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Final credit check concern...mortgage completion
Due to complete with Halifax on Friday. Iv not taken any new cards out but use my tesco cc for spending for points and payoff monthly. Just check credit report & they showing my last month balance of £650... Which was paid down to £120. So now it looks like iv got higher credit card outstanding. Would they pull offer due…
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To fix or not to fix...
Hi all, I'm coming to the end of my current 2 year fixed term mortgage which was at 4.49% and am working out my options. I've been offered another 2 years at the same rate but I've also been offered a 5 year fixed term at 4.59% with a low arrangement fee of £299. Of course I could go onto the variable rate of 3.99% which…
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Mortgage for husband only - visa-related
I am soon to be married and we will complete a purchase of a home after the wedding. We are both from abroad; he has indefinite leave to remain (ILR) but I am on a different visa with less than a year left. I will qualify for ILR myself next year. Due to my visa situation, few lenders would offer us a joint mortgage. The…
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AIP gone directly to underwriters...HELP
Hi All After our unfortunate experience trying to buy our first house last year which collapsed at exchange, we have now found another property. We have made and offer and had this accepted. The EA want to see us on Saturday to qualify our offer and told us to bring in an AIP. I applied for an AIP with the Post Office,…
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mortgage advisor question. help please :)
sorry if some of these have already been asked but im wondering if anyone cold help me? we live in a housing assosiation property, and they have just phoned me to see if we would be interested in shared ownership of our home as we dont have the right to buy/aquire. im not sure if this is something new as we looked into…
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Does anyone know l&g final bonus for 2013
I have a with profit endowment maturing in July does any one know what I can expect in final bonus?
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Challenging remortgage valuation.
* Hi there, I would like to share my story and perhaps get some valuable advise from the monesavingexpert community. I purchased my flat in Q3/2010. According to home report it was valued at 145k. I paid 140K. 80% LTV. The property was average tenement flat. The interior of the property was dated at the time of purchase…
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Mortgage Protection Plan
Hi What can I do if I have a mortgage protection plan for sicknes and unemployment but it isn't going to pay out even though I'm going to be unemployed for sickness reasons. Do many MPPI 's actually pay! Thanks
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Advice sought for low paid Company Director
Hi, Have been searching through the threads to see if any similar circumstances but not found any. Would greatly appreciate some advice. I think I am unlikely to secure a mortgage transfer but would love to hear the contrary... I am a home owner of 6 yrs (first property bought for 86K, valued now approx 110K). I have been…
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Director (Self-Employed) Mortgage Using Two Different Company Accounts
Hi all, I'm currently in the process of trying to get a new mortgage (I have been with HSBC for the last 5 years). The problem I am having is that as I am a company director (treated as self-employed by the banks) they are asking for 3 years accounts. This usually wouldn't be a problem as I was a 50% holder in a profitable…
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Mortgage Protection Plan
Hi, I am after some advice regarding a multi purpose equity plan for mortgage protection that my partner and I took out in 1996. It was taken out seperately from the mortgage, with GAN (now ReAssure). We had forgotten about the protection plan until recently and wondered if anyone knew whether we could reclaim the money…
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How to obtain Consent to Lease from Halifax
I am looking to obtain a consent to lease from my mortgage broker Halifax but they are asking me to go onto a new rate that will increase my monthly repayments by £100 and mean that I will lose money by renting out my flat - any ideas round this? Also by going on the new rate will this affect my capital gains tax…
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halifax mortgage advisor totally messes up-what now??
I got a phone call from Halifax in January to ask if I wanted to meet their mortgage advisor to review my mortgage. I agreed to this as I had decided to ask for a 2 month mortgage holiday to help fund a new bathroom which I desperately needed (my mum bought me the suit for a 50th gift so this was for labour and fittings…
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A nightmare!!
prioritize patients needs and given me a sound knowledge of many general . I am knowledgeable with all forms of ventilation and monitoring, ECG recognition and the Advanced Life Support and Advanced Paediatric Support algorithms. I have completed many ED related courses which have all been highly beneficial in order to…
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Buy to Let Mortgage with poor credit
I have a property which I jointly own with my ex, she wants me to buy her out and have the property in my own name. I have a poor credit history. Never had any defaults or ccjs but lots of late payments on credit cards(no more than a few days late so down as 1 on credit file). I worked out 4 in the last 6 years. For the…
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moving house
can someone give me some advice please? we are in a fixed deal until 31st jan 2014 but want to move house. the product is portable (subject to the usuals) however we need to borrow an additional £60k for the house we want. Lender has offered us 'additional borrowing' but the rates are higher than mortgage rates. Are we…
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A Little Remortgage Advice needed.
Hi Just looking for a little bit of advice from all you knowledgeable folk! My Santander mortgage has matured returning it to the SVR of 4.74%. I have spoken to them and best deal they can offer is 4.64% fixed 2 yrs. I believe my house to be valued at 140000 and the outstanding mortgage is 118300(about 18yrs remaining)…
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Will I get a mortgage
Hi all first post on here looking to buy from a family member at end of June will hav 10000 deposit (10 percent)looking to borrow 90000 roughly my credit file has 3 telecommunication defaults 2 of which will b 4 years old and 1 3 years old they all are satisfied about 1 year ago I now only hav a 500 credit card which I pay…
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First Direct Offset criteria change
It appears First Direct have changed their criteria around offset mortgages. You now need to earn over 50k single or 75k for a joint mortgage regardless of the LTV. I discovered this today when applying to move my mortgage to First Direct, it only changed last week. Why am I moaning about this? I've been a first direct…
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Mis-sold mortgage?
We found out last week that our NRAM mortgage, which was fixed for 15years, at near 9%, which we have stupidly stuck with for the last 8yrs, (hubby too scared to move due to front end loading), we find is now only a 50% mortgage. This means that at the end of 15yrs, we still owe 50%. We NEVER knew this. We have a…
