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A bit of advice please
Hi MSE, Although I've been registered a while I am relatively new to the forum so please go easy :) Me and the missus have just returned to the UK after spending five years living in Australia. Prior to leaving for Australia I defaulted on a couple of debts that have since been settled and I am now happy to report I am…
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Moving address..affect Credit ?
Hi all I'm wondering if anyone can give advice .. I posted here this week. My address for near 7 years has been my home / parents address. Where I am on electerol role. My parents are selling up early next year and late next year myself & partner are looking to buy. My q. Is what do I do re- the address? I've heard…
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permission to let from NRAM
any on here applied for it with them? what was the charges? and did your interest rate change? with thanks Pete
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Porting mortgage to move house but have to pay off debts first?
We are moving house and wanting to port our existing mortgage to the new house. We want the same terms and the same amount and will be paying off all our debts with the equity. Also we will be putting down 100k deposit. Santander have today said that we need to sell our house first, pay off the existing mortgage and clear…
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First Time Buyers - Deposit from Abroad?
Hi there.. I need some advice on the following please! My partner & I have purchased a house, the money for our deposit has been gifted to us by my partner's mother who lives in Italy. We have provided a gift letter from her, also copies of the accounts to show a paper trail of the money being transferred from her account…
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mortgage direct from nationwide despite being overdrawn.
i am thinking about applying for a nationwide flexclusive mortgage (4 year fix at 2.89%) as i have a current account with them. Our house is worth £200k and we need to borrow about £130k over 25 years. So about 65% LTV. I earn about £28k my wife earns about £10k The only thing i'm concerned about is that we are currently…
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Difference in information online and in branch - which is more accurate?
Evening Folks, I have been playing around with the lending calculators on various providers websites to try and get an idea of what we may be able to borrow in the future should we try to pursue a purchase. I also went into a Natwest branch to get a little more information about their NewBuy product and they said that…
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Chain Breaker Company
We are in the process of trying to buy a house which has a chain breaker company involved, this company are handling the sale for the vendor using power of attorney. We had eventually made it through the process up to signing the deeds and the mortgage offer, when this came to our solicitors attention, which then meant she…
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Remortgage for shared ownership
I am hoping I can get some advice regarding shared ownership. I own 50% of a shared ownership flat and pay the mortgage plus rent. The total amount of the mortgage and rent comes to a hefty sum which I pay out every month. I was wondering if I could get a mortgage for the other 50%, which would give me 100% ownership of…
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Remortgaging with "Same" Mortgage?
This may appear a silly question, but I'd like to ask it anyway. I currently have a Natwest One mortgage account. I am about to receive an inheritance, and it's going to push the account well into "credit". What I want to know is if I choose move house such that after the move, I will still owe less than my currently…
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Mortgage queries
Hi everyone, I bought my house in sept 2009 and my was deposit 25% of the house value. I took out a 5 year fixed mortgage. I met my girlfriend (now my fiance) in jan 2010 and she moved in, in June 2010. Weve been paying the mortgage together even thougth Im paying more thats not my query though! We are looking to buy a…
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Divorce - Partner wants to buy out my share
Hi People I am new to the forum but looking for some advice. Partner and i are splitting up, we jointly own our property and we are married. Current mortgage amount stands at 81000 and early repayment fees at 1650. I am in the process of getting the house valued but i think roughly they will say the house is worth 110,000…
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Bad credit mortgage broker - recommendations?
Hi all I have had a few problems in the past but have got myself all sorted now, however I still have a little over a year until the 6 years is up and my previous defaults and ccj get removed. I have been almost 100% debt free and squeeky clean for the last 3 years. Debts were settled with credit agencies at a reduced…
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Do I realistically have any options?
We have £13000 of debt most of which has been sold to debt agencies all of which have defaults plus one CCJ on my partners file. We're currently in repayment plans with all companies bar two which we'll set up when we can track down who they've even sold the debt to. We live in a rented property and our landlord will most…
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Will choice of loan provider affect mortgage?
If I take out a loan (approx £7.5k) with Derbyshire Building Society (Part of Nationwide) and I then buy a new house, porting my current mortgage with additional mortgage borrowing with nationwide - will it make a difference that both the loan and mortgage will effectively be with Nationwide or will they not care? I have…
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What happens next?
Probably another stupid question from me but as a FTB I'm trying to learn as much about the process as possible. We applied for our mortgage last week and I've now been told our application has went to "full offer" and that the paperwork has been sent to both our solicitor and us. After reading lots of horror stories on…
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Clear credit report or get a mortgage with high interest?
What is the best option my credit history debts mount to about 2800.00 am I best paying this off but what guarantees i will get a mortgage? Or do I go through a broker higher interest rate etc?? Confused.me. Thanks x x
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Should my Wife take out a loan to boost our deposit?
It seems impossible to get any kind of Mortgage with less than a 10% deposit and living and working near London doesn't help. Currently I have £16,000 saved but most properties are starting around £190,000 (Have to have two bedrooms as we have 2 kids). My rent is going up yet again next year so saving any more is going to…
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Loan just before mortgage application...
Hi All, Looking for a bit of advice - I currently have a loan and i am paying £614 per month £11,500 remaing over 20 months. I am looking at applying for a £252k 90%ltv mortgage with nationwide and although they say they will lend up to £260k with the loan taken into account, I am worried that when I apply they might…
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Final Credit Checks before Completion Query
Morning all, Question regarding the final checks the mortgage providers does prior to completion. Myself and my wife had a mortgage offer from Halifax in Late October this year. Either party is no in rush to complete this side of Christmas so it will most likely be January. Question is around the final credit check done at…
