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Where can I find a good ALL OF MARKET mortgage broker?
Hello This is in relation to another thread I started last week (Mortgage after Default). After some advice im now seeking an all of market broker but not sure where to start; all of the local brokers are tied to banks or high street lenders and/or part of an estate agency. Is there some kind of directory whereby I can…
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Get a mortgage and being over 65
hiya, Im writing this on behalf of my parents, they have applyed to there local council to buy there house on the right to buy scheme, the council have accepted and said they can have the house for £42,000 The problem is, my mom is 60 and my dad is 68. We have been to see Lloyds today, the bank they have always banked with…
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Mortgage Switching
Hi all, Just have a quick question on switching to a new deal with a new lender. I am currently in SVR and looking to move to a new deal with a new lender. Is my existing lender likely to charge me to move the account to a new lender? Cheers, Jonathan
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Mortgage application with credit cards
Good afternoon, I signed up for a 0% for 18months credit card 3 months ago, with the intention to stooze, so I started a first direct regular saver to run at the same time. Now we are looking to move house, and of course apply for a mortgage. What I am wondering, is does any money we have on the credit card impact on the…
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Remortgage if Negative Equity?
Hi all, assuming the answer is nobody..... but i'll ask anyway..... are any lenders willing to remortgage a property that is in NE? We have lived in our apartment 4 years, never missed a payment, can afford it monthly and even an extra few hundred (going to start overpayments after Xmas - just paid £1200 this month off my…
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Joint Mortgage with Parents - HELP!
7 Years ago I helped my parents and went into a £70k mortgage with them. I had previously been accepted for a mortgage on my own, my Step Dad was 60 and self employed so struggled to get a mortgage and my Mum has a poor credit rating. According to my Step Dad I have a 27% share in the property. For the last 5 years we have…
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Annual Review
Hi, I have a mortgage with Halifax which I am struggling to pay since my partner and I split. I have written to them on a number of occassions about coming out of the fixed rate (6.09% since 2008) which ends in April 2013 but unless I pay the PRC upfront (over £1000) they refuse. I NEED TO FIND OUT IF THE HALIFAX OFFERED…
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Mortgage Options
Hi Everyone! I was wondering if I could get people's opinions on what would be the best option for me. My partner and I would like to move to a bigger house. He has never had a mortgage, and my mortgage is currently £66,500 @ 2.5%. My current house value is probably around £110,000. I was thinking, that as I am on a low…
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Buying ex husband out
Hiya, I split from my husband in January and now have enough money to buy him out and take his name off the mortgage. However I have a default on a Barclays account 4 years ago which has been settled but remains on my credit report will this effect my ability to take him off the mortgage. I have no other debts and my…
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New Job/2nd Mortgage
I've been offered a new job at a location that is some 160 miles from my hometown. Moving from our current house is a no go as we are currently in negative equity ( i would say approx 108%) plus the fact the wife isn't keen on moving as yet. This leaves me with a couple of options for working away - a) rent or b) buy.…
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3 years books self employed/ dip in the middle??
Good Morning, This is my first post-so I hope ive put it in the right place.:) We have a ltd company and wish to move house. We would have approx 110 equity from this house. great credit history. Books have been 48,000.00 (wages and dividends) then this years were unfortunately 26,000.00 (" ") But the next years should be…
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getting a UK mortgage
I am a French national, living and working on the Isle of Man but trying to get a mortgage in the UK to buy a house due to new job there. I have been advised by HSBC that I cannot get a mortgage in the UK until I am a UK income tax payer (paying manx tax at the moment). Is this the case with all banks in the UK? Thanks!
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Upside down! We want to move...
Hello, we have lived in our home for14 years. But, we live in a beautiful house in a bad neighborhood , and we are upside down in our loan. We have excellent credit and a little money for a down pmt on a different home. Can we mortgage another home and tell the lender we will be renting out our old home to qualify. ( my…
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Calling a 100 yr old build a new build!
We made an application for a mortgage and it is stuck on its last step - the valuation. Today I called up Natwest mortgage team to check on progress and they said that everything was fine but its come back as a new build. I was very angry with the builder since I thought this was already confirmed as not being one.so I…
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Buying at auction
I am a first time buyer and have been pre-approved for my mortgage by the bank. I am looking at a house that is for sale via auction. I have a few queries that hopefully someone can clear up for me. I know banks require a deposit before they release the funds of the mortgage. Is this the 10% deposit that I pay to the…
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Newbuy Mortgages & Part Exchange
Hi all, I wondered if anyone has managed to get a newbuy mortgage combined with a part exchange? I can see a thread from a few months ago with most people saying no :-( but I phoned natwest yesterday and they said they can do it but now I am worrying. I am going with Redrow housing. Any help appreciated Thanks
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Just made a £6000 mistake!
Last week a letter arrived from nationwide informing us we should look at remortgage deals as we are coming to the end of our current 2 year fix at 4.79% We have overpaid the maximum amount every month, so were offered an excellent 5 year fix at 3.79 when we logged on. I did a little scouting but could clearly see this was…
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Can't sell our house as mortgage survey is rejected ......
Can anyone help ?? We have a buyer (the 2nd one after the first couldn't meet the financials for a mortgage) and they have now applied twice for a mortgage but the same valuer came for both lenders and he has said that our construction type is not suitable for mortgage lending. Our house is a self build from 2007 using…
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Ulster Bank introduce Stress Tests on mortgage applications
Hi, I wonder if anyone can advise me about a mortgage issue I have. My husband and I currently have a mortgage with Ulster Bank that tracks 0.39% above base rate which is great. We are now looking to move and are requesting a top-up from Ulster at 2.9% to buy the new house. If we get this, our LTV would be about 70% on the…
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Tenancy in common
Hi, I'm not sure if this is the right place for this query but here goes! My mother and step father had a property together which they shared at TiC. Both parties protecting the financial rights of two sets of siblings from previous marriages. My mother passed away a few years ago and my step father continued at the…
