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Concerns of fraud regarding signing mortgage papers
My ex-partner is asking me to sign a variable rate mortgage for the next five years, as the previous fixed rate has ended. I have great concerns of fraud as my income status has totally changed and I do not live there any more, please can anyone advice me?
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What is the best way to appeal
Hi All, I hope someone can help, i need to know the best way to appeal to Santander, i have a mortgage with them in my name and my ex's name, she no longer lives there and she doesnt have an income. me and my wife (who does have an income) want to take my ex off the mortgage and put my wife on the mortgage, so in the real…
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Wrong Rate Given? Miss sold mortgage?
We recently brought a flat in London for £223,000. However the surveyor devalued it to £210,000 and put a retainer of £10,000 for some work that needed doing on the roof. The bank lent us £179,000 at 5.29% with a £900 booking fee (5 years fixed). The problem is the figure was based on a 10% deposit. We have actually put…
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Struggling to remortgage
Hi Guys I hope you can provide some advice. My excellent mortgage broker is struggling to secure me a remortgage. The property in question is a flat in a city centre near and indirectly over commercial premises. This means that some lenders (e.g. my "bank" Nationwide) won't lend on it. The ones that will are struggling…
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Halifax Consent to Lease
I am looking for some help and am hoping I am in the right place. My current situation is that I require to move from my 1 bed flat with my wife as we are expecting our first child. We bought the flat 3 years ago and have just moved on to the SVR. I have done some research and am aware of the CTL mortgages that Halifax…
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Private Mortgage
Good Morning My Dad bought me a house a year ago in cash and would like it out of his name, he wants me to get a 60k mortgage, the house was recently valued at 190k. I am struggling to get a mortgage. I’ve been reading about private mortgages but before I suggest this to my dad does anyone know if this is a good way to go.…
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Advice on my current mortgage option after a relationship split
Hi I love this site it has helped me in the past and I am hoping I can be helped with some advice as I am getting allsorts of info from family and friends that is very conflicting and causing me all sorts of worry and stress. So the short version of the story goes like this; We moved into our new house in july 2012 joint…
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Self Employed status and getting a mortgage
Hi - I am employed full time. I have opened a little on-line shop on ETSY [craft handmade website hosting lots of little crafty shops].....i am in no danger of making a profit from this [for the time being at least] and its more of a creative outlet really until i have the time to invest in it. I have not yet registered as…
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need advise regarding my santander mort app
Hey guys have had some great advise from forum members since last 2 weeks so a big thanks. there is just 1 small thing which is worrying me as per my previous query 3 weeks back i went to halifax branch and they gave me AIP and that showed up on my credit report within 1/2 hr as "mort quatation" due to a situation which i…
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Mortgage on a 'zero hour contract'
Hi, Me and my boyfriend are currently saving for a deposit on a house. I'm working full time whilst he is finishing his degree and working part time. We'll be looking to buy mid-end 2014. Just now we both work for the same company on a contract with no guaranteed hours. I work on average 36 paid hours a week, and I'd have…
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Britannia STB 90% - term question
Hi all Looking to apply for this graduate mortgage deal, which is 3.79% variable (discounted) with no fees at 90% LTV. Notably, you can make unlimited overpayments without penalty. Now initially I was planning to get the mortgage term as short as I thought was affordable (maybe 18 years), but on reflection am I not better…
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Mortgage advisor question
My partner and I went to a mortgage advisor and got the info we needed. We are planning To put an offer in this month on a house we like. The mortgage advisor told us that she doesn't charge a fee but on the information sheets she gave us comparing the mortgages it says she charges £300 if we don't take out an insurance…
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Can I get a mortgage for above the market value?
I am buying a house from a family member. The house has been valued officially at 85,000 but we were hoping to take out 100,000 so that it would cover the renovations too. I know you can't get a mortgage for more than the house selling price but I was wondering if my family were allowed to sell it to me for 100,000 but…
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paying a chunk of mortgage off and lowering payments???
Hi all. my husband has terminal cancer, and we have a £158,000 mortgage, taken out 6 months ago, before he know the cancer had returned after 10 years remission.. we dont have payment protection due to the cancer in the past. anyway. he is being medically retired and should, get his pension in a lump sum. (we are just…
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Ltv ??
Hi I hope someone can help.... Where do you stand with a mortgage company if you are buying a house cheaper than it is worth? My situation is this.... I've asked to buy a house for £142000 minus a 10% deposit.... Therefore lending 90%. However when the survey is done if the house is worth more ( I believe it's worth about…
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Thread solely for people with Bank of Ireland Mortgages
I hope this thread will be a way for us BOI tracker mortgage holders to keep in touch with updates of any new information we have as & when we receive it perhaps leading to a class action if necessary, without others interjecting with their wild speculations & misinformation starting squabbles. Please do not post here…
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Son's giving us £20k for flat deposit - can we include him on mortgage?
Me and my wife are buying a 3 bed flat for our son, for him to share with 2 other friends. To avoid HMO issues, he needs to be a landlord on the flat, so he could be classed as resident-landlord allowing him to rent 2 other rooms without the need for HMO. Since he's not earning, there's no way he can get a mortgage on his…
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Ditch the fix....For a fix! ??
Currently 5 years into a 10 year fix with nationwide 5.34% ERC of £2791 balance of ££91770 House worth approx 165000 (hopefully!) with all the new deals about would it worth swapping ? Ive tried the calculator and it says find a deal with interest rate under 4.6% I would really like to stay fixed for all the reasons we…
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Pre-Fab Mortgage Advice
Hi all, I am looking to buy an ex local authority house in Scotland. It is a pre-fab build and am wondering if anyone has any advice on mortgages. The council has roughcasted the house but it has not been repaired as such. I have spoken to Santander who have advised they may offer a mortgage subject to survey however i'm…
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Mortgages for impaired credit histories
We have a house currently tenanted that we'd like to sell. The current tenants are very keen to buy it, and we've agreed a price at a discount from Open Market Value. Purchase price is £140K, Tenants combined income is £70K and they have a 10% deposit. Unfortunately, one of the couple has just come off a Debt Management…
