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Accord Martogages anyone?
Anyone got good or bad experiences of Accord Mortgages? I'm trying to ignore the complaints due to them being swamp under due to the end of the Stamp Duty Holiday and peeps with poor credit ratings etc. Just want to know if they are best steered clear of.
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Mortgage advice on our situation please?!
Hi everyone, I'm not very clued up with regards to mortgages and I was wondering if any of you kind folk could give me a bit of advice regarding our situation. Basically I earn £33100 gross from a normal 9-5, but am also self-employed freelancer (and have been for 3 years) with last years profit being about £12,500 -…
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acceptance in principle letter
apologies if this appears to be a very silly question but, does anyone know what the AIP letter from Halifax looks like or how it is headed? Having never seen one before I'm not sure how it should/would read, and we are eager to get the information to the relevant folk
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Mortgage after owning property outright
Hello I was looking for some advice regarding purchasing flat as buy to let. I can't get a mortgAge as had a ccj about 4 and a half years ago but am soon to be in a position to buy the flat cash. I don't have or never have had a mortgage in the past. My question is if I buy a property cash will that put me in a position…
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Joint Mortgage - Ex is now refusing to pay half
Hi there i have a joint mortgage with NRam with my ex as the house is in negative equity the only option was to rent it out until sufficient time i could take it in my name. She is now refusing to pay half towards the mortgage as she now wants nothing to do with it so im after advice on what i should do? Is she legally…
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Credit report / mortgage advice
Morning, Several years back I behaved like a chump and got myself into allsorts of money troubles. I racked up a number of defaults - all of which were eventually paid off (although they were all "short-settled" with the various creditors. Credit Card A defaulted Aug-06, with a balance of £3K, it was satisfied also in…
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Mortgage after bankruptcy?
Hi there, just wondering if anyone has experience of this, or could offer some advice? Following a failed IVA / divorce voluntary surrender / bankruptcy I'm now looking to buy a house with my new partner. I was discharged from bankruptcy in 2010, and have had no issues since. Our combined income is over £50k, no…
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First time buyer advice
Hi, My partner and I are about to buy our first house together. Things have moved faster than expected and I'm a bit concerned about getting a mortgage. We have 30k of savings and she has no debt, but I have 5k left on a loan (finishing next year) and a further 6k on a credit card. I have a fair credit rating from credit…
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FTB or not?
My OH has a property in a foreign country and therefore doesn't qualify as a FTB. Unfortunately though, as we live and work in London there's not much chance of getting onto the property market without a massive deposit. I was therefore considering just me buying a property and leaving her out of the buying process. She…
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appeal mortgage decision
hi, i'm in the process of trying to sort a mortgage which was declined on the basis of a 'cross over of addresses'. my broker asked me to check my credit reports prior to appealing the decision. i can't find any information about how to appeal, it's with nationwide and wondered if anyone has experience of this. i'm…
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Mortgage Year-in-Year Calculator
Hi all - as the title suggests, I'm doing some financial planning and trying to work out the year-on-year reducing cost of my repayment mortgage. There are plenty of online calculators etc. but none of the type i'm looking for. i.e what I'm looking for is Year 1 because of the up front interest payments you've paid £1 off…
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how to deal with debt to get a mortgage
hi guys hope you can shine some light on my predicament i was in a very bad place a few years ago and got myself into debt no job, living in a bad area etc. iv had some defalts on my record, 5 in total all combined for less than £1200 2 of them come offin the next 6 months and the other 3 come off in the next 2 years iv…
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First time buyer - advice appreciated
Evening all, This is my first ever post, so please be gentle with me. My partner and I, whom I have been with for almost 8 years are tired of renting and we are now ready to buy our first home together, having saved a decent deposit. Now this is where I need some advice. Approx 12-18 months ago my partners father, who had…
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Help getting off a joint mortgage - desperate.
Hello, I've just signed up to this forum but have been a passive observer for many years! I really really need some sound advice on what to do... this is my story so you know all the details and the position I'm in. Back in 2007 me and my ex-partner split up. We had a house/mortgage together. After the split I said I…
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Need some advice, help please!
Me & my boyfriend were renting a flat but decided to move back to our parents house so that we could save for a deposit for a mortgage. We opened a nationwide save to buy account and tried to switch our current accounts over to nationwide as well. Mine was absolutely fine & they gave me a credit card with a limit of £1700,…
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Mortgage and credit card
Hello We are about to do a mortgage application in the next couple of days for myself and my partner. My partner has a credit card balance of £1000. Should I pay this off before doing the application? Or will it not update on the credit file in time? Thanks :)
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Endowment Policy can you claim mis-sold PPI?
Hi I'm wondering if anyone could help as I'm just getting myself a little confused! I had an endowment mortgage on a property for ten years and I wondered if you can claim back mis-sold PPI on this as is had a life insurance element to it and I was told it was a condition of getting the mortgage and not an optional element…
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Being to unrealistic for a first time buyer?
Hi all, next summer I'm hoping to get on the property ladder. I'm currently 22 and earn £16.6k base pa. however I've been at my employer for 2 years and with over time ive earned 22k before tax both years. My credit score isnt great, I've been declined for a credit card or two and finance on a computer . However I've not…
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Help needed in understanding the approval process
Hello I know the way in which this done can vary slightly depending on the specific bank and lending criteria but I'm just after a little more clarification. From my very brief experience so far as a first time buyer it appears to me there are three stages. 1. Being given an AIP 2. Going through full application process,…
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High Street bank - Lost paperwork??
How likely? Its part of a larger issue, but a branch of a well known high street bank have lost the entire file for a mortgage and mortgage drawdown from a few years ago? Nothing left apparently - so if we query the amount drawn down, and they have no paperwork - what happens next? Any thoughts welcome?
