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repossesion
anyone got a rough idea how long repossesion takes with chelt and glos.
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Scrutiny of my deposit for mortgage
It's been a long time since I applied for a mortgage. My mortgage adviser says he needs proof of my deposit for my BTL. I didn't anticipate this as I thought I didn't need my deposit until exchange. I need to know how I can get myself best prepared for the scrutiny/questions this is going to cause now. My sister owes me in…
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mortgage query - keep or not
so our mortgage is due to be paid off soon. we do however want to move again in the next few years and will need a much bigger mortgage than the one we had. so my question is - are we better keeping a mortgage (its an off set - we can take some money out and keep it going) or getting rid and starting again. or does it not…
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mortgage help
partner had bad credit but now got clear history and usuall banking facilities.Her bank told her that although shes clear they still look at it and couldnt provide her with a mortgage,did say other lenders probably would any help will be greatly appreciated.
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Difference in wording of morgage offer letter and morgage conditions
We have been told by our morgage company that there has been a difference in their morgage offer letter and the morgage conditions. They have also advised that they might have given inappropriate advice .Is this morgage valid?
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ESA/Incapacity Benefit and Mortgage.
Is anybody dealing with a mortgage provider that is accepting their Incapacity/ ESA Support as income. with the bedroom tax and the changes to tenancy agreements, plus the increased discount we have looked at right to buy. and we can afford it, but are struggling to find a lender willing to discuss things . looking for an…
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Deeds for mortgage swap
Dear All, I am hoping to reduce my mortgage but cannot do this without putting my partners name on our home deeds (as my income has dropped)... couple of questions: 1 - Where can this be done? Is it a simple process that I can do myself. 2 - As it is our primary residence & we have been together for over 10 years I'm…
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Is it worth an early exit?
£120,000 outstanding £140,000 value Natwest 5 year fix at 5.99% due to end Dec 2014 I've found a 90% LTV 5 year fixed product with no admin fee at 4.20%. http://www.thehanley.co.uk/hanley_5_year_fixed_5051.html The svr it drops on to after the fix is terrible but I'd budget in a mortgage move and with overpayments unless…
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Britannia Mortgage 5 year Fixed - no fee
Hi.......I am !!!!!! !!! Just saw this that the Britannia (coop) are offering a fee free 5 year fixed at 2.79%. I only applied and have now had my mortgage confirmed at the old admin fee which was £999. The house has not completed - can I do anything?
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Cash poor asset rich - best way to get mortgage
I'm hoping to get financial advice. In summary we are asset rich but cash poor and need to reorganise our finances so that we can raise some capital to purchase an apartment Our portfolio House approx value £240k no mortgage Rental prop - commercial office value £220k, annual rent 13k Rental prop 2 - commercial office…
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Pay debt (low APR) before mortgage application?
I am looking at applying for a mortgage in 6 months time (85% LTV). Most of my debts are on low APR's. I currently have the following debts: Card 1 - £2,100 (2.49%) - CL: £4,000 Card 2 - £1,500 (0%) - CL: £5,000 Card 3 - £0 (Argos Card) - CL: £750 Loan - £9705 (5.8%) I am moving town, so would be looking for a CTL on…
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ING Mortgage Valuation to Offer timescale
Any idea of the time scales from valuation to offer letter? The valuation was done the same day as the full application. But the Aip took a week and a half and was very thorough
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Remortgage with new partner
I am just looking for advice as I know people can help on these forums. 5 years ago my ex partner moved out leaving the house / mortgage in mine and his name. I now live with my current partner for 2 years and we are looking at remortgaging in both our names. We think due to 125% mortgage and house prices we could look at…
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HELP Mortgage Decline due to financial association
I am hoping someone can help me. My boyfriend is trying to buy a house and has applied for a mortgage 100% in his name. he has a credit rating marked as 'excellent' by experian and a 10% deposit. He was told last week that Santander would approve his mortgage however yesterday was told they had now declined due to a…
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My idea - Will it work?
Hi :j I need a bit of advice / reassurance that my idea is workable, or not. I have one flat which I let after I moved out (value £130,000. mortgage £600. rental income £600 pcm). I have another flat where I currently live (value £115,000. Mortgage £85,000. possible rental income £550 pcm). I would like to move to a bigger…
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Is this do-able?
Hi all, I have no idea if this is do-able, but here goes. We have a 2 bed flat in greater london - about 50k equity. We would like to move to a bigger house after having a baby and I am wondering if there is a way to keep the flat as an investment (switch to buy to let, or get consent to let) but also releasing the equity…
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Mortgage - Poor credit
Hello I really hope someone can help me this and I would really appreciate any advice you have: I’m looking at getting a mortgage and I have an adverse credit rating and I am with the CCS paying off some old debts, I have never missed a payment.
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MEAF Do it now!!
:j:j Just rang Halifax not expecting anything at all. Saw on this site about reclaiming your mortgage exit fee. We moved house in 2005 and paid £175 repayment administration fee. I have just been told I can expect a cheque for £175 in 2 days. Thank you so much Martin.:T:T
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Mortgage Chance With Adverse Credit.
Hi, Was wondering if one of you nice people could offer any advise. It has gotten to a stage in my life where I am fed up of renting currently privately renting and have paid over 37K in rent over the past 6 years! paid in full and on time each month. (Not on Credit File) Unfortunately I dont have the best credit.…
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Clueless First time buyer?!?!
Hi all. Looking for a little advice. I would like to get my foot on the property ladder and have found a property selling for £25000. I have £2500 deposit and wondered, well a couple of things really, a) what type of morgage is best? b) Is it better to take it out over less time and pay higher repayments? (my salary is…
