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Can banks really tell me which solicitor I can/can not use?
I am in the middle of trying to get my ex-husband taken off the mortgage deeds - been going on two years and bank have messed up - but now they are telling me that the solicitors are no longer on their panel and I can not use them! They have also closed the original claim and are telling me I have to start the whole…
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trying to remortgage
Hi. Im hoping that some money guru on here can help me out. My situation: Mortgage free. Have £1 nominal balance with Nationwide. House worth about £170k Do not work. Currently fixing house up to rent out as Im moving in with other half. What I'd like: I need to raise £50 to 60k for a short term investment, about a year.…
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Unknown bank fees 4 years later.
We were advised that an endowment mortgage we had was under performing (around 2008.) We surrendered this, cashed it in and paid the money off what we owed. We then converted the outstanding balance to a repayment mortgage. Last month we received a letter from the bank saying that they are putting our mortgage up to cover…
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mortgage application- with or without debts help please
hi, as simple as i can explain it- My partner and i are in a debt management plan- total debt being about 16000 and all unsecured. The debts are some his and some mine. Our plan is to split the debt plan up which we can do, my debts only equate to £3000. My partner has received some ppi money and would like to donate the…
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business mortgage
Ive seen a building with 3 bed room flat upstairs and shop downstairs. how do i go about getting a mortgage? (Ive about 25% of the required amount) thanks
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NRAM Unsecure Loan Porting. Together Mortgage
We were hoping we could get a little bit of advice. We’re currently in the process of selling our house (offer accepted). Normal case, no deposit saved to start a new mortgage package so we’re planning to port the existing NRAM deal to the new property. Currently are existing mortgage is at: secured £168,767 and unsecured…
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Is it possible to remortgage?
I have interest only mortgage jointly with ex partner.it is at high rate of interest with sub prime lender ex partner was self employed with poor credit.I would like to remortgage to extend the term to ensure a home for my children and if possible obtain a better rate .i need about 65% LVR .however there are three…
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Accruing 0% CC debt to Improve Deposit
We have modest post july wedding savings of around 7K, with no car finance or CC debt. (We own a small property, but we are likely to lose 4/5K on it.) My question is, would it be advantageous to put all fuel & food on a 0% CC in order to maximise what we can save? To run up 3/4K of debt that we can tart 0% for a year or…
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Are Mortgage lenders really THAT strict?
Hi. Im a FTB on the roads to getting my first house. After applying with Britannia for the 3.99 rate, all seemed to be going well - valuation done on property, applications done etc. until they dropped the bombshell today that the underwriters have declined me for "late payment on credit agreement" Now very bemused by this…
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Second Credit Search
This could be a very stupid question - but I have no idea! The Woolwich carried out a Credit Search on myself and my Husband on 13 November for our mortgage application. It is down on Experian as a First Credit Search - does that mean that there will be a second search? We have been trying to keep a certain amount of money…
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Remortgaging Problem
:( :cry: _pale_ Hi all, I am really stressed, hope someone can help. I am currently extending my kitchen and doing other work in the house. The plan was to get a remortgage to fund the costs. The mortgage adviser told me to start the work and he will get the remortgage sorted and it won't be a problem, in fact it would…
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Will my IVA affect my partners mortgage application??????
Hi can anyone shed some light i am so anxious that my partners mortgage application will be reject by the underwriters due to my previous poor credit ratings. The short version is, we have been offered to purchase the house we live in and only need to borrow max of 30% of the value on a mortgage. I opted to stay off the…
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Trouble porting mortgage with Nationwide, when buying but not selling
Hello, I wonder if anyone has come across a similar problem to ours. We are very close to exchanging contracts on a new property, but sale of our flat has not yet been finalised. Therefore we are moving 'chain free' by getting the biggest mortgage we can and all savings. We have got a mortgage offer that includes porting…
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Missing House Deeds
Hi, we have very recently paid off our mortgage and I have just contacted Nat West for the Deeds. However, they claim that they have never held the Deeds and that they would probably be with the solicitor or the last Building Society that we had a mortgage with. What's the easiest way of tracking these down please? tia dx
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Mortgage - Do I stand a chance?
I'm hoping to get a mortgage on a £110,000 house. I have a deposit £60,000 so would need a mortgage of £50,000. Unfortunately I have less than perfect credit. I made a lot of mistakes (and have paid for them!!) in the past, including several defaults and one CCJ. I haven't defaulted or missed a payment in at least 4 years…
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Mortgage Rejection: bank account fee default
Hi Approximately 2005 I got a mortgage from Ulster Bank and they said that if I opened a bank account with them "ufirstgold" with a monthly fee of £13 I'd get a better mortgage rate. Opened the account and paid £150 (a direct debit wasnt set up) into the account to cover fees then I forgot about the account.... I still own…
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Mortgage for over 60s
We, couple aged 60 & 56 have lived abroad for 30 years & wish to return to our roots. We have a house to sell but need about another 30,000 in order to buy a home on our return. I am wary of equity release schemes on the basis that if something seems to good to be true it probably is. Can anyone advise whether a mortgage…
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Indepedant mortgage advice
I just wanted to put a message on here to show independent mortgage advice is in my opinion the best way forward. 5 weeks ago today we had an offer accepted on a house. We had decided to release equity on an existing property and have another mortgage on the new property. We had to move very quick to secure the house. We…
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Shared Ownership - unfair mortgages
Can anybody explain why all mortgage lenders I have spoken to will give me a 4.7% mortgage on any property EXCEPT the one I am currently living in?? I bought a 50% share of it 5 years ago and now want to buy the rest of it with a 10% deposit. I am only being offered a 6% mortgage deal. My mortgage advisor was vague and…
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Accord Mortgages, what's the reality?
We have a mortgage in principle with Accord, we are popping in to see our broker in the morning to pay a fee or sorts, Im guessing arrangement fee and possible valuation fee up front. I came across a site which gave individuals reviews of their experiences with Accord, many with perfect credit and large deposits who have…
