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who to ask?
I have leukaemia, have given up work and am receiving ill health retirement pension. I have a lump sum of £25000 however I am still paying my mortgage which is becoming very difficult to manage. Do I use the £25000 to reduce the outstanding sum but maybe lose the house anyway if I can't keep up the payments or do I try to…
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Source of funds for mortgage
My girlfriend has just been given some good news - she has been able to sell some shares she owned and we are going to use the funds as a deposit for a mortgage. Apparently for tax reasons the shares are owned by a trust (administered by a family member) with the payment being made to my GF in the form of a loan with an…
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when can we stop panicking?
hello you lovely people we had a mortgage with Woolwich which we got a full accept for and then three days later they declined us. our mortgage broker has now got my partner a mortgage with Halifax, valuation has been instructed but we are nervous in case the same thing happens again things are going smoothly so far (!)…
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staff mortgage 0.5% ?
Hi I currently recieve a staff mortgage rate of 0.5%. Im wondering would I be better paying interest only an say sticking the payments in a savings accounts thus earning greater intrest than the 0.5% paying of the amount in a lump sum each year plus intrest of the saving account if that makes sense. Would i be better of…
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Perky77 - not receiving PM
Hi there, I tried to respond to your PM, although you have set it up not to receive pm's and therefore cannot answer your questions. Please change your settings and let me know and can send the answers you require. Dave
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Santander solicitor's panel - March 2013
This may already have been covered (did a quick search but may have missed it) but Santander is working towards requiring all solicitor panel members to have the Law Society's CQS membership. http://www.lawgazette.co.uk/news/santander-requires-cqs-all-panel-members
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Can I remortgage and add 5k to loan?
Hi all, I have a mortgage of 28k on a house valued at 180k. I having been saving for a car and will have 10k saved at the same time as my mortgage deal with a & l comes to an end. I would like add 5k to the mortgage when I remortgage so I will have a loan of 33k. Is it okay to ask the new lender for the 33k? When I spoke…
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Will we be able to get a mortgage?
We are considering buying our council house under the right to buy scheme. I estimate our house would be valued at around 150000 and we should be entitled to 47% discount. So we would need to borrow around 80000. I earn 23500 pa plus around 2000 in bonuses although these are not guaranteed. OH earns approx 5000. We…
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First time mortgage
I'm very naive when it comes to mortgage and buying a new home so I'm after some advice. I'm looking at buying a new house/flat with my partner probably this time next year. We're both saving for a deposit and think we'll manage about 30,000 plus another 4 extra for stamp duty/fees. We're both in stable jobs. My partner…
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single applicant mortgage and porting
Hi Folks, I'm looking for some advice, I currently have a mortgage with a balance of £102,000 this was taken out three years ago( 5yr fixed RBS). Since then I have had two children and returned to work on a part time basis. My partner is in a dmp and has several defaults from before we got together so I will need to make a…
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Don't understand mortgage account summary
I am just looking through my mortgage statement and there are two parts of the account summary that I pay for monthly but dont actually know what they are, can anyone help? Its a Standard Life Freestyle mortgage. 1: Equity Resource 2: credit reassessment
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23y old...mortgage advice.
My son is 23...has a job but not under contract...lucky enough to have a large inheritance.(£60k ) ....looking for small place with girlfriend..About £100k....advice re. deposit size...what sort of mortgages available? any advice to get started. thanks.
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High Repayments
I have been quoted for a mortgage, at the moment it is a decsion in principle, but the repayments I have been quoted are £1000 on a mortgage of 136k. Sorry to say I dont know the interest rate, but this does seem a rather high monthly repayment. Can any one help ?
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RTB - Please dont hate me!
Hello Im hoping you can help! Also, I know that people are not happy with the 'Right to Buy' but I could really appreciate some advice, please. I've got the right to buy my council property and have a AIP for the amount that the council are selling it to me for. However, I would like to do up my kitchen and bathroom in…
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non standard construction
Hi all has anyone managed to find a mortgage company that provides a mortgage for a building of non standard construction?
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Nationwide mortgage porting
Hello to the nationwide rep. not sure if you can help but at my wits end with our application, it has been so streesful. Nationwide could not find our originals, then didnt scan them properly and it has been a nightmare ever since. I have been phoning every day and given information which either isn't logged or untrue! I…
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How Hsbc calculates affordability-can we get mortgage?
Hi all, We are now anxiously waiting for mortgage decision from HSBC. Very worried indeed! Anyone knows how HSBC calculates affordability? We know they are tight lender. We have clean credit history, no late payment etc... After deducting new mortgage for the house we are buying + current mortgage for the house we are…
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Do I have a case against my solicitor....
Hi, Looking for some advice. I applied for a mortgage with the Halifax, it was a 10% deposit, which was ideal as I had the money to afford it. My solicitors (who I will never use again) provided all of the information across to the Halifax etc etc. The day before exchange and completion my solicitor rang me to say the…
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Fixed mortgage coming to an end
Hi I'm new here so sorry if this is in the wrong place I currently own an Apartment that I live in and have a nationwide mortgage on it on a 5 year fixed rate. The fixed rate is over in november, I have lived in it all this time. In a perfect world I would like to sell the apartment, but as its been on the market for 5…
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mortgage desperate
hi I have recently found a property with my partner, just like i did 6 months ago, stupidly i did a mortgage application without checking my score, so it got rejected, I have worked tirelessly on getting the wronglyfully put on defaults on my history and got it back from very poor to excellent. Great I thought. Now we can…
