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re-mortgage on parents mortgage free home
I am moving back into my parents mortgage free house. I would like to add a single or double storey extension so my parents have a downstairs bedroom and I can live upstairs. Can I remortgage there house, with there permission of course, or do I need to have my name on the deeds to remortgage there house to raise funds for…
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Applying for FTB mortgage tomorrow: DOs & DON'Ts?
so, we have a second appointment with halifax tomorrow to process our mortgage application in full.. like most first time buyers, me and my fiancee are quite naive in these matters, so any hints/tips/advice would be very, very much appreciated :) the story so far: we are looking to buy a new build house under the NewBuy…
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Saffron SVR mortgage HELP!!!!
Hi, I have bad credit but a deposit of almost 40%. Unfortuantaly we cannot get a mortgage because of two historic settled defaults. I have tried leeds and now have a motgage brooker. Saffron will offer us the money we want but on a 35 year term (we wanted 25) at 5.39% (leeds was 3.7ish). The are also charging 1% fee for…
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refund on failed mortgage application
hello to all, i was hoping someone could give me advice please. last march a mortgage advisor visited me at our home with a view to obtaining a mortgage, i was informed there would be a deposit of £795 payable and was assured that if the application failed there would be a full refund and was given paperwork to that…
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Mortgages for ex-BR's
Hi, Went Bankrupt June 2007 so nearly 5 1/2 years down the line and am now looking to get a house/mortgage but am totally unsure of who to get the mortgage with. I have heard about going to brokers but this it totally baffling me. We currently have 5% saved up but just thought I would get people's views and how much I do…
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Missing Land Registry Document
Hi all, We bought our house in February 2011 (no mortgage) and recently, our situation has changed. We are now mortgaging some of the value in the property. We have applied for the mortgage and are currently sorting out the documents with the solicitors. There apparently is a missing document from the first time the house…
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Stuck in Mortgage with the ex partner
Hi, I have mortgage for 83k with the ex partner, I now live in the house with someone else and were just paying interest only at the moment, the ex has moved on and got married and wants her name off the mortgage. We agreed an amount to pay her off but the problem is I am in really bad debt and have defaulted on accounts…
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MSE News: Fuel and mortgages push inflation down
"The retail prices index rate of inflation dropped in November, new ONS figures show..." Read the full story: Fuel and mortgages push inflation down This thread is not in the 'discuss house prices and economy board' as that is only open to those logged into the forum so anyone coming from the news story may not be able to…
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Using partners wage as other in-come in Co-Ownership
Hello, My partner has a great credit history, mine not so much as I've just been in my new job four months. We are applying for co-ownership and looking at houses. Many houses seem to be just outside our price range due to their strict guidelines on housing quality Co-ownership apply. I asked the adviser if I could put put…
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Mortgage question - anyone offer me some advice please?
Hello all. Anyone knowledgeable out there with some advice please I would be v. grateful. We have a part interest only, part repayment mortgage, taken out to give us a bit of breathing space in the first few years of the term. We are now paying the amount which would be the same as full repayment as calculated by the…
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Barclays Mortgage Infographic
Morning all! This may already have been posted but I couldn't find it so forgive me if it's a dupe. Just came accross this Barclays Mortages infographic and was wondering what you all thought? I am intrigued by the values and am wondering what sort of deposits people have been paying for these figures. I have been looking…
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new mortgage
Hi everyone quick question if anyone can help,does having a mortgage on a property you're going to let out affect the amount of deposit needed on a new residential mortgage? with thanks Pete
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London and Country Mortgage Brokers
Hello! can anyone give me opinions/advice/experiences of using this broker? We are first time buyers and want to try and do as much research as possible and make the right decisions. They are phoning me back tomorrow to hopefully get a mortgage in principle - as we have seen a house we want to make an offer on. We know…
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Nationwide First Time Buyer
Hi All, First time poster and hoping for some advice. I am looking to purchase a new build property and have reserved the buildig plot with a £1,000 deposit. We have a mortage offer in Principle from Nationwice and submitted the mortage application on 10th December. I have to addmit the wait is killing me, I went through a…
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Quick question on the way your bank/ mortgage lender contacts you...
I am currently trying to negotiate with NRAM over a temporary reduced mortgage payment, which I originally asked about, in writing, in October. After completing the income form, writing 3 times etc I have paid 50% of the mortgage this month, and asked for them to put in writing, if they accept or reject the offer, what…
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Help needed - EA asking us to change lender
Hi MSE folk, My partner and I are first time buyers and have recently had an offer accepted on a property. We applied, by phone, for an HSBC mortgage on Wednesday, received the paperwork on Saturday and returned the application with all relevant documents in branch on the same day. I contacted the EA today (Monday) to keep…
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Is it possible to get a soft mortgage quote?
I'm looking to see if there is anyone who does a soft search first when making an mortgage application, like you can do for a CC or loan.
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HELP 2yr fixed or lifetime tracker with HSBC??
Hi I am looking to apply for a mortgage with HSBC. The two options i am looking at, with 80% LTV are 2yr fixed with rate of 3.49% and booking fee of £599 or lifetime tracker with same rate and same fee. Obviously the fixed rate gives me the security of knowing what I will be paying for the next two years, but the the…
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Interest Only Query
We have an interest only mortgage, which we took out several years ago as we were having financial difficulties. We want to start paying off our house but are not sure of the best way to go about this. Currently remortgaging is out of the question as our credit ratings are in the toilet, but I don't see why that should…
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Reliance Property Loans
Hi all I'm new to this but hope you can help with a bit of advice! Our mortgage was with JP Morgan who have just sold it to Reliance Property Loans. With JP Morgan I could always pay my mortgage on the 28th of each month and as long as you were under 2 months in arrears there would be no charges or marks on the credit…
