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Mortgage in my name, but want partner to have protection...
I got a mortgage in my name only as partner has poor credit rating, we pay everything 50/50, including deposit. Is there anyway where i could get my partner on the deeds? Also do the mortgage company need to know about this? If she were put on the deeds would her poor credit rating effect things in the future? I.e…
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Mortgage query
Hello I am just looking for some advice on the best financial option to secure a property for my mother who is currently in rented accommodation. We are looking at properties valued at approx. £100k - £120K and have a deposit of £40k. My sister and I are hoping to take a second mortgage between us as we both have one each…
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TALK OF NEW MORTGAGES ? or changes to mortgage apllication
Hi all , So I have found a broker , who is waiting to see the new changes ? what's coming for mortgage application ? We live in Northern Ireland , does anyone know what is coming ? is this a regional thing , a government thing ? Thanks in advance
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Gifted deposit and halifax mortgage
Sorry to keep asking so many questions! About 8 months ago we wanted to apply for a mortgage and my sister gifted us £15k for our deposit. At the time we went with Santander but unfortunately we were declined a mortgage due to my partner not meeting the minimum employment requirements (she'd been in her job for one month…
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Buying more share in this house?
Afternoon everyone, I just wondered if anyone has been in the same position as me or if you have any advice. We got onto the property market almost 2 years ago on a part mortgage part rent new build scheme. We have the mortgage for 30% and pay the rent for the rest. It was a great way to get our own place and didn't need a…
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Negative equity, other party wants of the mortage
Hi, after some advice so here goes.... My boyfriend brought a house with his friend 6 years ago, 100% mortgage currently owe £105 thousand, house currently worth £75-£80grand, anyway after a year of owning the house his friend decided he no longer could afford mortgae, and just moved out not caring who was paying mortgage,…
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Complicated Mortgage
I have a very complicated background for a mortgage, and have absolutely no idea where to start. I am a seafarer working for an overseas company, and make a self assessment on an annual basis to claim the 'Seafarer Foreign Earnings' deduction, which leaves me completely tax free. I am a UK resident, and a tax payer…
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new mortgage help!!!
Hi everyone, Me and my partner are looking into getting a mortgage. Who is the best to go to? We also have a business and we think that it may help towards how much we get. Has anyone done this before as i don't know how to go about it. Should my partner pay himself more to get a higher loan? please help thanks :) Jane
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nationwide mortgage & credit card
Hi all, I have a save to Buy account with 10K in it. I also have 3K balance on a credit card. Would I be more likely to get an agreement in priciple by: A) Paying off my credit card B) Putting the 3K into the deposit, making it 13K, but not reducing the card? Normally I could have thought A, but the Nationwide calculator…
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Mortgage Quotation search following offer?
Greetings, Just noticed there has been a couple of "Mortgage Quotation" searches by Bank of Scotland on my credit report even though we got the formal mortgage offer in the post last week. Is this normal?!
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want to apply for a mortgage
removed post!
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Joint Names on the Deeds/Single Mortgage
Hi We are about 2 weeks from completion and just realised something major. I have the mortgage in my name (for 20%) and the rest is being paid in cash by me (30%) and my partner (50%). Apparently as it is my mortgage he cannot go on the deeds. I have rung the mortgage company to say we will both go on the mortgage as it's…
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Compensation claim letter template
Dear all, Apologies in the first instance for the thread if it has been asked before and also for the lengthy threat - lots of info to put down. In 2007 I re-mortgaged the house with a broker as my fixed term was up. The broker in question was the now struck off AWD Home Finance, then they changed to Carrington Carr.…
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How to determine the value element of your LTV?
Hi, Early, next year I will be reaching the end of my 5-year fix deal at which point I will be looking to get another fix. Last time when I moved lender to RBS - I was just asked to provide a value which the bank accepted. I am currently doing a renovation of the property - but would be happy to delay some of these plans…
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Shared Ownership Remortgage
I bought a house with my wife just over two years ago and got our mortgage for a shared ownership property then valued at 185k from HSBC and we currently own 60%. We can buy out more but can only do so in 3 increments what i want to know is how simple would it be to remortgage now and try to get the whole amount so we can…
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£50k shortfall and 6 years mortgage left???
Hi All, Could anyone advise me on how to make up £50k shortfall on interest only endowment mortgage - we have 6 years left on mortgage?? What options are there please??
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Remortgage Advice for not very bright me
Hello everyone. I hope someone can help in a language I understand. 7 years ago (was richer then) I put down £100k on a property worth £322k. For the first 3 years I paid interest only (850 e month) and the past 4 have been paying £1360 (interest and capital). I now owe £199000. I am now a lot less rich, with accumulated…
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wanted: decent mortgage broker
hi, I am looking for a recommendation of a good mortgage broker. I am pretty competent in finding my own deals normally but a change in my personal circumstances means it is now much more complex and I need some help pls let me know who you could recommend. I am based in london and happy to travel within london to see a…
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Where to go from here? :(
Long story so I'll break it down - hopefully someone will be able to give some advice, many thanks in advance. Currently own property with probably about £10-£15k equity in it. Have seen a bigger property we would like to buy but my husband is self-employed (9 years) and I have only just started back to work after a 2 year…
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Will our lender have to value?
Hi there, We are about to put in our mortgage application via a broker and I was wondering what happens about a mortgage valuation. I live in Scotland and last time I bought we had to get a survey done ourselves, however now we have a home report survey (which we are happy with) and through that a valuation. Will our…
