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Experian wrong and electoral roll problem
I have just got an AIP with the post office and decided to check my credit file to see if the previous debts were cleared. It's completely wrong and now I am panicking. I previously had high level debts , although I never paid late or ever missed a payment so retained a good credit rating. I recently divorced and me and…
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Mortgage penalties when selling and renting
Hi, I am in a fixed rate deal with Nationwide until 31st Jan 2013. We have agreed a sale on our house but are struggling to find anything suitable and may have to rent in the interim. Can anyone tell me what happens to a penalty in these circumstances? Thanks!
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Another deposit question
Hi, Quick question, in an earlier thread I mentioned that I was gonna sell a watch to fund the last thousand of the deposit, since then anything has been approved (mortgage letter in the post) my dad said he'd give me the 1000. So anyway wrote a gifted deposit letter and took it in branch. We checked and the offer is in…
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i think my mortgage has stolen off me
i took out my first mortgage in october 2010. i actually moved into my house 29th october 2010 and my first payment was 1st november. i was on a fixed two year deal which lasted till 31st july 2012. after that i switch onto the variable. in april 2012 i decied i wanted to stay on fixed so i applied to the postoffice (bank…
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Best Buy to Let Deal
Hi, Hoping someone can help or advise. Looking for best buy to let with either 20% or 25% deposit, 20% ideally!! and one with minimal lending criteria, eg minimum salary 20k, etc etc. Looked at the obvious high street banks and these seem ok, are these the best ones to go for. Thanks Dave
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Best mortgage for these slightly unusual circumstances?
Hi all, Wondering if anyone can offer advice on the degree of difficulty for myself (A) and my partner (B) to obtain a mortgage. We have a somewhat unusual set of circumstances: A’s circumstances: - Currently one of four directors of a limited company, limited company was founded July 2011, venture-capital funded and…
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Porting a mortgage and downsizing
Hi, We're thinking of moving. Mortgage (with Santander) is within a deal period, but would be happy to port it. I understand that you can only port a mortgage if the mortgage company, in effect, agree to the new application. I understand that if you want to borrow more money to buy a bigger place it has to be on a seperate…
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Over 65 Mortgage
Anyone with information on re-mortgage (interest only) for 65 year old couple? (55% equity)
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Nationwide - No Offset Mortgages?
Does anyone know why Nationwide don't offer these? have they in the past? and in general are they any good ?
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interest-only: which repayment plan?
45% LTV repayment plan 1: already have stocks & shares worth 40% of mortgage amount. plan to invest 2.4% of mortgage amount per year. after 25 years, projecting 0% growth from investments, have enough to pay off mortgage. this is meant to be ultra-cautious. but does the additional investment each year affect the…
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Mortgage...what are the chances?!
Good afternoon all, I know from the start that it will be very tough for me to get a mortgage. I would still like to have a different opinion from the forum members though please. Firstly I have a mortgage already with my ex partner, I haven't lived there for around 4 years and I don't contribute financially. Due to her…
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Limited leave to remain & New build
Hi I have 2 quetions and I hope someone can help as the internet isn't providing any information. 1) My husband has a limited leave to remain via which has 16 months left on it. Do you think he will be able to get a mortgage? If so who do you think are good ones to try? 2) Do mortgage companies only offer 80% mortgages on…
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Advice Please - Losing Buyer putting my home on buy to let?
Hi All, Hoping someone can advise me so that I am clearer before I contact my lender. Have had an offer on a property accepted and have just had mortgage agreed for £169,000 for purchase price of £212,000. Potentially, I can see a problem with my buyer and to cover all my bases just want to tap into peoples knowledge on…
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second property mortgage
Hi. me and my partner are looking into a mortgage for our first house together. Were getting married next year. I already have a mortgage and rent that property out. We are renting ourselves atm. I am in a permanent job with NHS at about £35kpa partner is on a fixed term contract due to needing to work but no permanent…
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Can an agency worker get a mortgage?
Hi My brother is HGV driver and really wants to buy his own house but he works via an agency. I am guessing that lenders will be more reluctant to approve him a mortgage because he works for an agency, does anyone have any advice on what he can do to increase his chances or even if it will be possible to get a mortgage on…
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First Time Buyer, or Not?
I'm guessing not, but since FTBs seem to get much better rates I just wanted to be sure. My OH owns a house in N.I. which is now sold, and will complete in a few weeks (hopefully) the mortgage will then obviously be cleared. If he puts off applying for a mortgage until the old one is cleared will he then qualify as an FTB?…
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Proving Income for a Mortgage
I'm am trying to get a buy to let mortgage on house i own out right. I want to release funds to build a house for myself. The house is rented and the income will cover the amount of money i want to borrow. Because i live in Northern Ireland the number of lenders is small but i have found a lender which suits my needs. My…
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MSE News: Help for struggling mortgage borrowers urged
"The Government should give struggling borrowers more help by keeping some temporary benefits in place, say lenders ..." Read the full story: Help for struggling mortgage borrowers urged
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New BTL mortgage.
Hi, My current BTL mortgage ends at the end of August. I will go from 5.29% fixed to variable 2.5% for 2 years. I prefer to be on fixed but can see the 2.5% being beneficial for a period of time. My problem is that looking online its hard to find BTL mortgage deals. Most companies don’t seem to advertise them. Can anyone…
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HSBC Panel Solicitors - Can you choose?
Hello All, We're hoping to use HSBC for our mortgage and i've just been reading up on the solicitors on their list as we'll be going through the process before the 31st August. Can you choose who you want to use from the list? For example, there is only one local firm to us on there so i'd prefer them out of all the other…
