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Giving my landlord notice
I am currently going through a mortgage application, which my advisor believes I should have no problems passing. In terms of giving my landlord notice, when should I look to give notice? I was looking at giving a week overlap to move etc. what happens if the application falls through?
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How much are we looking at to borrow???
Hello people!!! We are coming to the end of our fixed term mortgage for what we call our "rental" house. DH is in the forces hence we live in service accomodation - hence the term rental house. The rental house is worth 110,000-120,000 and producing 525 per month in rent we have got 28,000 left on the morgage, (we have…
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100% Guarantor Mortgage (Family Pledge Loans)
Hiya! My Daughter is 26yrs old, and is a graduate of Edinburgh University. She is now in full time employment (earning 18k at the moment) and at present is in rented accommodation. She feels she would rather be paying a mortgage than spending the same amount on rent every month....sensible girl....only problem is she has…
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To mortgage advisor or to not mortgage advisor, that is the question...?
After discussion with the wife, she's basically asked why we need/would benefit from a mortgage advisor & is it worth the outlay. I don't know enough about them to answer the question so i'm asking here. * We're FTBs (or will be). Neither of us have had a mortgage before. * We'll have approx. a combined 48k-50k deposit.…
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Consent to let then try for another residential mortgage
do you know if this is possible or legal ? I would like to buy another house but not really sell the one I have at the moment. I am with the woolwich , so could I get consent to let then, apply for a residential mortgage. i have only had the mortgage for 14 months. then after the period of CTL is up maybe switch it to a…
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Survey on a new(ish) build?
Hi all, Valuation went unchallenged the other day, so just waiting for underwriter to sign us off on mortgage approval... touch wood! The flat is leasehold and only built in 2000 (quite modern design), and husband doesn't think we need to bother with survey as a result. I think we should to cover our backs, though money is…
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Equity to place a deposit for a mortgage
My wife has equity in another property but we have no solid savings. We want to move home as we would like to extend our family. One option available to us is using this other property as equity for a deposit. How does it work? I have a meeting with bank on Saturday to find out about it a bit more. They mentioned something…
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Advise please
Hi, can anyone give me some advise from a data protection angle. My brother has recently split up with his partner, who is trying to force him to sell their house. He recently applied to the halifax for a mortgage in his own name, but they rejected him and sent a letter to his ex partner saying they rejected his…
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Help to buy + help from builder??
Hello, I was hoping for a bit of information really! I was under the impression with the new Help to Buy scheme on new builds that the builder was unable to help you financially or with stamp duty or legal fees? But they could help you with extras for the home (carpets, upgrades etc). I have had an email from Barratt today…
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Credit Search - Mortgage Quotation
Hi All I have posted on here over last few weeks regarding a Mortgage Application me and my partner have made. Me having 2 satidfied defaults settled in 2009 and 2010. The thing is...we went to the bank. Gave her all our details, salaries, debt owing (none) deposit etc and she asked us if she could credit check us. She…
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Will we be able to remortgage?
We are currently on a 2 year fixed rate. Originally, when we applied, we got a £170k mortgage, on a salary of £30k each. By the time we have to remortgage next January, we will have about £132k left on the remortgage as we have made overpayments. I want to remortgage onto a fixed rate at that point to get a better deal,…
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Help- advice please
Ok - so 2 years ago ihadmy light bulb moment as its called over in the debt free wannabe board. Im now totally debt free for the first time in about 6 years, with my highest amount owed nearly 50k of unsecured debt. At present, i have 5 defults showing.the newest being in feb2011. My partner and I have been together for 5…
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lend a hand
mostly just here to vent I went to see Lloyds about their local lend a hand mortgage and they gave me a mortgage promise / agreement in principle for way more than we needed. perfect found a flat we really liked and put an offer in and had it accepted. should have realised at this point it was all too good to be true. went…
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A couple of scenarios
So, I'm still waiting to find out if it's going to be possible for me to get a mortgage at all this time around. My broker is having trouble getting the smaller building societies to lend the amount I need, so I may just have to give up on that idea and lose this flat for now. So ... I'm trying to put a fall-back position…
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Advice needed for my daughter please
Hi hope you can help, my daughter applied for a mortgage with Yorkshire bank, she has applied for a mortgage of 118,800 on a property purchase price of132,00 she has an excellent credit score on experian, however, due to a missed name on the electoral register (she lives with me) (she took a form to our local council a few…
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Halifax mortgage grade went down
Hello everyone, This is my first time to post on this forum needing some advices on my mortgage application to Halifax. I got my AIP from Halifax in mid March with grade B which means I could get 85% LTV but in that moment I was looking for 90% LTV so I also seek help from London & country mortgages as my mortgage broker.…
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Complicated mortgage plan. Advice please!
Long story. Mum & step-dad divorced. They have a joint mortgage on their house. At the moment he is living in the house as the house is on the market. I want the house, but can't afford the full mortgage as of yet, but my mum has said if I buy my step-dad out of the mortgage, I can move in, until I can afford to buy her…
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Credit card default
Me an my partner are looking to get our first mortgage. However 5 years ago when I was on my year abroad in uni I had a credit card default and the card was cancelled due to my sister forgetting to pay my bill. The amount £600 was paid in full when we realised. However I have been told that there is a black mark on my…
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Buy To Let mortgage - Broker
Any recommended broker in London or Essex area who can assist with Buy to Let mortgage pls?
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Can I get a mortgage to pay of my dad equity loan?
Would a bank give me a mortgage to pay off my fathers equity loan bearing in mind I am the sole benefice and intend to keep the house?
