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small mortgage
I am wanting a small mortgage of around ten to twenty thousand over 10 years alot of companys wont let you borrow such a small amount where can I get one otherwise thankyou
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Mortgage help.
Posting for a friend. They have a current fix ending at end of month. Circumstances changed and now mainly on benefits and a small ill health pension. House to loan value is ok. Take it no chance of a remortgage?
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Agreement in principle
Can anyone tell me what exactly is checked by lenders on an agreement in principle? My partner and I went through an hour ling telephone application with natwest for their 95% new buy mortgage, we were told at the end that we had been accepted subject to them receiving our signed agreement and documents, payslips/bank…
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Getting a mortgage while on probation through an agency
Hi, Recently put my shared ownership house up for sale, after jumping through about 1000 hoops for the housing association, I've finally been allowed to put it up with an agent, and had two viewings in the first two days, one of which wants to come back for a second viewing tomorrow - happy days! This causes me a bit of a…
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unable to get over payments from mortgage express due to nationalisation
Couldnt find any info on this question so thought someone in here may be able to help? In 2006 we bought a house and had a mortgage with "Mortgage Express" (bradford + bingley RBS) we overpayed our mortgage from day one and after two and half years built up equity (in overpayments ) of roughly £15,000 this was money that…
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bad credit morgage
Over the last few years i have been careless with my finances causing a bad credit history. I have now paid all my debts, however still have 6 defaults for this year showing on my credit file. Having recently been turned down for a mortgage by rbs for a house valued at £210000 with a deposit of £85000. I have seen another…
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Remortgage rates vs website rates
Hi Santander have offered me 3.99% 5 year fix, on the website there is a 3.49% 5 year fix for 70% ltv, I know this is for new customers. My question is is this rate fixed for remortgage customers no matter the ltv? We are around the 70% mark. How do they work out remortgage rates?
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Help regarding valuation, retention and extra reports!
Hi I've already posted on here about having to get a structural survey at the request of the bank. To recap, we agreed to buy at 203k. The valuation came back at 200k with a 10k retention. It also requested a structural report be done on some seemingly historic movement and the status of a dilapidated outhouse. We have had…
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appealing a house valuation?
Hi guys, We have just had a house valuation done, as part of the application for a remortgage. Unfortunately it came in way lower than we where expecting. which has now cost me £300 plus another mark on my credit history, as well as meaning we are back to square one in our search for a remortgage. Does anyone have any…
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Securing mortgage on parents house, options?
Hi Guys, We are trying to get a good remortgage deal, (we are currently on a Chelsea fixed rate of 5.79% so £700PCM). For complicated reasons we need a deal that has no early repayment charges. Our house has an outstanding mortgage for £96,400 and is valued at £115,000. So on our own we can only get a mortgage deal on…
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job dilema to get mortgage 200miles away
We are relocating back to our home county to be near elderly parents. Husband and 4yr old moved in June and camping at in-laws while I try to sell house and get a new job. Continuing with my permanant job and travelling 200miles down to see them at the weekends. My 55 yr old husband is doing anything Manpower have to offer…
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Remortgage or new mortgage?
Good afternoon all, I separated from my husband a few months ago and have agreed a cash figure to buy his share of the house. Our current deal is expiring on Dec 1st and i wish to get the mortgage just in my name (as so the house also). Would this be classed as a re-mortgage or a a new mortgage? Or both? The amount i am…
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Secured loan
Could anyone please advise me on my options. Me and my ex partner took a secured loan out in 2006 and it is due to be paid back by the end of this month (November). The problem is the loan was in my name as is the house and due to difficulties my repayments where erratic with the lender. Each time I encountered…
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Default of £380 and Decision in Principle declined by HSBC
My OH and I are first time buyers. We took a decision in principal with HSBC and it was declined. After ordering our credit reports I saw a default had been applied on my credit file from Argos. At the end of 2009 and beginning of 2010 I was moving in between houses, each time I called Argos to have my address changed.…
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Buying a second home with no deposit.
Hi All, first post.. Firstly I am completely useless with mortgages and finance in general, so please keep this in mind! At the moment I live in a house with an outstanding mortgage of 100k I have been in the house for around 7 years but as my fixed term recently ended this is a new mortage taken out around 6 months ago.…
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Mortgage Affordability Calculations - Living Costs for Family
I had an appointment with a Bank recently for a Mortgage application, and was a bit struck of how high a figure they were using for the Living costs (in their words heating, electricity, food and clothing) for a family of 4.They were putting in £1300 pounds as their standard figure. Is that a realistic figure? We would…
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Mortgage for apprentice
My son is looking at trying to get on property ladder ASAP while prices are low ish. He is an apprentice till next September and whilst they hope to keep him on there is no guarantee of a job as with it seems most these days.he has 20k ish for a deposit. What are his chances of getting a mortgage now? Thanks.
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I need real advice please
In October 2007 I could afford to pay a mortgage but not get a mortgage on my own , so my parents re-mortgaged their home with a 7 year term, giving me £125,000 cash to buy my house outright. The 3 of us all thought that:- a) my career would take off meaning I would be able to take more mortgage on my own home within the…
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Any advice whether to choose HSBC or Natwest for a mortage.
HSBC offer the most competative and best Lifetime tracker we can find for our circumstances. However having read a few reviews about the length of time it is taking to process mortage applications and the difficulties posed by HSBC only being willing to work with certain solicitors I'm really worried about using them. We…
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FTB with questions!
Hello! I have some questions. I am a FTB with a deposit of £19.5k. I earn £28k. I have no debts, I pay off my cards in full every month and have no loans or anything. I'm looking for a fixed-rate mortgage initially and at properties of around £145k. I've seen some decent deals with Lloyds TSB (calculator says £125k) and…
