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Mortgage Companies and Medical Records
Hi there everyone, Just a quick question - do mortgage companies usually check medical records prior to lending or do they rely on the insurance companies to cover that end of things? Many thanks, Craig
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mortgage chances
Hi all, just after some advice please really. We had a mortgage approved back in September. Process was simple, only 1 bank statement required, and a letter of employment. However our purchase fell through, and to extend the mortgage offer would cost too much so decided to go with another company. This company are now…
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Acenden/Capstone/Prefered
Hello I have a mortgage with whats now called Acenden. I am in arrears after I had a serious accident in 2009. I would like to know if or how I can find out if I am owed PPI. The mortgage was taken out in 2007- I dont want to just ring them as I worry they will say you dont have PPI, then fob it off a something else you…
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Agreement in principle!
Hello. I am thinking of getting an Agreement in principle before I start looking and bidding on any house. 1) is there any where online I can get this without leaving a mark on my credit rating? 2) How much does it matter if it does leave a mark ? Thanks for your help!
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Mortgage Application Questions - First Time
Hello all My Husband and I are hoping to apply for a mortgage in the next few weeks and I'm trying hard to understand this huge topic. I hope that you guys can put my mind at rest as I have people giving me all sorts of advice which seems to differ! Firstly, both my Husband and I were self employed just over six months…
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Consent to let query - 125% rent needed?
At the beginning of May I am proposing to get consent to let on my current mortgage with c & g. I know with new buy to let mortgages rental income is required to be 125% mortgage payments, is this the same on getting consent to let? Our mortgage now is just under £200 less than what we would get rental income however…
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Are valuations "blinded"?
Just wondered if the surveyor who is doing a basic valuation of a property for a lender knows the agreed sale value beforehand? Probably a naive question I know, and the sceptic in me says probably yes. I know the company will know as they are instructed by the lender, but does the actual person that does the report know…
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Mortgage on a concrete flat
I've had an offer accepted for a 2-bed flat for £78,500 and can provide a 10% deposit. The flat is ex-local authority, build in c.1965 using a concrete frame construction, with masonry infill. It is the 3rd of 4 floors. Together with my partner, I did have an mortgage offer with Britannia at 3.79% - but they've now said…
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Mortgage/"charge" on property??
Hi all, I currently have a mortgage advisor looking at mortgages which might be suitable for me - my parents are willing to either do a joint mortgage or go guarantor.... have received an email from his today saying that the Bath Building society might have some options but that they "insist on a charge over the parents…
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Parents need help
My parents need some urgent advice. My dad is a carpenter and was made redundant nearly 2 years ago. Unfortunately he is a very old 62 year old and can no longer use his hands as his money earner as he has slowed down dramatically (mentally) and no one will employ him. My mum works part time in a supermarket and will be…
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Advice
Hey everyone was looking for some advice. We are currently in the process of purchasing a new build everything agreed with builder etc. sent everything to IFA to get mortgage application started, my husband has been dealing with them. My husband is on a fixed term contract due up in June but is being extended for another…
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Fixed isnt fised....
I have a fixed mortgage with Halifax till August this year. As everyone know they have increased the SVR but have increased my fixed payments too. Stating that the mortgage set (£999) taken at the time now isnt fixed so payments go up. Am very annoyed - the offer letter states my payments are fixed for 27 months but now…
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Mortgages for over 50s
We are looking to try to get a mortgage in the next few months, my partner is now 50, are there many decent deals out there for us? Also, we are living in rented accommodation at the moment, both of us have had mortgages previously in our lives, do we still qualify as first time buyers, as we have nothing to sell?
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Outstanding credit card balance for mortgage application
Hopefully a simple question. On a mortgage application, where it asks for the outstanding balance on a credit card, do I give the current balance, even if I pay it off in full, every month?
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Trustee cannot seize Endowment linked mortgage
The official receiver cannot seize an endowment if it's linked to a mortgage (although they'll certainly try!!) because of important bankruptcy procedure. It doesn't matter if the bank/ building society is a 'notice of interest' type. A notice of interest means the endowment company keeps the bank informed ie when it'll be…
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Playing the mortgage system?
We're in an odd situation with our mortgage, it's not portable and we have the deposit saved up for the next place... so in many ways we are like first time buyers. In order to break the chain a friend has suggested we could do the following: * Remove myself (higher earner) from the current mortgage leaving it in my…
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Stamp duty on transfer of equity??? Advice pls.
I would like to add my husbands name to my mortgage but Im unsure how much this is all going to cost? My husband is away on business so Im trying to do this by myself but to be honest Im totally out of my comfort zone and would appreciate some advice first. My mortgage supplier (Natwest) have been as useful as a chocolate…
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Mortgage Application
Me and my partner have applied for a 90% mortgage with both NationWide and Abbey (Santander) and have been refused the credit, neither of them have said that it's due to bad credit just more to do with their lending criteria which we don't meet as they are pretty tight with the 90% mortgages according the the mortgage…
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Mortgage Application Fee Refund
Hi, Recently I had applied for a mortgage for a new home. I have now been told my application is being rejected. The thing that annoys me is that they had taken money from my account for the survey and mortgage product fee. Now they are refusing to refund that money and I'm really angry:mad: Does anyone have experience or…
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Which mortgage companies only deal direct?
Hi, Im just looking at various mortgages online for comparison. Does anybody know the list of companies which only deal direct?
