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Halifax - DIP but no footprint??
Does anyone know if this is true... When Halifax do a decision in principal it doesn't leave a footprint on your credit file? Thanks All
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RBS Mortgage - Trouble with ID!
Hi, just wondering if anyone has had similar problems with the RBS like I have. About 4 weeks into our mortgage application the RBS asked for copies of our passports as ID. We both went into branches and had them scan a copy and fax it to the Mortgage Centre. The next day I phoned to make sure they had them and was told…
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Deposit Schemes for Mortgages?
Hi Long time anonymous browser of the forums, I would like to see what people think of this scheme I have recently been introduced to. My husband and I have sold our house, and can only get a mortgage at 85% LTV. We have a 10% deposit and so are going to rent a friends house for a year whilst we save the difference. I had…
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Patment Holidays on Offest Mortgages
Hi Everyone, I have had a Natwest Offset Mortgage for nearly five years now. My repayments are about £500 a month, and I have currently over paid by about £6,000 in added payments. unfortunately I am now in a position where I have been made redundant, so thought I would take a 3 month payment holiday, while looking for…
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Please help - mortgage rate changed
Hi all, I recently applied for a flexaccount Nationwide mortgage and the rate was 2.89 - I just checked and now it is 2.79.... Ive paid the £900 fees already but the mortgage doesnt start until 1st Jan 2013... Can I do anything to get the slightly better rate?
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Unsecured loan with Northern Rock
Hi All Would appreciate some advice... We took out a unsecured load with our mortgage in 2004 with Northern Rock and I keep being called by sales people telling me that I can claim PPI on this loan. When I said I was not sure we even had PPI on the loan I was informed due to the high interest on this loan I can claim…
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Mortgage conundrum... trying to help my dad!!!
Okay... I've got my solicitor, accountant and mortgage advisor working on this one, but we seem to be getting no-where fast. If anyone can help it would be very much appreciated! History Around 7 years ago my dad lost his credit rating as he failed to pay off his overdraft as all his money was tied up in his property. In…
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Help please - ways to reduce parents' payments
I'm annoyed at my parents because I think they have a mortgage with a high monthly payment. I think the repayment is about £950 - far too much I think for the house. The only way I know of paying less is to remortgage but I don't think they'll qualify anywhere. Are they stuck with this or are there other ways to reduce…
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Porting a Mortgage...help!
Hi everyone, Myself and my wife are in a bit of a sticky situation, but may have a way out. Bit tricky to explain, but here goes..... We currently have an NRAM mortgageof £131k on a property worth £120-£125k. I was made redundant in April (luckily have redundacy cover that pays until July 2013) and my wife is employed,…
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Mortgage Adviser help
I want to get the mortgage through the mortgage adviser due to my tight work schedule. Is Alexander Hall advisers are good? please share any previous experiences and feedback thanks :mad:
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Broker running credit searches against my wishes...
We are looking to buy our first house, so I'm sure many of you can sympathise with the stress and confusion that this entails! We have been dealing with a mortgage broker, and had sent him a lot of personal details with a view to him getting a Decision In Principle for us at some point. However, after receiving bad advice…
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First time buyer
Does anyone have any advice re first time buyers and where to go for the best morgage. My son is hoping to purchase his first property but is on a fairly low income but would prefer to do this than rent.
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Will Writing?
Can I start of by apologising if this has been posted in the wrong section/area. Is there any guys on here who have the knowledge of what it takes to get a will done. Things like cost? Best place to get the will written? I've heard its a solicitors is this true? What type of wills are best? Blood wills etc etc. Me and the…
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FTB Mortgage & existing car payment
Hello everyone, I've been trawling through the forums to find an answer to this and wonder if someone can offer some advice. Firstly here is my situation: I am a first time buyer buying a property with an 80% mortgage, deposit is partially being funded by parental gift (and is being dealt with by my solicitor accordingly).…
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Proof of Gift
Hi Im a FTB, my parents are considering giving me a gift towards deposit of house, however they asked a question i dont know the answer to....... will the mortgage provider want to see theire bank statements to see where this money come from? Or if they sign letter saying they have no interest in property and will not seek…
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Remortgage
Hi, I'm new to this site. I need help for remortgage. My property value is £270,000 and I need a five year fix rate for £153,000 over 12year and I'would like to release equity of £30.000 for 5year term. Where can I get the best deal? Fee Free if posible. HSBC are offering 3.49%. Fee 499+valuation.
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Santander - mortgage increase
Hi, My mortgage by default is now with Santander. Originally we took out our mortgage with Abbey who then got bought out by Santander. We took out a tracker mortgage three years ago that confirmed that our interest rate was at a set percentage above the base lending rate. Santander have now increased our mortgage by 0.5%…
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Will I get a mortgage
Hi there, A bit of background first...I am 25, in full time employment (although have only been in this job for 9months) and earn £19,000. My wife is 28 and a house wife who brings in around £7,300 in tax credits etc as we have two young children. My wife has an Experian score of 701, though no defaults or anything like…
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Mortgage overpayment advice
I'm going to make a lump sum overpayment of my C&G mortgage and I've been asked whether I want to amend the balance or reduce the mortgage term. I'm not too sure what the difference is - can anyone help please?
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Using Someone's Details to Get a Mortgage, or Loan
We've got a friend over who's in a bit of a twist about her details possibly being used (by someone else) for a mortgage. The person(s) has/have access to her personal belongings (yep, her family) and she suspects something is going on. What is the best/easiest/quickest way to find out for herself? A credit check? Any…
