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Refinancing to cover school fees
Hi there. This is my first post on these forums so please excuse any faux pas that I may commit. Right! So on to my query. To begin with let me explain our current situation. First of all we have been wanting to move for a few years now or extend in order to accommodate our kids as they are growing older and provide more…
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Will Lenders allow someone other than registered owner to pay the mortgage?
My wife and I are registered as (equal) owners (tenants in common) for our house with a 48% Loan to Value Woolwich mortgage. I am the sole earner and pay the mortgage, albeit from our joint account. For a number of reasons I want to transfer the ownership of our house into my wife's sole name while continuing to pay the…
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HSBC/Grindeys hassle
I have a mortgage with HSBC for a flat which is shared ownership. I own 75%. I am trying to buy the other 25% and add my wifes name on the mortgage. HSBC tried to pressure me into using their own solicitor. I didn't want to do this, as i dont trust the banks let alone the banks trusted legal teams. I was told that i would…
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Remortgage help?
Hi, We've come to the end our early repayment fee and are looking to remortgage with extra for home improvements. Our current lenders offers aren't much better so are looking to switch. However, after having our house valued at below the remortgage offer they will only lend us a very small amount extra. We have roughly…
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Which credit reference agency does Halifax search for mortgage applications?
Thanks for any info.
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non uk resident applying for a mortgage
Does anyone know which lenders will lend to a British person who is currently resident in the USA but wishes to obtain a mortgage on a uk property?:rotfl:
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Alliance & Leicester Mortgage Endowment Advice
Hi A few years ago I had to bring up 3 kids on my own (as a single parent) and I had to let the Endowment policy on my mortgage go as I could not afford to pay it on my own. Last year I was told by someone at citizens advice that there was options but I was a year too early and to return this year. Having gone back this…
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What a mess!
Currently tied into a mortgage with ex, he wants To sign it over, and not take any money, I am Currently with new partner and we have been Paying mortgage for 2 yrs, I am in debt man Programme, and Santander have said they Will not look at anything until I am out of Debt programme. Will I have to sell up, ex wants out!
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CEMAP revision material help
Hi guys, As some of you will know from my previous thread here, i am looking to study CEMAP. I have a question relating to study materials. When I enroll with IFS, is the Course manual they provide sufficient for revision? or shall I invest in more course materials? if so which is best? Thanks for any help.
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Mortgage advice
Bit of a complicated situation but hoping someone may know the first place to start for advice. Myself and my husband currently rent our property from a private landlady who has just advised us that she is wanting to sell the property. We are not currently in the position to buy as I am on maternity from self employment…
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Exchange, Completion and deposit
My mortgage offer came through yesterday (woohoo!) and now I'm trying to work out the details of what happens next. We've got the bulk of our deposit in a fixed savings bond that matures on Aug 13th. I gather that normally on exchange 10% deposit is handed over, we only have about 5% outside of the bond. We were hoping to…
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Mortgage & Maternity Leave
Im currently on a variable rate with my lender and pay £410 per month. I will be going on Maternity leave in 4 months and wondered if it would be worth my while fixing my mortgage? Looking at the price comparison on Money Supermarket I can fix it for 5 years and repay £410 per month also. Obviously once im on Maternity…
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Buying with my mother
My mother is selling her house outside of the county and wants to purchase together so we can help each other. Its been well thought out and her property has had an offer today from first time buyers for 182,000 I think she will accept it. We have found a lovely property with an annex and I and children can live in the…
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Aviva Endowment shortfall
Having been forced by the Nationwide to take out an endowment mortgage in July 1987 (They would only agree to a mortgage if I took out an endowment they would not allow me to have the repayment mortgage I wanted) I have just received a policy maturity latter from Aviva quoting a £17975.86 shortfall on a £44,000 endowment,…
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Legal Fess paid classed as Cash Incentive?
Myself and My partner are half way through our mortgage application but we had a call from the mortgage lender and they explained that the maximum incentives they can take on new build properties is 5% of the total purchase price. Any incentives over the 5% will be deducted from the purchase price and the LTV ratio…
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Mortgage advice, first time buyers
Hi all, I've used these forums for quite a while especially for researching rights as a student. I'm currently living in rented accomodation with my girlfriend after we graduated 2 years ago. We're self employed and have poor credit ratings so us getting a mortgage is fairly out of the question I think. Our business is…
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Have paid off some debt but Halifax will now lend me less
Would be grateful if anyone can explain why paying off debt has lowered the amount I can borrow with Halifax, as they can't explain! I had a mortgage offer on a property at 90% LTV for £157,500 plus fees added, when I applied a few months ago I had the following debts: Loan payment £199 (£10,000 left) Tesco card £100 but…
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First house offer
Is there a general rule of thumb? I've viewed a house I'm interested in and it's up for sale at 105000, speaking to the current owners they are selling as have a lack of room( 4 kids with 5th on way!) they can't extend the house so they are looking for a bigger place. I currently have an offer in principle, decent deposit…
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First time buyers - what are our chances?
Hi Everyone, hoping for some views on if we are likely to get accepted for a mortgage. Here are the quick stats: Husband is self employed, has an accountant and over 5 years worth of accounts. Earns about 32k and has a very good credit history I have just started a new permanent job at 22k. Have an arrangement to pay on my…
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Mortgage offer not explained
i have recently received a letter from Halifax bank regarding my mortgage account that was paid back in March 2010. the letter stats that ""because their mortgage offer may not have explained certain details as clearly as it could have, they are apologising and have enclosed a cheque in sum of £105."" the letter goes on to…
