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mortgage offer on the way finally
hey guys as title suggests the difference ?
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How to find a good broker?
We've decided that we're going to wait out the next 6-12 months, pay off every single CC in that time (and wait the ridiculously long time it takes the CRAs to update their files once credit accounts have been settled in full!) and hopefully save another few k's to make sure we're under what seems to be the elusive 85% LTV…
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Mortgage Application Process - Halifax
Hi all, submitted a full mortgage application to Halifax via a broker on Monday 25th Feb, only had to supply 1 month wage slip and bank account statement. On Thursday 28th Feb we had a call to say valuation was going to be carried out yesterday. Heard nothing since. Can we assume that Halifax are happy with everything else…
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Mortgage comparisons
Hi there, My mortgage is up for renewal, since we took out the mortgage we have got into a bit of debt, which is n ow being handled by payplan. So it's going to be extremely difficult to get a mortgage from anyone but our current lender.. Good news is there rates seem very good.. I am just unsure as to which of these is…
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Buy to let and home mortgage question
Hi all, First post, just joined the site today. I own a small flat which I had originally intended living in but a long story involving working overseas and later getting married meant that when I moved back we instead bought a house together and the flat has remained rented out. Now I was pretty much making a loss on it…
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Endowments, missold
Just had a phone call (didn't get their name) phone No 01803210300. Saying I could be entitled to money back regarding Endowment policy. We cashed in our policy's approx 8 yrs ago knowing there was a short fall, but the money came in useful for paying off some debts and doing home upgrades. Would like to know if it is…
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Help! Mortgage and our buyer has pulled out, solutions suggestions?
[FONT="]The situation is that our buyer has been refused a mortgage and we are desperate not to lose the house we are buying so wanted to get advice from people on here if possible.[/FONT] [FONT="] [/FONT] [FONT="]We were pulling £47k equity out of the house for the purchase, if we could replace that 47k with…
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Extending mortgage offer with Chelsea BS
So it doesn't look like our new build will be completed before our mortgage offer expires. I am considering asking the chelsea to extend the offer. Has anyone attempted this with them, or offer any advise on how to tackle?
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Future Mortgage Chances
Hello all, I have a question regarding my chances of getting a mortgage in a couple of years time. I have already asked this on the debt free wannabe board however I thought I'd ask here as my concern is specifically regarding my chances of getting a mortgage. Background is I entered a DMP with Payplan in April 2008, I…
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Santander Mortgage Exit Fees
I've read the article regarding the MAEF listed here: http://www.moneysavingexpert.com/reclaim/mortgage-fees My current mortgage (which was fixed for 5 years) with Santander will be coming to an end soon and I have read that there is a £225 early redemption charge/mortgage account fee. The mortgage was originally with…
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Help with Mortgage - it's compllicated
Hi everyone Would be very grateful on getting some advice on getting a mortgage. Here is my spec: Emplyment status - Self Ltd company (6 months old) - 90k equiv a year. - full working history - no breaks between jobs. Credit status - 1 default - 5 years old for £500, current experian score is 990 - so excellent. I have…
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Mortgage application wife has bad credit
Hi there, I really need some advice. I have a good credit score of 999 my wife has really bad credit. So we thought we could simply complete a single application on me. The maths work out fine but the postoffice declined me. When they called to let me know they said they also check my financial associations. While she did…
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Endowment
My endowment recently matured and we filled in the forms they sent us to enable them to pay into our bank! They said they did it last week but the bank account number and sort code they used are not ours! They said they are the details we gave them which we are disputing and have asked them to forward us a copy of the form…
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Job length of service and mortgages???
Hi folks, Does anyone have any ideas how much stock mortgage providers put into how long you have been working for a particular employer when applying for a mortgage or remortgaging? I was recently made redundant as the company I worked for went bankrupt. At the same time my mortgage deal ran out and I've been put onto the…
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Small mortgage.
Would appreciate any input to this please, i am going through a divorce, self employed and ex has said i can buy him out of the family home for 20000. The house is worth about 80 ish and no mortgage. I am not living there at present as rent another house with new partner but still pay half the bills on it and buy the food…
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Property Investment Idea
Hi all, Just had an idea I wanted to run by the vets to see if this was fesible. I am relatively young and entering a career where it would not be unrealistic to try and save £6,000 a year. I had an initial idea of trying to save this and every 5 years put the £30,000 towards a new house/apartment. £30,000 would be a 20%…
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commercial mortgage help
Looking for a little bit of advice on commercial mortgages. We have only ever had residential mortgages but now want to buy a business which requires land and property. We have been told that we would need to have around 50% equity (we have around £350000), I would continue to earn around £76000, DH running business and…
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Credit reference and lending criteria
Thanks for reading. My questions come in three parts. 1. I have an old loan which I settled in mid 2011. For 18 months prior to being settled I made payments on time and these were annotated as "0". However, for months prior to this I was shown as being late paying. Will lenders look at this account as realise that…
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moving house need a mortgage but missed 2 credit card payments !!
Hi, I was wondering if anyone is clued up on lending policies and who we should apply to in this scenario......we have seen a house we want however my husband has inadvertently missed two payments on his credit card in november and dec 2012 (the balance was about £300 and we can evidence there were funds in our accounts)…
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Did Bank of Ireland do much worse than they're letting on?
Hi, I've had a mortgage with Bank of Ireland for 5 years. 2 years ago I got made redundant and I went a year without being able to make any payments. Fortunately, this built up in arrears and I got to keep my house. A year ago, BOI started a court case to retrieve those arrears but in the process, they leaked court details…
