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Problems with recent ex's responsibilities with Mortgage
Hi there Hoping someone will be able to help. I have a house and mortgage in my name although a Deed of Trust was registered with LR stating I could not sell or do anything with the house without Ex's agreement as I am holding his 50% of the house in trust. Ex is now not willing to help with mortgage anymore although keeps…
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Mortgage for 2 properties
Really appreciate your opinions. I would like to upgrade from my present house (value about 150K with no mortgage) to a bigger one for 350k. I have found a house I like and for its deposit and renovation, would like to release capital of about 70% of my present house and then I would like to do minimal renovation of my…
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Northern Rock (Together) mortage fixed rate up.... What now?
Evening all, I am hoping people can help out with some advice... I am one of these silly people who thought the together mortgage from the rock was a good idea. At the time I was younger and I naively agreed with the broker I used that this was the best deal for me. I signed up for an intrest only mortgage fixed for 5…
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Missold mortgage
A company called Sapphire Legal keep calling my partner saying his mortgage was missold and they can get him £30,000 back and that they are recommended by Martin Lewis and Watchdog. We cannot find anything on this company, no website or anything and the paperwork they sent had another claims company name on who say they…
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Aviva not notified us of reattribution - lost our rights
Hi guys This is quite an intriguing one! We have recently been looking at taking out a new fixed rate deal and was in the process of assessing the current performance of our endowment as part of this - to see how we need to further restructure our interest-only and capital replayment elements. On looking at our previous…
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self certification mortgages
do these still exist? who are they suitable for? who does them? Thanks
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Shared equity,Scotland
Hi I had a look at a new house today,full price £184950,there is a shared equity deal at 80/20 which would take the amount req to buy £147960. I have £17000 saved and I have a one bed flat that I'm hoping to sell and make £5000 if I'm lucky. I have a mortgage promise for up to £143000 with Halifax. I don't really want to…
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Helping the kids
My daughter is looking to buy a house and would like some help starting off. Unfortunately I don't have any significant savings, just a fair amount of equity in the house. Any suggestions as to what I can do to help her with her deposit. Many thanks. Tim.
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How to fund a renovation project?
Hi Me and my husband have discovered a renovation project close to our home but I am very confused as to how funding would work. We are first time buyers so have no current equity and only a small amount of savings (enough to cover a deposit) but no cash to fund the renovation work. Am I right in thinking we would need to…
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Un-mortgageable flat - advice needed!
Hi, We had a buyer on our basement flat who tried to get mortgages through three different lenders, the last being the lender who we currently have a mortgage with - they all refused based on valuations from two different surveyors, something to do with no windows downstairs therefore no natural light or ventilation. Our…
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Endowments
Hi all, Can anyone give me some sound advice about endowments????. I have still got an endowment with Standard Life which matures in 2020, it is currently worth about £8500 and i pay about £25 a month. Is it worth holding on to and keep paying the £25 p.m. or is it best to see if i can sell it. Thanks in advance.
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First Time Buyer Adverse Credit Advise
Hi Wonder if anyone can help. My son went through his younger years not realising the impact his credit score would have on him in later years despite my desperate pleas'. Anyway he has finally grown up and taking life seriously. His credit file shows some outstanding debts for small amounts which he is going to pay off.…
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Mortgage - a couple of questions!!!
Hi, I am thinking of selling my flat and paying up my debts with part of my equity and using the rest as a deposit for a house. Can someone please help with a couple of questions that I have regarding this? * I need to pay my debts before I get my new mortgage - will I have to sell my property first, move back to parents…
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Mortgage Advice
Hi, i am looking for some advice in regards to my parents mortgage. Unfortunately my father passed away 8 weeks ago and the property has now been transferred into my mothers name. Currently i am not sure what to do as my mother has no income and whilst my father was alive I was helping to pay the mortgage. I have now come…
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Borrowing extra money from parents for a deposit?
We are first time buyers and currently have a max £40000 deposit from a combination of savings and money from parents. However, to afford the property that we want to buy in London we really need an extra £10,000 for the deposit. We would be buying the flat we currently rent privately through our landlord, and at a very…
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FTB Joint Advice
Hi Myself and partner are looking in the next month or so at applying for a joint mortgage. The houses we're looking at are around the 100k mark and we have 15k deposit. (15%) Currently, I have a credit card / store card with no balances apart from the odd £100 which is paid off at statement dates. I have a loan with…
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Mortgage without Indefinite Leave to Remain - HELP
Hello, I'm trying to get a mortgage with my British partner, but I'm on a work permit and have two more years before I can apply for residency. We have a 10% deposit and strong salaries. I've been in the UK for three years and pay tax. Has anyone had any luck in finding a mortgage provider who will lend to people not…
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Mortgage with ccj's
My wife and I took out a seven year mortgage in 2005, six and a half years ago. We are now in the process of having to find a new mortgage. The problem is, in 2010 when we started to look at a new mortgage, it transpires that we had three large ccj's against us with default dates of Sep 2006 - March 2007. We paid them off…
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Who to consult for structural changes within a house
Hello all, I just bought a 3-bed end of terrace house and I want to make some changes within the house. I want to remove a pillar within a kitchen. Kitchen wall falls towards an alleyway, i.e. not connected to the next house. Now this pillar that I want to remove is a load-bearing pillar. So before I give a go ahead to my…
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Remortgage v loan
My fiance is half owner of an inherited property. the other half owner wishes to buy it. They have no credit or debt issues and pay everything on time. They already own a property which they hope to sell, but not before getting the inheritance house done up. They are presently considering a loan but I wonder if they might…
