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Nationwide
Heelo Was just wondering if anyone else was caught up in the nationwide backlog? Our full app was recd 2 weeks ago and still waiting on stuff being processed. We are due to move in 25th may and we can't sign missives (Scotland) till we get offer. All v stressfull. Broker not being overly helpful taking a day to reply to…
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Morgage
I have recently split from my husband and am worried about my mortgage when the tracker rate come to an end. My husband will be giving me money monthly and I earn £3500 a year at a pre-school and another £2500 self employed making folders. I have applied for child tax and working tax credits but am worried that I won't be…
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Both self-employed and want a mortgage
I have been reading threads but was wondering if anyone hadany specific advice. I’m a self-employed teacher and my husband is a self-employedactor. We do have a mortgage which wesorted out when my husband was PAYE. Wenow want to move. We both have 3 yearsof accounts. I know that the self-employedare not looked on…
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HSBC Mortgages and LTV's
I'm living in the Republic of Ireland but have been working in Northern Ireland with the same company for the past 6.5 years on a salary of £26,600. I’m considering moving to Northern Ireland but am obviously not on the electoral registrar or anything. I contacted HSBC and they said that, since I’m an EU citizen, I can go…
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When is a mortgage closed?
Hi everyone, Hopefully someone can help me. I will try and give you a quick overview. My brother has had a really bad time of things. Last year he was diagnosed with cancer and had a course of chemo which thankfully seems to have worked. The silver lining was that his insurance paid out so he was able to clear the…
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Am I over stretching?
Just want some thoughts really. Im currently in the forces and earn £38k, and have 14 months left to serve. At this point my family will need housing. So - rent or buy? We had decided to buy as renting (at present) costs more, and with no chance of housing benefit (at least initially - see later) it seemed obvious.…
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Longer or shorter term mortgage - rental property
Good morning all Just a quick poll for all you mortgage savvy money savers :) I have a rental property that i rent out for £795.00 per month. At the moment, after expenses, we put about an extra £50 a month towards the pot for service charges, insurances etc... It is now time to re-mortgage and we are just in the 75%…
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Nram
Got a old house i had with a ex partner. No longer live there and have found a tennet (used to have premission to let). The permisson to let has expired and now when i have asked nram to renew it it needs me and my ex partner to sign it. Now here is the problem, she has gone walkies. No contact details to nram what so ever…
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childcare costs in mortgage application
When I spoke to my mortgage provider about how much we could borrow for a house move one of the things they wanted was childcare costs. Now I just said what the fees are of £600/month. But this isnt what is actually costs us as we get childcare vouchers which are paid for from gross salary before tax and NI so the actual…
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Nationwide - Free legal fees
Nationwide are currently offering a flexclusive tracker mortgage where they are offering free standard legal fees when using one of their licenced conveyancers. Also a free standard valuation on your property. I'm sure there are people out there that have used this offer so i was wondering if you could provide some feed…
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Ex-pat Mortgage (again!)
Hi guys, Been reading a number of threads here around this subject, but everyone seems to have their own definite circumstances and so a lot of the advice seems to vary depending on the OP's requirements. My situation is as follows; I've lived in Oz for 8 months; currently my visa expires in Oct 2015 (and for all intents…
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pre fab mortgages
Can anyone tell me any mortgage companies that will give mortgages to a prefab house which has been bricked up and has all certifiction for the job many thanks in advance
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Interest only mortgage help please
Hi, Does anyone out there have any advice/know of where etc that I might be able to start (what was once called an endowment policy) to pay off my interest only mortgage in about 18 years? I do no want an insurance policy - more of a savings plan? I am in the process of trying to remortgage and go back to a repayment…
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Expatriate mortgages
Hello My husband has been offered a job abroad. He is looking at taking out a personal loan to fund initial set up costs. Only other option is to change mortgage to a BTL which even less keen to do due to high fees, interest rate and don't think we'd qualify anyway without increasing balance, due to it being so low now. I…
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Santander....
:mad:¨ Hi today me and my girlfriend booked a day off work to organise a mortgage. The mortgage is for the house i´m currently living in(my mum + dads house). The sale price will be 140,000, but with the house worth 180,000(discount from mum +dad), and our deposit of 16,000 santander said yer that´s fine you´ll fall into…
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Endowment: should I cash it in now?
I have a Santander endowment. The details are: Original target amount £45,000, scheduled to mature in June 2018. Predicted maturity values (at 4%, 6%, 8% growth per year respectively): Projected final amount quoted in 2011- £30,200 £36,000 £42,900 Projected final amount quoted in 2012- £29,600 £33,000 £37,200 Outstanding…
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Improve credit score
My partner is looking to get a mortgage but the broker has advised she will need an improved credit score from 743 to over 800. She has never missed any payments and her credit report is showing she's using 92% of her available credit and is not on the electoral register. First thing we have done is pay off the credit (400…
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New landlords looking for HMO mortgages advice
Hi All I am looking to invest in a number of HMO properties over the next few years. I have an established business (outside this industry) and can show good accounts for this business. It a little complicated but I don t want to get the two businesses to closely linked. (nothing dodgy!!!) So far I seem to have come across…
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Mortgage with ( very ) bad credit history
Hi everyone, Despite visiting the site pretty frequently I am new to the forums and am interested in anyone's advice and/or experience with a situation similar to mine. I am currently a home owner with a regular " High Street Mortgage " however due primarily to a bad investment in a property in 2004 - 2006 and some general…
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To fix again now or wait?
Advice needed please and crystal ball too !! We have a C&G mortgage with 5 sub-accounts. 3 of the sub-accounts are on a fixed rate ending on 30/5/12. The remaining 2 are on a fixed rate until 30/09/12. C&G can offer us a 2-year fixed rate for the 3 bits ending in May but we've usually fixed for longer - C&G are only…
