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How does this work?
Hi 1) How does credit scoring work? when they take your name, address etc etc do they run that credit score based on that address that one has given them? or can they find other properties one has lived at or has a mortgage on? (because in USA they ask for ones security number (National Insurance) and run it by that, but…
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Barclay:Mortgage declined on affordability
Hi, I try to apply for mortgage for shared ownership from Barclay last week over the phone and it was declined on clearly on base of affordability(asked for £78,000-43.5% of full price). Now, I have choose another flat in same building which is affordable to me {checked woolwich intermediaries affordability calculator) and…
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Mortgage type
Could anyone advise which mortgage type to go for in these times. Thankyou
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Is it possible to get a mortgage with bad credit?
Hi, As above really? Anyone with bad credit ever managed to get a mortgage? Ive seen a couple of websites who give people with bad credit a mortgage at a high rate? Anyone ever done this?
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Do I pay off the entire mortgage?
I have just inherited some money (60k) which coincides nicely with the end of my £50k 5 yr fixed rate mortgage. I am going to therefore pay of my mortgage but just wondering if I should pay off the entire amount? I would like to move house in a couple of years and was wondering whether it would be easier if I kept a small…
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Wrong address...
Reported from house buying as no responses there... Just had a call from my solicitor, the builders gave me the wrong address on all my reservation forms, my door is No 10, not 12. So now my mortgage offer, valuation & all paper work got wrong address on it. Solicitor didn't seem too concerned as the plot is correct, but…
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Joint remortgage - one person on a fixed term contract and has a CCJ
Hi My girlfriend and I are looking at remortgaging in about 8 months (August 2013). When we first got our mortgage we were both in permanent employement. I am considering entering into a fixed term (12 months) contract of employement (start in January 2013). We are concerned that when we come to remortgage in August 2013…
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Estate Agent Valuation vs By to Let Mortgage companies Valuation
Hi all Is there much difference between an Estate Agent's Valuation of a property and that of a valuation organised by a Mortgage lender who's lending for a by-tolet mortgage? Any input would be appreciated. Cheers
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Mortgage on a Temporary Contract
I have recently split from my husband and would like to take on the mortgage and pay him off myself. The problem is I am only on a years contract at the moment and also I would need them to take into account maintenance and possibly tax credits (but I may be ok with just the maintenance taken into account). I am currently…
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Re-mortgage with a Re-mortgage Package deals from Banks/building societies
I’m new to remortgaging and have been looking to do straight forward re-mortgage on great interest rate/deals. I’ve recently completed my research for the best deals re-mortgage for LTV-75%. I found that so far, Yorkshire Building society is the best option for me, as their rates were reasonably low on fixed rate and…
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MSE News: How mortgage overpayments this month can save £100s
"Borrowers with mortgages where the interest is calculated once a year could save by overpaying in the next few weeks..." Read the full story: How mortgage overpayments this month can save £100s
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coventry building society mortgage offer
has anyone else been waiting for a mortgage offer from the coventry, they have had all relevant paperwork, direct debit forms etc but still no offer in over a week
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Address history for mortgage appli.
Just wondered how far back mortgage companies go when asking for your address history. And also how many previous addresses are normally considered acceptable?
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NRAM mortgage arrears.....any advice welcome!
Hi all, just looking for any general info. I have the misfortune to have a mortgage with NRAM, and being stuck with them have recently gone into some financial trouble. Unfortunately this year my wife's mum died, and my wife was extremely distressed and ended up on sick leave then unpaid leave from work on depression; I…
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Value of extended lease
I have a query re: valuations for remortgaging and the relevance of lease length on a valuation. We have a 2 bed flat that we want to remortgage (to buy to let). It has a 69 year lease - which we ideally want to extend in the next year or so. We had the property valued by an estate agent 4 months ago at £170k. He said a…
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End of fixed term, valuation issue!
I've just come to the end of a three year fixed mortgage with Yorkshire Bank, our first three years on a 25 year mortgage, house bought at £108,000 (originally listed at £115,000) and with around £92,500 still to pay. Yorkshire failed to send out any notifications as to where we were or our options until this week when I…
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Paper free - what documents can I safely get rid of?
Hi guys, I recently bought one of these PDF paper scanners (a Fujitsu one as it goes). It's a fantastic device and worth every penny of it's pricey £300+ price tag. The net result is now everything is organised wonderfully on my PC and backed up to my Dropbox. My question relates to documents regarding property - mortgage…
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Looking to re-mortgage
My house is 'worth' over £80000 (2 bedroom Scandinavian pine, back n front door, gardens to front, side and back). I owe around £49000 and have about 14 years left to go (all approx as the details are up the loft just now and dont have the ladders to go get them). I also owe £2500 on a credit card that i am just starting…
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Two rates which one will save more money over a two year fix term
Borrowing £105k over 23 years two year fix term 1 - First direct 3.19% product fee of £499, £149 valuation fee and £400-£600 solicitor fee 2 - Halifax 3.84% no fee, no valuation or solicitor fees I worked out that over the two years one can be sav by going for the 1stdirect deal. Anyone clever enough to do the calculations…
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End of fixed term mortgage
I have been in to the Santander bank today to pay a cheque into my account, and the counter assistant tried to persuade me to change to Santander's 123 Current account by extolling the virtues of said account, and tempting me with what appears to be a reasonable amount of cashback. Whilst listening to her I realised that…
