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Mortgage Payment Problems
Hi, I was wondering if anyone could help me. My ex has moved out leaving me to pay the joint mortgage on my own, she is refusing to pay anything towards it. We have had an offer on the house which we accepted but the transaction has been delayed due to subsidence, we are covered by insurance but excess is £1,000, again my…
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Shared Equity Mortgage Question
Hi everyone, Does anyone know of shared equity mortgage firms who will give permission to let from the offset I dont mean a buy to let mortgage - I currently have Halifax providing me with permission to let on shared equity but look to see if any other products out there with better rates Thanks
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Natwest dragging feet & need mortgage asap. Please help
Hello, I needed to get a a buy to let mortgage and got to Natwest as to whether they could offer the mortgage or not. After taking all the details from us, we did not get a reply from them and had to call them to find out what the situation was after 7 days. They said they will tell us soon as it has been approved but they…
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Want to move, stopped by one word 'temporary' contract-what to do please?
:mad: Hi everyone, I have large deposit, want a new build, developer happy to buy my house on 'home exchange'. Good credit, etc and can afford etc, but because my hubby is on a 'temporary' contract (for 9 months so far) lenders wont look at his salary! Extremely frustrated. Does anyone have any advice because nothing is…
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Mortgage with Penrith building society... any feedback?
We are trying to secure a mortgage asap as we have had our offer accepted on a private sale. We are FTB's with no chain on either side. We have found a good deal on a discounted mortgage with Penrith BS.... has anyone had any experience with them, or heard anything.…
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Reposession hearing - can I ask for costs?
Hi there, My mortgage company are trying to repossess - for the fourth time! Long story short, I have had a bad couple of years with two redundancies and a dodgy employer not paying me. But am in good full-time employment now. I've done a budget and everything is fine going forward and I've spoken to National Debtline…
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being charged for morgage paper work is this right?
hi, my dad is near the end of his morgage with bradford and bingley, he has made a few phone calls to them, and i believe there charge him for each phone calls he makes to them to talk about his last outstanding amount. They are also charging him to send out his last outstanding amount in letter form. Are they allowed to…
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Shud I get a mortgage before uni, and NOT tell the bank?!
I currently work full time and have enough savings and wages to get a mortgage at the moment. I start uni in September and my parents are going to pay my monthly payments once I start uni. Once I start uni, if I rent a flat, it would cost me £400/month, but if I take a mortgage, it would cost me £360/month. But that £360…
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Will a Lender go near us?
Hi. Looking for a little (a lot of) advice. I currently have 2 defaults on my credit report. 1 runs out this june (300) and the other runs out in 2015 (2300 ish). Both were paid off in full although the larger default took 15 months to pay off after the original default date as i paid 200 per month off the balance. Aside…
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Mortgage t's and c's
Hi all I'm working on getting debt free and blogging about it. I have huge debts and now taken the DMP route which has reduced stress massively. I should be debt free by 2025 Yaaaay or before (working on before) However I've a question about mortgage t's& c's which I've also put on my blog as follows "I had a scare last…
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Endowment shortfall
I expect to have a shortfall on the endowment policy I took out in 1992....does anyone know whether it's too late, after all this time, to put in a claim for mis-selling please?
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Just bought a house with cash need mortgage / loan
Hello, I have just purchased a property which i paid £125,000 cash for. I would like to borrow some money in order to fix the property up. The amount i want to borrow is £40,000. I wanted to know what is my best option what type of loan / mortgage is available to me. I have no other mortgage, this was my first home that I…
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Transfer of Equity shocker!!
Hey all, Before I post my current issue, just had to say how brilliant it is that as a community, we all help solve problems so quickly and effectively and all my previous questions have been answered - thanks to everyone! Now that's said - Here's my problem: My wife and I are getting divorced and I'm attempting to take…
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Countrywide Conveyancing/HSBC mortgages
this thread:
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Reclaiming Solicitors fees
Has anyone had any experience in a "law" firm cold calling and claiming to be able to reclaim solicitor fees upto £1000's when we bought our ex council house on a right to buy scheme, and the mortgage broker got their own solicitor arrangements done and fees put on mortgage. I haven't named the company cos I don't know if…
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Porting a mortgage
Hello. i have a mortgage with Santander. i owe 49000 and just sold my house for 78000 so i will have approx. 27 Equity after fees. I done a quick 'how much can i lend calculator' with santader.. it came back with approx. 67000. I have just phoned them now and asked how much extra could i lend if i port my existing mortgage…
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How long own a house before taking out a mortgage?
I recently inherited a house. I wish to move into this house and sell my current house - but need to transfer the balance of the mortgage to my new house. It will only be about 15% of the new property's value. My mortgage provider (c&g) say they can't do this as I've not owned the house for 6months; so now I'm in a pickle.…
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Mortgage after Debt Management?
Hi, I've been in a debt management plan with the CCCS which will be finished in a few months and i will be debt free yay! I'm wondering whether i will be able to obtain a mortgage after having the DMP? does anyone know? i am hoping to save 10k by the end of the year, so this will go towards a deposit. Thanks!
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Mortgage AIP to email
I've had an offer on a house accepted, but before they will take it off the market the agent wants to see proof that I can afford it. I thought it would be simple to get an AIP sent to my email, but it doesn't seem to be that easy. Halifax will only send one by post and First Direct don't do them at all apparently - both…
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Mortgage application advice
Hello I am hoping to apply for a mortgage very soon. I am a first time buyer with a 10% deposit. My credit history is good. I have had several accounts in the past all paid on time and now only have 1 loan and car finance agreement which are both up to date. However, I have 1 single late payment on a credit card account…
