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Mortgage Application - Proof of address problem
Hi, I'm currently applying for a mortgage and a number of hurdles have come up along the way. We are now in the final stages but have been informed today that my partner needs to provide proof of address for the property she was living in during 2010-2011. The problem is that she was living with friends and didn't pay any…
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80% LTV HSBC mortgage or 75% LTV Brittania mortgage
In your experience, are any of the above mortgages significantly easier to obtain than the other?
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FTB applying with Halifax
Hi all, My wife and myself applied for a Halifax mortgage last Wednesday. Passed the AIP and once we got through to application stage, we were told that they require no further information and that offer would be issued once the valuation is completed and is satisfactory of course. I did ask they didn't instruct a…
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Employee Benefits - Santander Mortgage
Hi All, I am due to start a job with Santander in approx 2 months and am trying to find out some info about their employee mortgages. So far all I have found out is that mortgages is part of their benefit portfolio. Does anyone have any info about any preferential rates/discounts that the offer? FYI I am a prospective…
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Mortgage company wanting fee's paid...
Right, quick background info. Wife and I applying for mortgage, due to restraints (95% LTV AND part ex), only a couple of companies are open to us. One said yes, not a problem you guys are A grade customers of ours then said no....erm we are over exposed on the site. Other company said we will look into it. Well, the other…
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Why the backlog on application processing?
Britannia currently have about a 4 day backlog on their underwriting part of mortgage applications, and I read on other forums that other banks/BS are also being slow to process. Britannia tell me this is due to an increase in applications and they are working overtime to resolve it. So next month we will see a reported…
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Moving a mortgage but they changed the rules
Hi I moved my mortgage to Barclays about five years ago but now want to move house. I am an IT contractor using a limited company as my employment model. Barclays recognise that I earn enough about £6k a month after tax to qualify for their premier banking account. However when I came to apply for a morgage they would only…
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Authorised Overdraft
Hi, I know I'll probably get shot down in flames for this but I'll ask anyway! How negatively do lenders view living consistently within authorised overdrafts? My partner and I have separate bank accounts, I occasionally dip into my overdraft (never more than £100) but he is usually around £1000 overdrawn. His parents are…
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First time buyers - help needed!
Hi My girlfriend and I are first time buyers and will soon be starting to search for our first house, once we have saved some more pennies; we are currently at around £10,000. Unfortunately we found out last year, through Experian, that my girlfriend has a CCJ on file (dated 02/09/2009) that she was unaware of to the…
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Mortgage with cheapest fee
Hi there, Does anyone know a mortage comparison site where you can sort by arrangement fee ? I usually use money.co.uk but you cant search on the arrangement fee. Or does anyone know the best mortgage provider with low arrangement fees ? I'm looking to borrow about 140k 75% LTV. Thanks
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Calculating equity
This is probably a stupid question but i'm trying to plan for the future and was unsure on the results im getting in my calculations! here are the figures: Bought house in 2009 for £142,000 Deposit of £14,200 (10%) 90% mortgage at 7.99% for 5 year fixed (£128,000) After the 5 year fix without overpayments i'll have…
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borrowing more on my mortgage
Hi, first post on this forum so bear with me :) Basically i have a mortgage with HSBC was originally taken out in 2007 105,000 over 30 years with the first 3 years interest only and have now been on a capital repayment for the past 2 years. House was bought for 137,500 and is recently valued at 130,000. We are fixed at…
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120% Mortgage Fix Rate Ending
Hi all, I just wanted advice my current situation. I took out a 120% mortgage in August 2007 with Birmingham Midshires. It's a fixed rate mortgage fixed at 6.45% and the fix ends on 01/09/2012 at which point the mortgage rate will reduce to 2.09% above the bank england base rate for life. My monthly payments have been…
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Self build mortgage
Hello Wondering if anyone can help I have been looking around the market for a self build mortgage - I've found a good few banks/building societies now which offer this type of mortgage. From what I have read....when the bank is releasing funds for this kind of mortgage they do it in stages...1. for purchase of the site 2.…
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Missed payments on credit rating - joint mortgage but separated
I'm hoping someone can help My husband and I separated almost a year ago durning the separation we missed some mortgage payments while trying to sort out who kept what. I payed off the missed payments and kept in touch with my mortgage provider. Obviously the missed payments show in our credit rating. My ex has applied for…
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HSBC extra time for "checking"...
We decided to go with HSBC for our mortgage (they were miles cheaper, I know they are a pain, but we are in a good position to use them as we aren't in a huge hurry). Having said we aren't in a huge hurry, we are hugely excitable and want to know when we can expect to exchange. We are expecting our final searches back in 3…
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Mortgage headache
Hi, I have an increasingly large headache over a loan/mortgage and I hope somebody might have some suggestions to help though really not sure what. Apologies for rambling on, the harder figures are at the end!! I moved into my partners property two years ago which is in their sole name at present. My partner has been…
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Shared Equity & Sub-letting
I purchased a city centre 80% Shared Equity leasehold flat approximately 4 years ago whilst studying towards my postgraduate career. Years later, I have unfortunately undergone a change in circumstance and am having to move away from the city. I have consistently paid on time and have never over-stretched myself…
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credit report low score
hi all, I'm currently waiting for my experian pin in the post, but have just signed up to equifax to check out my credit score and it is 217! I have one late payment from Oct 07, but the red flags are showing that I am not on the electoral roll(i am) and my cards are showing at my old(parents) address. Everything else is…
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Transferring a property and mortgage to another person?
Hi folks. First post so please forgive me if I'm in the wrong place. I'm hoping you might be able to provide me with some advice. A few years ago my partner and I bought a house together but for convenience at the time the property, mortgage, utilities etc was put in their name. We split the bills and spent a lot of time…
