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Mortgages & endowments

Archives for May 2013

Getting a mortgage
I declared myself bankrupt in feb 2007 (lots of debt with ex) a year later i was discharged since then i have been renting a house and have since got remarried.recently we went to the bank to see if we could get a mortgage and were given an agreement in principle and told we were ok to go for a mortgage and to go out and…
Mortgage after Bankruptcy
I declared myself bankrupt in feb 2007 (lots of debt with ex) a year later i was discharged since then i have been renting a house and have since got remarried.recently we went to the bank to see if we could get a mortgage and were given an agreement in principle and told we were ok to go for a mortgage and to go out and…
Deposits re sold below value
Hello everyone - long time lurker, first time asking... I currently have a mortgage for my flat which is a shared equity property 80/20 however I have the opportunity to purchase a house owned by the family and I am not quite sure how getting a mortgage for it would work. I would have to sell my flat first which may prove…
Re-fixing mortgage
We owe £85k and property value is £115k, we also have a loan to the building company of 10% of property value so I believe we have to stay with the mortgage company we are with as others cannot offer products on this arrangement. Our fixed rate ends next month, it was 4.89% for two years, although we've only had the…
First Time buyer mortgage for self employed
Hello, I'm trying to get first time buyer mortgage. The problem is that I'm self employed for 2 years and I have accounts SA302 only for 1 year as the second year only finished now. Can somebody advise me where I can get a mortgage with 1 year accounts? Thank you. Peter
Quick RBS Mortgage question
Hi - quick question as I cant get through to RBS to ask at the moment. I've been making overpayments to my RBS mortgage which is on SVR. It would be helpful to get some of that back - is there any way, or are overpayments a one way street?
Mortgage Refusal from Leeds BS
I have been to the Leeds for a mortgage as a first time buyer, I have an income of £20,000 with very little outgoings. I am buying from my mother and she is gifting me half of the house, Value of house is £130,000 and i'm asking for mortgage of £80,000 to pay my mother and to carry out modernisation work. This still leave…
Miss sold mortgage
When I took out my mortgage with Santander about 7 years ago, (it was abbey at the time) I had a interest only mortgage which I agreed to and understood. The problem was, at the time of getting the mortgage, my earnings were not great but i had the potential to earn more in the coming months/years. So because I told him…
Mortgage charges on Death
Good Afternoon! I am hoping you could advise me. My Mum died recently and left me the house. I could not geta mortgage with Santander but have gone with Halifax now and it’s allgoing through. I spoke to Santander shortly after my Mum passed and I am surethey told me I wouldn’t be charged anything as the account would be…
Help to buy- cost to developer??!
Hi guys, Can someone advise? We are looking to offer on a new build through a well known developer. When we mentioned the help to buy scheme we were told that the offer would have to come up as it costs the developer 6% of the sale price? Since then I have asked the developer to clarify if this is a charge or if this is…
Conveyancing is this an expensive quote?
So I got a quote from John Wilson & Co who specialises in new new build convencying and they came back with the following quote which seems so bloody expensive!!! Can anyone recommend me anyone cheaper? the house is a brand new one and It will be bought at 150k.
Consent to let HSBC Catch22 Advice needed!
I'm looking to buy a new property and hopefully rent out my flat in london. I've spoken to my current lender HSBC and they say they do offer a 12 month consent to let if you have a reason other than investment. I said I didn't want to sell yet as I would like to redecorate to get the best price possible (a half truth!) and…
Satisfactory conduct of bank accounts?
Hi guys So this might seem like an obvious question but as a FTB I don't have much experience in things like this... Basically myself and my partner have applied for a mortgage (57%LTV) and have passed the credit checks and affordability, now the underwriter wants three months bank statements to check. What will they be…
Full and final settlement on CCJ
Here's a novelty - asking instead of answering. One for Mr Ham I think. CCJ issued - client has subsequently negotiated partial payment settlement (full and final settlement) and completed this. Can he provide documentation to court of the agreed settlement and have this shown as satisfied in same way as normal full…
Re-doing a DiP - impact on credit?
Hi, some advice please. My husband & I are FTBs & have a DiP from Nationwide for a Save to Buy mortgage with 5% deposit. We had an offer accepted on a house 3 weeks ago, but we are waiting for the vendor to find a property to purchase. I think they've exhausted the current market so chances are we could be waiting…
NRAM payment holiday problems
Hi all Bit of advice please - have seen a few threads about NRAM and their administration of these payment holidays but still have few queries. I have been with nram for about seven years and have had about three payment holidays. Requested one now for works to my house and they put me through to an assessment team. They…
Best 5yr fixed rate 85% ltv mortgage?
So far I've only looked at 2yr fixed rate mortgages but are having hat with mortgage advisor at one of the EAs I realise 5yr fixed would be better given low rates . Only thing is you pay bit more interest so wondered if any good ones to reccommend? Originally I had planned going with halifax but I think repayment bit too…
MSE news story: Are Tesco's market leading mortgages best value?
"Tesco Bank has launched a set of mortgages, some with the joint lowest rates, but they...." Read the full story: Are Tesco's market leading mortgages best value? Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
Mortgages with Santander - any good?
Good morning, We got an AIP over the phone last night with Santander. Apparently as they are so busy, our 'application' phone call is booked for a week's time and in between time we need to upload the relevant documents to their system. We were then told it may be approved in anywhere between a day and 4 weeks. I've…
Mortgage Deposits
I've recently sold my family home that was in my husbands name. The money is sitting in his high interest account waiting to invest in more property. I've found a property and been asked to present 3 months bank statement to a lender. I'm holding off making the application so that I can tidy up my account and not dip into…

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Mortgages & endowments

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