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Trying to remortgage with a Debt management plan
Hi! Just wondered if anyone had any advice on where to go to get a fixed mortgage deal when you have a Debt Management plan - and therefore have a bad credit rating. - I am with Alliance & Leicester and for the first time they will only allow me to with the Base Rate deal. - I am worried that without a fixed rate deal my…
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Buy to let and deposit query
Hello My parents are 54 and 60. They paid off their mortgage 3 years ago. They are now looking at helping me set up home. Just a quick question (probably very stupid I know). They want to release equity in their home to buy a house on a buy to let mortgage which I would then rent off them. My question is, how do they…
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Heading towards financial tough times. Should we go interest only for a while?
My husband and I are in something of a pickle and heading towards some very tough times. Briefly: he has lost his business due to serious mental health problems. It was a franchise and Head Office have deemed him unfit to run it so ended his franchise contract (Long story in itself. Much more to it than that. Solicitors…
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Full and final settlement
Hi, i am new to this site and am hoping someone can help. I have recently spilt with my husband and he has moved out into a rented property. He is not prepared to pay in any way towards bills, upkeep or mortgage of the former marital home. He pays £240 in maintenance for our daughter and nothing else. As a result i cannot…
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Get help from property management leads team
Every one whether buyer or seller always like to get the best from his or her property. There are various property management leads team helps to provide the best deal across USA. Such team always try to provide risk free property to the buyers and also aware buyer or seller about the particular property investment.
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Santander Mortgage
Hi I am new and just looking for some advise for my Nan (sorry if not posted in the correct area). She had a mortgage with the above which was then Abbey National. This included a policy that she had to take with the mortgage (I am guessing due to her age) after 2 years she paid the mortgage off in full, but unbeknown to…
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Satisfying my CCJ - Mortgage Advice
Hi, I would really appreciate your help. I am 26 and have a CCJ that falls off my credit report this August. The CCJ was from when I was 20 at uni and based on my Halls of Residence fees not being paid. (my dad stopped paying but as I was 19 I was liable) Anyway, I have disputed the CCJ for years but started paying it back…
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HSBC not accepting indemnity insurance
We are in the process of buying a flat (leasehold) and to our disappointment our lender HSBC hasn't accepted the lease due to a number of defects. They pointed out the following issues with the lease: * There is no covenant by the landlord to keep the foundation in good repair and condition * the insurance covenant does…
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Any 90% LTV or 85% LTV MTGS out there for New Builds?
Hey Guys, Any advice on above appreciated. Thanks
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Deal ending, fix or go on to bmr?
We have £72,000 left to pay at just under 50% LTV, there's 20 years left on the mortgage and our current 5 year fixed deal ends in July. Do we let the mortgage revert to the bmr or fix it again at 4.09%? It would save us £100 a month on the bmr but obviously that won't be forever, but if we fix it now, we should get a…
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Agreement in principle
Hi We have today got an agreement in principle from Santander. We told our broker that we thought we would need a mortgage of £126,000 to buy a house for £140,000 with a £14,000 deposit. The agreement in principle states that they are prepared to lend£130,500. I'm a bit nervous as the agreement in principle is based on OH…
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paying off mortgage
It seems an ideal situation to be in - we can pay off our mortgage and will have to park 400K somewhere until we can find a new house (and hopefully be mortgage free). Is the simplest and safest way to put the money in various accounts and then gather it all up again when we are ready to buy? Or is there another holding…
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95% Newbuy
Could someone please let me know the cons of these schemes? Everything I seem to read is bad on here, but in reality if it gets us on the ladder, and stop paying high rent then it is step in the right direction? Im 25 and my partner is 24, we have a 6 month old son, and currently pay £600 rent a month. Where we are based,…
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Mortgage company think I have a default, but I don't?
My mortgage broker has been in touch a week after applying to say that YBS have found I have £20 outstanding to a building society. They claim that due to data protection,they can't say who I owe and I can't figure it out either. My broker advised me to check on Experian which shows no alerts and a score of 999 so that…
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Do mortgage companys look what your paying out as well as income?
Example if I wanted to learn to drive then got car insurance lets just sday it is £50 a month (it will be more). Will they deduct £50 a month from your wage to check affordability do they look through every bill?
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first time buyer looking for advice
We will be in a position to buy a property in 2 years time (maybe sooner) but I'm struggling to find advice for first time buyer. Went to see a mortgage adviser at the halifax who initially told me we could borrow £78,000 over a 25 year period. He then went on to say if we were to consider borrowing over 35 years the…
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Mortgage Denied - Strange Reason
Today, we FINALLY after over 3 weeks got a decision for a mortgage from HSBC. The underwriters refused to underwrite it. When my partner asked why all they would say was that its because of a previous address of mine. Not what the address was or why the address was a problem. I have previously had debt issues due to a…
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75+ year old wants a mortgage.
Is this possible? My 75 year old mother is renting at the moment but wants to buy a property. She has £125,000 in capital, but she is looking to buy a property above this figure. She enjoys pensions totalling £1,300.00 pcm after tax. My question is, are there any lenders out there who would lend her any monies, maybe on an…
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Buying parent's house- Advice required
Hi there Me and my girlfriend are currently looking at buying my Dad's house. He has had it valued at £220,000 and £210,000 by two separate estate agents. He has said he would give me a substantial discount and that I could buy the house off him for £190,000 We currently have around £15,000 savings which is around 8%…
