through a call with a mortgage broker at the beginning of the month and then sent him copies of our passports and credit reports and he said he would get back to us with a figure in terms of how much we would be able to borrow…
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Going for a sole person mortgage - pros and cons?
Hi My husband and I have a joint mortgage on our property, which we have had for 6 years and never defaulted on. We can now afford to move, but here's the snag: our current lender will not let us port and borrow more as I am on a probation period in a fixed term contract (the irony being that I took that job to gain a…
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CAB for Mortgage Advice
Hi all. Myself and my partner need to get some advice about our mortgage (it's quite complicated, so I won't bore you with the ins and outs here). I was wondering whether the Citizens Advice Bureau was a good start or would you recommend a mortgage/financial advisor? Thanks in advance
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Deposit question
Here is the situation. I own a 100k property outright in Scotland. I want to buy a second home in England for around 150k, time will be split between the two. Is there any way to use the first home to waive the deposit for the second or will I have to go down the equity release route...
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Personal details on mortgage post divorce
Hi all, My divorce has finally completed after a rather drawn-out process. Since we separated our former home has been let out; under the terms of the Declaration of Trust we signed as part of the financial settlement it will remain let out and owned under both names, but as tenants in common rather than joint tenants, and…
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Poor Credit Help !!
Hi my wife and i currently have a mortgage with an adverse mortgage company,and are paying horrendous amounts of money each month.Now 2 years have elapsed we are able to shop around and remortgage.Unfortunately my credit history is poor while hers is excellent.Anyone got any advice please.She doesnt earn enough to put the…
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Buy to let mortgage
Hi I am considering remortgaging my existing property which is currently mortgage free to enable me to buy a second property which I would then rent out. My question is can I set my mortgage payment costs against tax? Thanks
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What does a Remortgage Surveyor look for?
We are getting our property remortgaged, and a surveyor will be comming to our property to check it out. It is from a bank What things will he look for? size of rooms? amount of rooms? wall structure? and are your answers assumptions? or you know from experience ?
