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Remortgage Question
Hi. I currently have an NRAM together mortgage that had a secured loan and an unsecured loan. Luckily my parents have offered to lend me the value of the unsecured part so I can move away from NRAM and try for a better deal. I'm currently on NRAM's SVR of 4.78% which I would like to get down to around 4% with another…
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To Sell or to Rent
I bought my property 5 years ago, just before the recession hit so I paid full wack for it. I am now in a position that I am going to move in with my partner in the next 2 months and I am trying to work out whether to rent out my apartment or whether to sell it. If I sell my apartment I will be left with £5-£10k to find as…
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Mortgage Question.
Right, basically my father recently passed away leaving myself, my sister and half sister. his estate is being split 45-45-10 so i would own 45% of the property. My question is based on whether or not i/we would be able to get a mortgage under my current circumstances and if so how should we go about it Circumstances: I am…
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Split with partner, how to divide the equity?
Removing post.
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Looking at options ref endowment shortfall
My interest only mortgage is close to its end point (a few months). Last year I spoke to my lender suggesting that the endowments wont cover the settlement. They said they would need to re discuss at end of policy but in the mean time I have lost my job also (last 2 months). I wasn't really mis-sold one of the endowments.…
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Letter of Consent and Postponement by Deed
Hi All I hope you can help Our current mortgage deal is up so we're moving to another provider. We have been accepted on condition that we provide them with bank statements, utility bills etc. Also, my DH bought the house before we got married and is the only one named on the title deeds. As we want the mortgage to be…
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First time buyer -High depreciation on a new built
Dear money saving experts, I'm not sure this is the right thread for this question, so please bear with me if Im doing anything wrong. I'm a first time buyer who's going to buy a new build house. The house was built on 2008 and the current owner bought the house nearly for £200,000. My offer was accepted for £150,000 and…
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Can you change the mortgage deal during your Mortgage application?
Hi Money saving experts, I applied for mortgage and my application is still pending. I have received valuation satisfactory yesterday. I applied my mortgage through Nationwide. Now, I just notice that Nationwide has droped their rates. Is that possible now that If I can change to the cheapest one??
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I've received a mortgage offer
I'm after a bit of help please. I've just received my mortgage offer with nationwide which is great news! the only problem is I need to use my credit card for a £2000 bill! this will before the mortgage completes. Will this affect the mortgage completing? I had £900 on the card for a month or so ago but it was paid off a…
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When's first mortgage payment due?
Hi, We have exchanged contracts and our completion date is set for 15th feb. we have our mortgage with halifax and have asked for our first payment to come out at the start of the month and I already know it will be more then normal at £1750 instead of £1200. I just don't know when they will take it, on the 16th or 1st…
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Tracking Nationwide Mortgage Application
Please can any advice how to track my Nationwide mortgage application. The website stating that This website is for use by professional intermediaries only. Is there any way to check the status??
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Revaluation to remortgage confusion !!
Hi there, I've been reading some previous threads concerning revaluing your house on remortgage to get a better LTV. I have say I find the whole mortgage thing very confusing and daunting so would appreciate any advice on my scenario. Essentially my 3 year fixed mortgage ends shortly and we have an approx 18% LTV on a…
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Mortgage advice
Hi, new to the forum and after some advice. I have recently relocated due to work and am currently renting out my property while I rent in my new location. Ideally I would like to continue renting out my property and buy in my new location. I have about £60k in equity in my property but only about £15k in savings. My…
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Mortgage decision, advice needed
Greetings Money Saversavers, I hope someone can help me with a dilemma I am currently having... My wife and I currently own a property as tenants in common. It has a value of £170,000. We have an outstanding mortgage of £140,000. We are looking to sell this property to purchase a new house with a value of £200,000. My…
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Pre-emption agreement stopped remortgage!
We have heard today that our remortgage application has been rejected because we have a pre emption agreement on our house that states that should we ever wish to sell our house in the next 8 years we have to offer it at full market value to the person we bought the land off. He then has 28 days to reply whether he wishes…
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How does credit card debt affect mortgage application
Ttttttttttt
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Chances of getting First time mortgage with late payments!?
Hello, After weeks of reading this forum, thought I would pluck up the courage to write my own question. My partner and I are looking to buy our first house in a couple of months. We have a 20% deposit, could get 25% if needed too. I have an excellent credit score, with no blips, however my partner, he has a good credit…
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Fixed Rate Up Soon
My mums fixed rate is due up in September, it was fixed in 2008 at 6.58%. My dad fixed it back then but died a year later meaning my mum had too and still is paying £1183 per month. Luckily he left enough to make the payments each month and she has not missed a payment since she started paying in Feb 2009 after a 6 month…
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should bankruptcy be an issue after 6 years?
I am not questioning if it is an issue , it clearly is But in people's opinions should having gone bankrupt , effect you for the rest of your life? Most other issues aren't considered after 6 years have passed. does it really make that much difference to a lenders risk after 6 , 10 or even 20 years?
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Deed of letter of postponement
What does this mean Deed of letter of postponement thanks
