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I have two names!
I got married nearly 6 yrs ago. At the time we had a joint mortgage and I didn't change my name on this. I am a Dr so kept my maiden name at work - they continue to pay me into my old bank account also in my maiden name. My passport is still in my maiden name although I will change it when it expires. We have a joint…
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Named on a mortgage - can I buy another house more easily?
My father and I got a mortgage together about 5 years ago - he lives at that house and I rent my flat - he's been making the payments on it but added my name to the mortgage so as far as the bank is concerned, we both own the house. I am looking to eventually stop renting and buy my own place, but I wondered if my status…
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Mortgage On A Fixed Term Working Contract
Good Morning, My partner and I currently rent a house and next month we shall be moving into my parents to save some money for a mortgage. My partner was looking to get the mortgage in her name only due to past poor credit history of mine. Currently my partner earns 19k a year and is a full time job in retail pharmacy.…
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Leeds building society waiting for mortgage offer
Hi there, I just wondered if anyone else is experiencing delays with their mortgage application at Leeds? We are first time buyers and not sure how long it normally takes. We applied for the mortgage four weeks ago and the valuation (which was fine) came back two and a half weeks ago. Leeds have got in touch various times…
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Which road to go down? - Preparing for end of dream start scheme
This is my current situation: House purchased in 2006 for £200k Dream start scheme put in deposit of 25% to be repaid in 10 years or when we sell - whichever comes sooner Interest only mortgage with Santander with 18 years left to run still stands at 150k and fixed rate of 4.79% ends in April. We are now able to make some…
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Mortgage application problem due to UK visa
Hi. My wife and I have recently been refused a mortgage with Nationwide as my wife is Australian and her visa is a 'spouse visa'. This means that she has he right to live and work in the UK but until September 2014 she does not have 'permanency'. Nationwide are claiming that as a result she is a risk as if we seperate…
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Halifax mortgage have declined ! Please help
Hi, My credit check from experian is fair 838 .I'm first time buyer , £145k and looking to borrow £115k, i already have the mortgage promise .after I process my application ,one week after I get the answer is declined. Now is wait for appeal. I have give halifax january 2013 4 week payslip, Can I know is it because I say…
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Britannia fixed rate deal, currently on mat leave
Can anyone advise, due to come off First Direct 4.99 rate and have seen this deal over 5 years at 2.79%, we are looking at approx 48% LTV however I am currently on maternity leave and will return to work in sept this year. Does anyone know if they will consider someone on mat leave? Hubby still earning but I am on standard…
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Principality
Hi all I received dip from principality and got accepted. Does anybody know how accurate very dip are.
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help joint mortgage no equity
Hi all I made a wrong business decision 5 years ago. I bought a property with family member as investment. We then fell out and I have had nothing to do with property for over 4 years. I believe he rents property out and property is in negative equity. I would like to get out of the mortgage but I am not sure if his salary…
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Mortgage, Partner leaving. My rights ?
We have been together for 11 years now but due to us not getting on anymore. She wants to get a council house with my daughter and my step daughter/{ Her daughter.} Aged 10 And 14. She want's me to wright a letter to the council about how we don't get on anymore and she can't live there anymore and needs a council house.…
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Broker and agents for offer extension
Hello, I won't bore you all with our misery at trying to buy and sell. Just a quick question. Our buyer has taken so long that we are now at the exchange point and his offer runs out before the agreed completion date. It is not possible to complete before this runs out. He went back to his broker to get an extension who in…
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Query re circumstances & mortgage chances
Hello, I hope someone might be able to offer some reassurance or advice. My partner and I have found a new build house we would like to buy. It is priced at £168500. We have £26,000 (roughly 15%) as a gifted deposit and appropriately worded letters to confirm this, and enough to cover fees etc. We both work full time on…
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Do we take out a buy-to-let mortgage for PILs
DH's parents need to downsize because of financial problems, it's a highly stressful situation. They are 60 & 62. Basically, they need to sell their own lovely home because they can't remortgage. They have just sold their own house and need to move out next week. They were told that they had an offer in principle for a…
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Uninsured, interest only mortgage
I really need some help. And how! 6 years ago my now ex husband and I had a joint, 25 year, interest only mortgage because we couldn't afford a repayment one and, we didn't have insurance. I don't know how we got a mortgage with out but we did. I'm really concerned about how I'll pay off the mortgage at the end of the term…
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HSBC mortgage offer validate only 4 weeks?
hi everyone, new to this site I just received my mortgage offer from hsbc, it mentioned that "unless we agreed otherwise, this offer is valid until 22nd March 2013" which is like just 4 weeks. tried to phone the mortgage center and they explained to me that the mortgage is valid for 6 months for me to complete the purchase…
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Any Mortgage Education Programs You Can Suggest?
Hi everyone, I'm pretty new here. I've been reading the articles for some time but this is the first time I need a help. I've been thinking about getting a mortgage for the first time and I've decided to get a professional online assistance to get into mortgage with every detail. It's not only about legal or banking…
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Advice on 'LIFE TIME MORTGAGE'??
I have been a member of this site for a few years and for the first time find myself in a position for some help/advice. My parents own their own home outright. They have just told me and my sister that they have taken out a ‘Life Time Mortgage’ for £100,000. They have taken £30,000 of it. Their Home was valued at…
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Releasing equity advice please
This summer we would like to make some improvements to our home instead of moving. Ideally we would like to borrow an additional 15k to run concurrent with our mortgage. Our current level is £115k outstanding with the property worth around £252k/15 years remaining and we're 1/2 way through our current fixed 2 year deal…
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Accountants and mortgages
Accountants and Mortgages by Kabby on Thu Feb 21, 2013 1:07 am Hi all I wonder If anyone can give me some advice? I have been a self Employed taxi driver for over twenty years and have always used an Accountant to file my tax return. This year however I am going to give SA a go myself and hopefully will be able to muddle…
