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Northern Rock Mortgage Problems.
I'm asking on behalf of my mother regarding her mortgage which should be finished as of August 2013, if any further information is required it may take a while to get it so please bear with me. The mortgage was originally taken out a long time ago and the final payment was due next August, during the loan period she…
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Buying Property with Parents
Myself and my partner are planning on moving to a property with my parents. The property we are looking at has a two storey double garage that we plan to have made into a self contained annexe for my parents to live in and we will live in the main house. It is on the market for £500,000. My parents own their current…
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Santander Mortgage Arrears
I have a joint mortgage with my sister or rather a remortgage, of 87000, We have kept our payments up to date, until I took sick, and have been off work with PTSD, stress/depression, and am currently waiting for treatment. My sister rang them, and she had to phone the CCCS and get a number or something, so that Santander…
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Own house outright but want partner to move in, what bills should they pay?
Had a discussion with a work colleague who told me that he owns a house outright with no mortgage, which is great. He has a g/f and they are at the stage where they wish to live together however they can't agree on who pays what bills. From what I gather he said she should pay all the bills as he has paid for the house,…
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removing my ex from our mortgage
I have recently parted with my girlfriend and she wants to come off of the mortgage. Can her name just be removed or will I have to remortgage. I would rather not remortgage unless I have to because it would seem that it's going to cost me quite a bit more to do so.
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Will I ever get a mortgage!?
Just want some advice for the future. I got myself into an awful mess with payday loans overdrafts, credit cards, and all sorts of other debt. I thankfully had a huge lightbulb moment earlier this year and am working hard to get this all paid off by early next year. My question is, if I manage to get this all paid off by…
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ignore this....
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:) deleted message ... please do not read thanks ... :) :) :)
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Nationwide mortgage offer and builder's incentives
I have a mortgage offer from Nationwide and it all went through very quickly and smoothly. I disclosed all of the builder's incentives (new build purchase) during the application. 5% deposit, stamp duty, legal fees, removals, estate agent fees. This was in branch and I have no copy of the application. The offer letter…
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How much stamp duty to pay?
Hello I am uncertain about how much stamp duty to pay on our soon to be new house. I understand all off the limits for the varying percentages but would welcome your thoughts. (For my ease of understanding the numbers stated are rounded) The house is on the market £250,000. We have offered (and been accepted) £230,000 but…
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Change of Parties / Mortgage **Help**
Myself and my partner split up quite a while ago and I have continued to stay in the house with my daughter, paying the mortgage on my own. I was unsuccessful at trying to get the mortgage in just my own name so myself and my current partner who does not live with me is willing to go on it to get my ex off. (The ex is…
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Mortgage Overpayments question
Hi, I have a £120k mortgage with C&G and I am allowed to switch. I would like to change to a mortgage that: - Has an online account, where I can log-in and see my balance etc - Allows me to pay in extra each month (If I can, won't be every month). Are there any that match the above at a decent rate?
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Help with deposit please
We have got proof of cleared funds of a 10% deposit, but for the 15% we are wanting, we will not have cleared funds until middle of next month. Do the mortgage lenders need to see proof of cleared funds before proceeding with application and if so, will authorised overdraft count towards it? When do they need to 'see' the…
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Gifted deposit woes
Hi, I am a FTB and buying with a gifted deposit. I went through L&C brokers at the start of June and got accepted with a mortgage with Nationwide. I told the brokers from the very start that the deposit would be a full gift and presumed they let Nationwide know. A few days later I sent off all the required stuff bank…
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Scottish Widdows Professional Mortgage
Hi all, Been looking at this product online as it seems to suit our circumstances quite well. I'm an employed chartered accountant. Partner is a self-employed dentist (only one year of accounts - but employed as dentist for the prior three years). We're looking at 90% LTV. I realise our situation is challenging, but SW…
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First Direct pay into mortgage?
I have an offset mortgage, current and savings account with First Direct. I'm a little confused over whether I need to or it's beneficial to pay money into the mortgage account. I understand any credit balance in my Current & Savings accounts offsets against any mortgage for interest purposes but do I need to pay money…
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Approved in principle, declined on application - emergency tax code
We have been approved on principle by Santander, and told that we should get the mortgage we wanted. However, in the meantime the bank all of a sudden started asking for all sorts of ID from my wife because she changed jobs, including her CV (!), to in the end actually decline mortgage, because she is in emergency tax code…
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Cemap course Mod 1 help
As some of you will know I am revising for my Cemap mod 1, I apreciate all the help and encouragement you have given me so far. Special thanks to Holly aswel. Whilst trying to learn it, i have noticed there's SOOO much info. Some directly related to Mortgages and others not soo much.. I am learning everything jst for…
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House undervalued on Remortgage, should I put the extra money in?
I am currently coming to the end of a 2 year fixed mortgage and was looking to remortgage. Myself and my partner are in a much better position than when we took out original mortgage and are both employed on a permanent basis. If I was to simply redo our mortgage paying no extra money we could bring it down to 15 years.…
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First time buyer - credit record help please!
My husband and I are looking to buy our first home (on a first time buyer 10% deposit mortgage, if it helps at all). He has a clean credit record, but mine is quite bad, due to some pretty bad decisions a few years ago. How much will this mortgage the mortgage application? If he applies alone, his income will not be enough…
