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Mortgage application while overseas
Hi, My husband is coming to the end of a two year project in the Middle East and we're returning to the UK in early March. We need to buy a second home near his head office where he'll be working from and although we have HSBC over here. they can't process a mortgage application for the UK. We want a mortgage of £100K for…
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Cemap - home study or direct via IFS??
New user here... Just a quick question. I'm going to do Cemap. I've looked at various training companies and have had some recommended. (I'll only be able to do home study though..) However, I've noticed on the IFS website that if you register for each exam (currently £155), you get study materials anyway? So, is there any…
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What are my options?
I fear I already know the answer but I would like to ask anyway in case I am missing something... My wife and I have a mortgage with Northern Rock or NRAM as they are now known. We got this literally just before the whole NR thing was kicking off. We have been with them for just over 5 years paying regularly but we now…
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90% LTV mortgage underwritten over the phone
Hi All, First post for me. Wondering if anyone can give any advice or reassurance. I applied for a 95% LTV mortgage with £7600 on credit cards and a personal loan for my car with Monmouthshire Building Society. Despite going through the application and figures with the branch manager, they rejected it in full applicatin as…
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Investing in a 2nd home to rent out
Hi All I'm just looking for some advice here. Me and the OH are looking at the possibility of releasing equity from the house to buy a 2nd property to renovate and rent out. Basically the house is owned outright - no mortgage, no debt on the house. However the OH has about a 5K debt he is paying off at the minute. Other…
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Repayment Mortgage help please
Hi everyone I currently have a miortgage with h/fax which is a repayment & owe just a teeny bit over £87,000. The current term is 17 years and 2months. The mortgage is actually part fixed rate 3.84% until Nov 14 and the other bit is a Lifetime tracker is 1.04%. the bulk of the mortgage is on the fixed rate (off hand I dont…
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Help - First Time Buyer!!
Good Afternoon, I am 23 years old and hoping to buy later on this year. I just wanted a bit of help and advice, I have currently moved home to save and pay off some debt. All being well I will have paid off most and left with a £3k loan and £7k savings. I have a credit score of around 650 which experian tells me is poor…
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West Bromwich Unethical Practices, Help
Just completing (trying) our mortgage with West Brom. Having already supplied 56 pages of information requested. They are still asking for even more information; for example they have referred to 3 payments made from my personal account statement. They want to know what the £40 was for, and they want to see the account…
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Agreement in Principle
My partner and I went to see a fees free whole of market broker at the weekend about a FTB 90% LTV mortgage and I think he got us a really good deal with Santander. 4.49% Fixed for 2 years, £250 cashback, Free Valuation and a contribution towards legal fees. He put our details through to Santander this morning, who did a…
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Odd situation with deeds
Hi, I find myself in a bit of an odd situation In Sept last year i purchased a newbuild leasehold flat from a housing trust (lets call it flat 1) I viewed flat 1 a couple of times and decided to buy, mortgage approved and completed with no issue and i've been in flat 1 since late Sept last year I recently downloaded copies…
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Barclays Mortgages in Northern Ireland??
Can you get Barclays Mortgages in Nothern Ireland? in particular the Family Springboard Mortgage. How does this help first time buyers? Will this assist people with maybe not a 100% credit rating or does it just help in relation to a deposit? Thanks J
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Interest only Mortgage to repayment
Can you change from a interest only to a repayment mortgage without having to find a deposit ? I realise the payments will be more, but providing you can afford the monthly payments, without having to find any lump sums, except for transfer fees etc. it would seem to make sence. Any advice would be greatly appreciated.…
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Limited company owner and part time employee mortgage information required
Hi All My husband and I have held a mortgage with Nationwide for 5 years and are looking at moving up the ladder this year. I co-own a web design business which will have been running 2 years in May and take a part-time salary from this each month. In addition, I also work part time to supplement the business in its early…
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Living with partner in flat on his mortgage can't remortgage he has poor credit score
I live with my partner and we live in a flat that he has on a mortgage, his exes name is on the mortgage so we tried to get her removed but as they both have a low credit score they said she can't come off! We tried to get a completely new mortgage as we would like a house, but no where would accept us... Any ideas???:cool:
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Whole of market, fees free broker!
Hi all, Can anyone recommend one of the above in the Berkshire/Buckinghamshire area? Would prefer a face-to-face approach but I guess over the phone would be ok if the deal is right! Thanks in advance :o )
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Borrowing for home improvement - wil I lose current mortgage rate?
Hi, new user here. I am considering extra borrowing to do a house extension and was thinking of just adding it to my existing mortgage. Currently we have a very good rate of 2.5% variable (It will always be 2% above base rate maximum). If I ask for extra borrowing, will the entire mortgage be renegotiated? Is it better for…
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Mortgage advice with bad credit or possible Remortgage at 65
Hi. I'm new so please be gentle. I'm looking for some advice please. I want to remortgage my home to help pay off my son's mortgage. I am a 65 years young widow, my house has around £1000 left on it's own mortgage with Nationwide. It's current estimated value is around £85k-£90k. I would want to remortgage for a minimum…
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1st time buyers 20% mortgage?
Hi all, OH and I want to buy our first house in a couple of years time. We have good incomes and can afford a 20% mortgage. However we both have "ok" credit ratings. Hopefully in 2 years time this will have changed (mine is due to silly credit agencies never having put me down as on electoral roll anywhere i have lived!!).…
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Mortgage Application
Hi - hoping someone might be able to help with a quick query. myself and my wife are thinking of buying our first home in the next year or two. we've a trip to thailand coming up soon (all flights and accom pre-paid) but saving for a house deposit continues. my query is does anyone know if the number of credit cards we…
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moved thread
Re-posted in the correct forum area. See: https://forums.moneysavingexpert.com/discussion/comment/59106751#Comment_59106751
