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Offset LTV
In the fairly near future we'll be looking to remortgage, coming off a terribly high 5-year fixed rate :cool: I'm quite liking the look of offset mortgages, as we've some savings (currently in an ISA). A specific question about the LTV percentage. If for arguments sake the house is valued at 100k with an outstanding…
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Stay with Halifax or remortgage with somewhere else?
My fixed term has ended and currently on 3.99. Thinking of fixing for 2 years with Halifax or go to a different lender? Any advice? Thanks:beer:
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Re mortgaging with same lender
Hi, when remortgaging with the same lender in my case Santander, what do they need to know? For example do they ask for pay slips and bank acct statements still? The problem we may have is that my wife is on maternity leave for a year and her pay has started to go down.
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Nationwide down valuation
I contacted my broker today to chase up my mortgage application on a new build property and he has told me it has been down valued by the nationwide. The property was for sale at 299950 and I was purchasing the property on a 20/80 split shared equity with no payments or interest but to be paid back in 10yrs, we factored…
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Nationwide valuations?
Hi, we have been AIP from nationwide for a mortgage, the loan amount is £148000, the house estimate by us is £215000 which puts us on the limit for the 70% rate, the last house to sell from our road was 2 years ago for £210000, and surrounding roads are between 200k and 245k, the man on the phone says they do actual…
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Help please: FTB broker or bank? How much can my GF borrow?
Please help MY Girlfriend is a 1st time buyer She wants to borrow approx £130k £15k deposit Earns £34k pa. She is a teacher Currently pays £199 per month on a car on PCP, debt classed as £12k. She has a credit card with a £0 balance and £750 credit limit Credit history: Fair? She hasn't ever missed any payments, but…
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Advice Please
To cut a long story short we need to move out off our back to back house and into a bigger house and my wife's parents are moving in here . We have £15,000 left on the mortgage so my in laws are going to pay this off meaning they won't pay no rent. Are we better adding the £15,000 onto our new mortgage and get my in law's…
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London Mortgage Company!!
Hi I wanted some advice. We took out a mortgage 7 years ago with teh LMC. Since then they no longer trade and it went to Capstone and then ascenden. We have had an interest only Mortgage all this time so the money we borrowed is going to be what we owe, plus a bit. What i wanted to know was that if this company no longer…
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mortgage Lump sum repayments chicken egg.
A customer has an existing mortgage a life time tracker with no erc or associated tie ins. He/she has ±70pc equity in the mortgaged home.no ccj no credit issues and has perfectly run mortgage for the past 9 year or more. The lender confirms,...."we can confirm that your current Mortgage product may be ported to a new…
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Mortgage Overpayment Question
I have a quick question about overpaying part of my mortgage. I wont go into the details, amounts and percentages etc of my particular deal (which is an extremely attractive lifetime tracker) but basically I want to pay off approximately 10% now then set up a regular overpayment. I have spoken to my bank who say once the…
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Endowment cancelled. Any point in pursuing mis-sell
Many years ago, 1998 to be precise I took out a mortgage and an endowment. 5 years on, realising that the endowment was already not performing very well, i cancelled it, when i opted instead for a standard repayment mortgage with another company. Initially I do recall some very fancy looking projections for the endowment…
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URGENT: occupier's deed of consent
Sorry for the urgent marker, just need some quick help!! We exchanged on our New home today :beer: The mortgage we have is in my husband's sole name because my credit history isn't great. We've done everything completely in his name.They have transferred the mortgage over to the solicitor ready for completion next week.…
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Does mortgage go to underwriters pre or post valuation?
MA has said 'The mortgage is now just subject to the valuation'. Do you think this means it has already been to the underwriters? As I have thought that would come after the valuation? Apologies if this has been asked before, did search but no recent posts. Thanks all
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Mortgage brokers fees
Hi, I'd like to know if anyone else on here has had any dealings with LWF Mortgages and if so, did they find the fees acceptable or were you even told about the fees? A couple of months ago, I knew my fixed term on my mortgage was coming to an end and the interest rates were starting to creep up so I tentatively looked…
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Re mortgage question.
Just about to go thru with a re mortgage, it is for around 50% of the house value. We are hoping to sell the property in the next 12 months and have an interested party who might want to buy it early next year. My question is can the re mortgage company interfere with the sale of the property? We know it is a bit late to…
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In need of advice please re mortgages and ex
My ex and I split up 2010 after 7 years together. During that time we bought two houses together. The two of us both have new partners that live with each of us respectively. Both houses have joint mortgages in both our names. The house that my ex lives in, I put down 10k of the 15k deposit. The mortgage for the house is…
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weird mortgage help!!!!
hi, Bit of a weird one. my partner and I , not married, wantto buy a property for 140000. we have a 7000 deposit and were going for a 95% new build purchase mortgage. However, my partner is on a dmp and cannot get a mortgage. We both earn 27000 a year. This means I can't get what we need on my wage, my question is, would…
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moving house is it possible?
Its my first post so please be gentle!! Me and my husband have a morgage for £81500 our house is valued at £95000 we have had the house for 6 years and arent on a fixed rate interest is currently 2.5% i think. we have a small amount of debt £4000 in overdrafts we have previously been declined a loan we have a joint income…
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Can I get a mortgage? Help needed urgently
Hi all, New to this forum and looking for advice/help/recommendations. My situation: FTB (in London) 10% deposit or well 13K looking for a flat in the region of 125-130K. I wanted to buy a property but thought it would be best to get an AIP before starting so that I can get a move on quickly. Thought it would not be an…
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Help/advice? Confused about mis-selling!
I'm not sure who to address this question to - can anyone point me in the right direction? I bought a house in 1994 and sold it in 2003. I now believe I was mis-sold the mortgage; it was a pensions mortgage but it would only have covered paying off the mortgage, not enough to buy an annuity with. I was also mis-sold…
