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mortgage broker advice
My husband and I are now in a position to start looking to buy a property and I wondered if anyone can recommend a mortgage broker in the north east (teesside area). I have looked on the internet but not sure of the best way to chose who to use, any help would be appreciated. Thanks :)
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Mortgage condition: credit card balance
Hello everyone. A bit of a silly question as I think I know the answer but I just would like to check with you savvy mortgage people... :) We got an official offer from Nationwide and one of the conditions for them to deliver the money when needed is that our credit card balance should be at £0. (The balance is always…
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Handing keys back to mortgage company
Bit of strange advice needed. I own a shared ownership flat which I was renting out due to moving around with my husband who is in the army. However, upon contacting the housing association regarding something else I was suddenly informed on the phone back in March that they were revoking permission for me to let it out.…
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Remortgage as a discharged bankrupt.
Hello. I'm new to this so please go easy. Genuine question. We declared ourselves bankrupt 18 months ago. No other option available. We have coped with it without any serious problems. My main issue is. My fixed rate mortgage ends in November. It's 5.9%. Is it possible for me to obtain a better rate elsewhere or have I no…
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postcode restriction?
Hi Mortgage brokers, found couple of properties in West London at very good price. With some investigations, seems they have been on the market for quite a while and recently available for "cash buyers only". The flats are on low rises ex council, no balcony entrance, so suitable for many lenders. It seems, according with…
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:) Post deleted, please do not read thank you :) :) :)
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Fixed term contract and mortgage application
Hi My husband and I are selling our house and relocating to be closer to family to help with childcare etc. we will rent for a while until we get on our feet. My husband will do supply teaching and I will do interim work or fixed term contracts. My question is that when we decide to get mortgage, will it be imperative that…
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Help - am I wasting my time saving?
Hi I’m new to this so please be nice and I hope this is posted in the right place, my apologies if it’s not. MSE has been a massive help to me over the last 2 years to focus on my debt and other people’s posts have helped me enormously but I’m wondering if anyone can advise me on whether to continue what I’m doing or…
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second charge on the mortgage of FTB
Hi, i am enquiring for my friends, who are FTB. They have been offered a financial help from relatives in form of 10% deposit on their house (they would have had 10%themselves, but of course this puts them into a much better position), however these relatives would like to protect their financial interest by either…
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Restriction on a property
I would be grateful for some advice. I have a restriction on my property from a creditor. I now wish to get a mortgage. Would a Building Society give me a mortgage with an existing restriction? Further, would the creditor agree to an additional charge over my property? From Appleorange
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When out of woods?
Just a quick one we had aip with Halifax Tuesday which then our broker emailed all income docs we then had in the words of Halifax 'full application result- accepted' And mortgage product TAA319 has been secured. We paid our valuation fees of £355, I noticed on experian they have done credit searches. the estate agent has…
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porting a mortgate with poor credit
Hi, we are currently in a two bed house with 3 kids ( on variable rate with n/wide) we are in desperate need of a three bed house, but unfortunatley cannot get a new mortgage/borrow more as we have a DMP and £5000 outstanding on a secured loan. With my options being very slim, my grandad (very kindly) has offered to sell…
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Mortgage issues - Buying a house
Hi all, At the moment me and my gf are in the process of buying our 1st house (new build) We are/were currently waiting to exchange contracts and pay our 10% deposit, and sit back and wait. We had our solicitor make some changes to contract which we were waiting to hear back from their legal team to confirm and exchange by…
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What's better for getting a mortgage - increasing deposit or reducing outgoings?
Hi all, Buying a house soon. About to get £500 come my way, which is the exact amount I need to pay off a 0% apr credit agreement I have, which is a £50 a month outgoing. Is it better, for mortgage purposes, to increase my deposit, or pay off this debt so my outgoings are less? FYI I currently have a 15% deposit, and would…
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mortgage term increase
Hi. My DH and I have our mortgage with Santander. our fixed rate came to an end at the beginning of July. we shopped around to see who would give us the best deal. As it turns out Santander gave us the best deal, so we took out another 5 year deal with them, but we reduced the term of ourmortgage from 20 years down to just…
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Mortgage for two flats in one house
Guys, Need some advice please of any products that might currently be on the market and any lenders looking to lend to me on this. I've just done a deal on a property a house thats been converted into 2 flats and has been done so since the 70's no individual leases were ever drawn up so as far as HMRC are concerned this is…
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New mortgage or remortgage house move ?
Hi, Ok, I will try not to ramble too much. We currently own a house with a 100% interest only mortgage, I know it's not great, A house is about to come on the market near to my mil which is run down and needs lots of work but my dh loves a project and the house would be ideal for us in a lovely village etc... The house…
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Please help - Mortgage
I may well be lampooned for this but it's worth it if someone has any ideas on this... I took out an interest only mortgage in 2007, as far as I was concerned my broker selected a 25 year term, (I was 29 when I took out my mortage) which I was happy with, I have never missed a payment and never had any problems nor do I…
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First time buyer - refused again
Just got my hopes up to buy my Housing Assoc flat but Abbey wrote today to say due to the construction (concrete) they will not lend on it. It has been "reinstated" with brick cladding and should be to morgageable standards, according to my landlord and engineer's certificate. I have lived here for six years, been saving…
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Mortgage dificulties due to default/low credit rating!! HELP
Hi all, I am in a very desperate situation, I got a default on my credit history of a mobile phone company, of a cancelation fee they could not get back in Sept. 2009. I was out of the UK between 2008 and 2010, in 2008 I tried to cancel the mobile contract as I was leaving, they insisted so much of me no leaving them that…
