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Bank with Lloyds & mortgage with C&G and use online banking - be aware of this bug !
This is my case, and hopefully this may help others. Firstly - I bank with LloydsTSB and this may only apply to their online banking service, I also have a C&G Mortgage and these details show, ie the mortgage account shows on my Lloydstsb online banking. Just like my current account and savings account. I'll explain what…
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(re)mortgage questions
Hello, Our fixed rate mortgage with Natwest is coming to an end and I wondered what I should do next. My partner and I bought our flat together, but the mortgage had to be taken out in my name only because at the time he was on a temporary contract at work. This means that he is not on the deeds of the house. He is now in…
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Getting a mortgage with no credit history
I hope to get on the property level soon, however I was wondering if me not having any credit history will be a problem/stop me from getting a mortgage? If so what can I do to improve my chances?
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Consent to Lease from Halifax!
Hi, My wife and I are planning to go travelling for a couple of years, starting in the New Year and as such do not want to crystallise our negative equity and therefore wish to rent out our property. Current mortgage payments are £560pcm, and recommended rental is £600pcm. After fees and insurance, it will leave a small…
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Will my credit affect wife's mortgage
Hi, I got married a year ago, and have a default on my file which drops off in March. My wife's mortgage deal has come to an end and she is renewing it. The mortgate/house is in her name only. I'm concerned though, that with me living at the same address, it might affect her mortgage. Can anyone please advise if this is…
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FTB: Mortgage Lender Value Higher than Purchase Price.
Hi guys, first post on this site. We have just had an offer of 97000 accepted (FTB) on a house that was up for 120000. The Mortgage lender has then valued the house at 115000. We have a 10% deposit in place but with this higher valuation can we now re-negotiate the interest rate as the house represents less of a risk for…
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Mortgage for Uk property for UK Work permit holder
Work permit holder looking for mortgage Hello I am professional working on work permit in UK. I have been in UK for more than 2.5 yrs in total. I looking for a mortgage for property in UK but the two bank I approached ( HSBC and Nationwide) give mortgage to permanent residents holder only. Can some one advice lenders…
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Should mortgage show up on credit file?
Should my mortgage show up on my credit file? I am looking to move home soon so thought I would check my credit file was all in order, everything was fine apart from my mortgage which isnt on there is this normal? I have had the mortgage for over 6 years and made a fair few overpayments in that period I thought this would…
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Remortgage of UK property while living in Australia
Hello! I have a mortgage on a flat in London and I currently live and work in Australia. My current Tracker mortgage is due to end by the end of Sept and I am trying to find another Tracker deal from Oct onwards. I wanted to remortgage it by myself (that's how my parents did for their first home), but not sure how…
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Have I spoilt my chances?
I am hoping for some advice please. I am a newbie here so please bear with me. I was a stupid teenager and I know that now, but unfortunately cannot turn back the clock so please do not give me a hard time (This is worrying me enough and keeping me awake at night) Me and my fiance are hoping to buy a house this November.…
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Mortgage for family member
Evening all My mother in law would like to move into a bungalow for health reasons. The difference in price between her home (owned outright) and bungalow's is approximately £40-50K. She has no income other than a pension so this isn't possible but my husband and would like to pay this for her, as it is in her best…
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Nationwide mortgage rate changes
I applied for a Nationwide mortgage on Saturday. The rates changed today (25/7/12). Can I change to the new rate? Or am I stuck with the previous one?
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Remortgage with Nationwide / banging my head against a wall....
Hope somebody can advise We are with the Nationwide - Have at present £100,000 equity and 23 years to run with our mortgage of £119,000 on their rate of 2.5% Want to have an extension to the property / home improvements / debt clearance so requested extra borrowing of £28,000 We have a joint income of £40,000, plus around…
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Shared Ownership
Hi All, Looking for some advice on the below Me and my partner are looking at trying to get a Shared Ownership property for 25% percent of the house at around 35K My Credit rating is not good and neither is my partners as we both have past defaults. In terms of deposit we have up to about 15K tp put down. Now I know with…
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Permission to Let
I have a property which I used to live in which I have rented out for the past three years. I have had permission to let from my lender throughout this period. The mortgage company have now written to me saying that the mortgage is a residential product and they will only give permission for a further six month rental.…
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Mortgage Advice for a not so straightforward situation
Hi Everyone, Right the hubby and I need some advice and hope you guys can help, please bear with me as the situation is long winded. The In-Laws have a house which is becoming too big for them however if they sold the property they will not have enough to downsize in the town they live in (ex-LA house in need of some work…
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Transfer of Equity confusion
Hi all My partner and I have been going through the process to do a transfer of equity to add my name to his mortgage, and we're then moving mortgage products with the same company and getting a further advance for home improvements. The T.O.E is taking ages and I'm getting very worried we will lose our mortgage deal and…
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confused about buying ex out of mortgage.
Having a difficult time and would appreciate advice- i will seek legal advice in next few weeks but playing on my mind tonight. Am splitting from partner. We have one child. I would like and he would like for me to change our joint mortgage to one in my name only. Then our child has some continuity and he can afford to…
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Mortgage Protection "Overpay"
Stick with me on this one.... I took out a mortgage with the Halifax around 6 years ago and they sold me payment protection. I never checked the amount at the time until around 3 years ago and saw that it was approximately £155. On querying this with them they said £55 of the payment was for a second property...I do not…
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ANY IDEAS? OLD (>2yrs) adverse credit, first time buyer, 75% LTV
Hi all Please forgive me if this is in the wrong place - I have only just joined today and hope this is the right place to post a message and see if anyone can help! Due to a split with an ex I have some OLD adverse credit (2 x CCJ 5 and 6 years old - 5 years old will be marked settled imminently. 6 yr old drops off next…
