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mortgage with no problems
hi I'm new so please be kind! :j I'm starting to get a little worried after reading this thread as a lot of people seem to be having problems with their lender but me and OH are having none at all? I keep thinking it is too good to be true but I've read some really bad reviews. Am I too naive or can they really be this…
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Remortgage but may move abroad
Hi all, I'm currently looking at remortgage possibilities for my BTL flat. I would like to go for another 5 year fixed deal. However, there is a possibility that we could emigrate in the next 5 years. Will this be a problem? Can I maintain a standard BTL mortgage if I move (I would not be intending to sell the flat) or…
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New Mortgage Question
Hi, I have a hopefully simple question. Next year my last default will drop from my credit file. Which will then show a good file. I have a charging order on my current property of £5 per month, the CCJ dropped off. I owe around £3000 on the charging order. I have about £20,000 of equity in the house, and would be looking…
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Move & Remortgage Advice
Hi all, hoping for some advice on best avenues for moving to a larger property. We've been looking about the market for a year or so and would love to move as we are needing more room with two young kids, but current market seems to be a stretch too far... The story so far Currently in a 3 bed starter home (~£120k value)…
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early repayment costs
Hi, just wondered if anyone could clarify for me... Me and my ex partner have a joint mortgage and the mortgage deal is about to run out. At the moment not sure if I want to take on mortgage on my own but if we take out another mortgage deal (for example 2 yr fixed rate) if we do then decide to sell and get rid of the…
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Local broker, L&C or direct?
My other half and I need to make our minds up on a mortgage for our first house together. We went to see the in-house broker within the estate agents that we are buying from. They were pretty much repeating exactly what I already knew and not offering anything that I couldn't get by going direct or via London & Country,…
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Mortgage advice needed!!! Car finance or not?
Hi there I am looking to apply for my first mortgage in the next couple of months... exciting stuff! Before that I need to get myself a new car as mine has inconveniently decided to stop working this week. Now my question is... what will be the better option for me in regards to my mortgage application? Should I use some…
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Joint credit card addition during a mortgage application
Dear experts, I have recently accepted for a ftb mortgatge and currently waiting for home valuation to get accepted by the lender prior to morgatge completion. My credit history is good and only 1 cc under my name. Unfortunately, today my wife add my name into her credit card during a call with the cc company. She does not…
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Urgent Mortgage Help
All, If anyone could advise I'd very much appreciate it. We have recently had a decision in principal come through from Coventry BS, with credit check already completed and on file. I've just had a warning from Credit expert that HSBC have put a late payment on my current account, it is for a returned direct debit. I am in…
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Getting a mortgage with a default
Hi everyone, My first post and I really hope someone out there can offer me some advice as I'm a little out of my depth! My wife and I are in the process of looking for a new house as we need more space as we're expecting our second child. We have found the perfect property and last week visited a morgage advisor. To get…
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Nottingham Building Society
As part of their application form, they ask "In the last 7 years.. have you been bankrupt...". If I hadn't been, and I ticked no, I assume that even though they would find out I had been before 7 years (if that was the case), then they wouldn't take this into consideration, and treat me like a "normal" borrower?
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Rbs one account
RBS One Account has removed all details of their mortgages from their website with the reason that staff are undergoing training. Might be nothing but not seen this in all the years I have been a customer. Hope they are not planning any nasty surprises :(
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Make overpayments so why does monthly repayment barely change?
I have a repayment mortgage (tracker) and I've made overpayments where I've been able to. My mortgage lender automatically recalculates my monthly payments if I make an overpayment that's equivalent to more than three times my normal amount, so I've always overpaid by £1,000 to fall into that bracket. When I first started…
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Remortgage - legal advice
Hello, My fixed rate deal is due to end in March, and I'm considering whether to remortgage or go onto the bank's SMR. If I remortgage either with my existing provider or a new one, do I need to retain a solicitor and/or get another valuation? Sorry if it's a bit of a stupid question, but it's my first mortgage and first…
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Is There No Hope? Consolidation Re-mortgage
Hello everyone and thank you for taking time to read this. I fully understand the warnings about consolidation, but I feel this is the best option for me. I'm hoping someone may be able to give me some guidance. My situation is all my own fault, and I deeply regret getting to this point. In a nutshell: Property value =…
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Term extension
I have an interest only mortgage due to expire in March 14 for £54,000, current house value £160,000. My problem is this:- I have three endowments on this property that all mature at different times. This is due to time spent in the military, in that I was deployed on ops during one house buying venture, let down in…
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Mortgage with Temporary contract
Hey Money saving experts, My partner and I are looking at getting a mortgage, I am employed on a permenant basis on £26k pa. He is on a rolling contract, (just renued for 6 months) on about 45k pa. We have £15k deposit saved. (I am aware that there are some 95% mortgages out ther namely the Save to Buy with Nationwide).…
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First time buyer; just after a bit of advice?
Hi all, I'm looking to buy somewhere quite soon, and I'm new to the world of mortgages etc and somewhat confused(read the mortgage guide offered by MSE, as well as one offered by Nationwide). Basically, I currently work variably; I've been in the job almost 2 years but I'm paid by the hour/what I work and that varies; I'd…
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Re-mortgaging Help
HI This is my first post on the forum so bear with me !! My mortgage is up for renewal in April and this year I want to either find a new broker or try and find a good deal myself. We are currently with Santander at 3.29% repayment of £1813.31 per month. The house was valued at 330k and we have as of today 191685k…
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Mortgage Advisors
Hi, I am just looking for some advice on how to find a mortgage advisor and if its best to see an independent advisor or go to someone aligned to a bank or building society. My partner already has a mortgage and I do not so we would like some advice on how this will affect you getting a joint mortgage and also what type of…
