-
Mortgage broker for charity?
Hello, By any chance, does anyone know of any brokers or places that specialises in mortgages just for charities, or failing that, brokers that deal with business mortgages in general? Many thanks.
-
Porting application with MX
Please help... We have been with MX for around 6 years and have previously ported this mortgage (around 3 years ago) I have spent the last 3 months going through a mortgage porting applicaton with MX and I am still wating for the underwriters answer. We are looking to part exchange our property for a smaller cheaper place…
-
random mortgage audit
mortgA6e plliat1on
-
2 year tracker nearing end - what next? Move to SVR?
I am nearing the end of a two year tracker which is currently a whopping 5.29% above the base rate (so, 5.79%). At the end of this two year period, the mortgage company will move me to their standard variable rate which is currently a more manageable 4.24% (presumably 3.74% above the base rate). The new SVR will save me…
-
No Deposit - Asking Price Lower Than Home Report Value
Hi guys, My girlfriend and I have been working hard over the last year or so to pay off our debts - we're almost there! We're now looking to get on the property ladder, and although we don't have much of a deposit saved up, we have seen several properties on the market with an asking price much lower than the home report…
-
New Mortgage App but have default accts
I know defaults are no good on an acct - i have 2 very minor ones from 3 years ago £104 and £76 - im kicking myself now for not clearing these!!! im hoping to apply for a mortgage with my partner will these defaults have a major impact on the applications?? thanks :)
-
What could an undisclosed link to an adress mean?
I recently applied for a buy to let mortgage from my bank, who I have been with for 41 years, and was refused due to something in my credit report. I was advised to contact Experian to obtain a copy which I have now received. As I expected, my credit score is 999 and shows that I have no outstanding debt, except credit…
-
Best 90% mortgages around?
Hi guys, Just wondering if anybody could point me in the right direction in regards to best mortgages on the market. Me and partner are looking at buying the house we are renting at moment. Landlord wants £95k for it and we would have the 10% deposit so we would need a mortgage of £85500. Our combined income is approx…
-
Porting Mortage advice
Im currently unemployed, after working for 25 years in a good job, and was looking to move to reduce my mortgage commitment so I can take a lower paid job. Ive sold (STC) my house and will have 85k equity but need to port 70k of my existing mortgage (was 135k) to find anywhere decent for me and my kids to live. Getting a…
-
Is an offset mortgage right for me?
I would be borrowing about 70% of my house price with the 30% as a deposit. Savings would then go down to nil. I've searched online using Moneysupermarket and offset mortgage quotes seem a tad more expensive than other types of mortgages but as I would like to try and save up once we have the mortgage and pay it off early…
-
Mortgage fixed rate up - change mortgage?
My fixed rate will be up soon and I need to think about a new mortgage agreement. I'm a first time buyer so have no experience of this process. I think my flat has gone up in value by about £30k potentially - I live in central London so prices are mental. Could the increase in value mean I could potentially get a better…
-
Buying parents house
First ever post so please be kind !! I've been living with my parents after selling my house a year ago. They have now decided to down size and have offered to sell me there house with a bit knocked off/gifted. It's current value is around £280,000. I can only affored to buy it for £250,000 slipping under the stamp duty…
-
90% deposit
I have a 90% deposit and need to borrow about £40,000. I want to reay over 15 years. What is the best mortgage to go for? Thanks, Cath
-
Transfer of Title - Help!!
I want to buy my ex out of his share of the house. The Deeds are in his name and we are both on the mortgage. The council do not want to buy the property and have said we can sell on the open market. The mortgage company have said no to removing his name off the mortgage. Any advice to what to do next? :o I have £32k left…
-
How much of a deposit to overcome bad history?
Hello, I was just looking for some advice about how big a deposit is needed to overcome bad history do people think? Me and the OH are looking at buying a house in the near future. Both in full time jobs and earning about 40k between us. My credit history is fine, everything up to date and never missed a payment. My OH has…
-
Bit of advice really :)
Evening All, Bit of advice really, i'm currently looking into buying my first house with my girlfriend. I earn 25k she earns 17k, we have found a house and spoken to the vendor, who is willing to accept 123k, we have a 15k deposit to put down. I have approx 5.2k debt made up of 2 credit cards 1 at £1800 and one at £1500…
-
Mortgage offer extension - new child has arrived!
Looks like I may need to extend my mortgage offer as it runs out next week and completion may not take place by then. However since we received the offer in Jan my good lady has given birth to our second child. HSBC have advised they may extend the offer but will want a minimum of the last 3 months pay slips. This will…
-
Getting a mortgage with a default on your file
Hi My partner and I are looking at going for a mortgage again we did have one in place before but due to the plug being pulled by the sellers we were unable to keep the mortgage due to the lender (bank) changing there points system. we did try with other banks but didnt have any luck and think this was due to a default…
-
Should I change to a BTL mortgage?
I have a dilema. I am going to work abroad for a year (which may be extended) and want to rent out my property. I have a mortgage with Nationwide which is a fixed at 5.63% and comes to an end next year so within the time I want to rent out the property for. Would I have to change the mortgage to a BTL mortgage when the fix…
-
HSBC/Countrywide - exchange to completion time
Posted this on the main HSBC/Countrywide thread but if anyone on here can advise: I am stuck in a chain and need to complete on Friday. HSBC is my mortgage provider and CW are representing them. Christ I wish I hadn't made this choice.....anyway. The thing is contracts have not been exchanged yet but hopefully should…
