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Taylor Wimpey Mortgage
Hi, I am thinking of taking advantage of the new HomeBuy scheme and have been looking at some properties. I have placed my final decision on an apartment built by Taylor-Wimpey. The problem is that they will not let me use my own financial advisor/get my own mortgage/solicitor. Surely this is not legal and a home buyer…
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FTB -- Declined by Halifax-- what are my chances of with other lenders?
Hello people, Just frustrated and annoyed... at the same time. My mortgage with Halifax was declined (off the phone with the mortgage adviser) and I am being told I cannot appeal. The reason for decline was discrepancies in the paperwork I submitted. All I submitted was my 3 months payslips/bank statements (2 months…
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Compliance fee
A mortgage advisor is asking me to pay a £300 "Compliance fee" - is this right?
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Valuation to Offer
Hi All I have a valuation on a new build property this coming wednesday the 27th, ive been asked for proof of deposit and gift letter from my parents which are being sent today. How long do you think it will take for a final offer to come through? the company selling the house want to exchange within 4 weeks that was a…
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should I buy? advice needed pretty please :)
Hi all, I was hoping I could get some opinions and maybe some recommendations from some of the knowledgeable folk on here :) My current situation I am a 27 year old freelancer in animation/film/commercial industry in London (have been about 2/3 years now). I have been paying various rents from 550 up to 650 a month every…
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Is it worth opening nationwide account to mortgage Flexclusives?
Hi. Am looking for any advice please.Im just about to apply for a Nationwide Buy2Save mortgage as my house offer has been accepted. I dont normally bank Nationwide but the bank said if I open a current account with them, then apply for my mortgage I getter a better deal. What I wasnt sure of - will this affect my credit…
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Mortgage term query
We have come to the end of our fixed rate mortgage with Halifax. We are looking at remortgaging to try and get a better deal but hubby is concerned as he doesn't want to extend the term of the mortgage. We have 21 years left on a 25 year mortgage. Is it possible to get a remortgage deal yet keep our existing 21 year term?…
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not complying with court order - mortgage
My friend is nearly divorced and financial stuff done in court. Court ordered sale of fmh and my friend agreed that his ex could change mortgage to interest only. This was all written on court order. House is now on the market. My friends ex pays mortgage and has done for last 3 years as she lives in property while my…
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Advice - mistakes at every turn, so want mortgage company to put up money to reserve
Hi All, Just after a bit of help and advice. My husband and I are midway through a mortgage application directly through Natwest. We are first time buyers trying to buy an newbuild property on the Newbuy scheme. Due to our circumstances we have had to deal with the bank and application ourselves, we tried finding an…
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A plea for advice
I intend to start applying for mortgage in next 4 months and as part of the planning process requested to check my credit report via equifax to my amazement my score was 368 ( just fair) . I also had a recent late payment showing last month on my Lloyds CC, and 2 other late payments one in march 2012 and the other November…
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fixed rate mortgage
Hi, my interest only year holiday is ending this month, I have just got a letter from my mortgage company and it looks like they have put me on a fixed rate, added a £900 admin fee?? without asking me. I will ring them tomorrow but wondered if they are allowed to do that? cheers
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Halifax taking the p*55 with the mortgage change?
Hi, Maybe Im reading this wrong but halifax seem to be trying to pull a major fast one when they changed everyones mortgages over recently. I have 2 mortgages with them one should run out in 9 years the other in about 14 years however they have taken the 2 mortgages and evened them both out so Im paying 11 on both (…
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when can i get a mortgage
i work as a temp and have had a mortgage for about 7 years. i got he mortgage when i had a permanent job in my previous employment. now ive been a temp in my new job for about 7 months and im hoping to get a permanent withn another year. what i want to know is how long do i need to be in a permanent job to get a mortgage?
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Could opening a new current account affect a mortgage application in the near future?
My wife and I were thinking about opening a new current account each due to a much higher interest offered by them. We would keep the previous current accounts opened but we'd move most of the money for the new account. We were as well thinking about applying for a mortgage soon (maybe trying to get pre-approved in one or…
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Off-Set Accounts and Bill Payments
I am trying to work out something and would appreciate opinion, advice and information. Offset mortgage with Virgin One current rate is 4%. Bills are currently on direct debit (water, electric, etc). Some offer discount for paying this way others don't. Looking at these account, most if not all are in credit, some by…
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Nationwide Mortgage Early Repayment Fee - can they charge extra for paying the fee?
Hi, New here, seems like The Place To Come for answers! I have recently overpaid quite a large amount on my Nationwide mortgage :j. I'm in the fixed interest period so I have to pay an early repayment fee, which is what I expected. I got a letter confirming the fee. It says the fee has been added to my mortgage account,…
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Mortgage deal running out, advice please...
My mortgage with C&G runs out in about 6 months, and I am due to go onto their 'Homeowner rate' of 3.99%, above my current fixed rate of 3.39%. I am looking to move house in about 18 months so was looking for advice as to what to do in the 12 month interim, with a view to getting on the lowest rate possible. Any tips…
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How does this look...
Hi all, First time poster - please go easy on me!! Just looking for some reaction to a mortgage we are likely to sign to, having a bit of a wobble today so thought I would seek wider opinion. We are lucky, we have 200k equity in our house, and some savings.. We live in the south east, family of 5. No child are costs, I…
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Buy to Let or not Buy to Let..?
Hi We are currently in the position of having a house for sale but lack of viewings means selling is unlikely in the near future. We don't live in the house and are considering renting it so that we can continue to make the mortgage payments on it. The mortgage on the property is currently interest only. Do we have to…
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does an agreement in principle link your credit
i joint own a property with my ex and am stuck. me and my new partner want to get a house together but my ex is refusing to let us buy him out and for him to buy me out. he wont agree to drop price of house either . my friend was in a similar position and she just left her house and stopped paying which forced the house…
