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Buying next door... Advice?
Hey everyone, hoping someone can help. The house next door to us has been repossessed and will shortly be going up for sale. We would like to purchase the property and eventually convert it into one house. Our mortgage deal with the Halifax has just ended, whoop whoop. On asking them, they cannot help us - their legal team…
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Welcome finance secured debt. Porting mortgage?
Hi all, firstly I have used this site on many occasions and think it is absolutely superb. Unfortunately on this occasion I am having to post a new thread to try and get some advise. My questions is, We have a secured loan from Welcome finance(We know!) of £15000(outstanding balance). We have a decision in principle from…
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Lifetime mortgages
Does anyone know if you need to be retired to take up one of these please? I'm thinking of equity release lifetime mortgages.
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Mortgage lenders that cover Northern Ireland ?/ when does electrol told registration
Hi Needing advise on good brokers / lenders for Northern Ireland FTB, good income , one applicant small default £27 a mobile error . Thanks Also how long after registering on electrol does it show up on report ? And does this raise score any ?
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Mortgage Acceptance Help
Hi everyone! New to posting on the forum but have been a regular visitor of the site! Myself and my fianc! have recently bought a new build property which will be ready September this year. Having been accepted for our mortgage, there was two conditions attached to it. One, pay off Halifax loan number ******** and two, pay…
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Barratt Homes - Mortgage please help!
Hi, so we went to go look at a new barratt homes development and we at a property and we loved it, so will be going ahead with it. We have some concerns however, and it would be great if someone could assist us. We are going to do a credit check with Barratt, so the mortgage will be with them? Once they do the credit check…
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Buying a house in my name, fianc! to live with me
I am currently in the process of buying a house in my name. The mortgage will be in my sole name, the house will be in my sole name. The deposit is coming solely from me. All sounds pretty simple and straight forward so far! I'm engaged and my fianc! will be moving in with me too when he moves out of live in accommodation…
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help selling
hello I have had some financial problems over the last 3 months due to illness and entered into a DMP I put my house on the market and got a good offer after 1 week fantastic then told RBS who then said o well we will call up your fixed sum loan agreement and your credit card debt so I now cannot accept the offer as this…
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Self employed - mortgage question.
Hi Both myself and my husband are newly self employed and are saving for a deposit to purchase a property in the next 3-4 years. We will probably have a deposit of £50k and would be looking at properties for about £250k. Does anyone know much gross income will we both have to earn per year to even be considered? Any advice…
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Need some advice on letting to buy
I am thinking of moving but I want to buy a house without the hassle of a chain and competition from other no chain buyers. I have been thinking of getting an interest only buy-to-let mortgage with an LTV of 75% on my house which is fully paid off (no mortgage) and use the 75% equity and my cash as a deposit with a…
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Nationwide 1st mortgage payment
Anyone know when my first mortgage payment will come out? Eg. Exchange date 21st may and completion date 14th June. Preferred direct debit date 20th every month. Thanks
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Water tower stopped new mortgage?
Hi All, Had to come on board this evening just to try and get some understanding as to why a valuer has recommended not lending on our property due to the village water tower? We are coming to the end of our current five year fixed deal with our existing mortgage company and so have started to shop about. Our broker…
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re-mortgaging/early repayment
Hi, I'm hoping someone on here will be able to advise on the below.. I currently have a 2 year fixed mortgage with Santander. My fixed period ends in November. I am looking to sell my current property next year, and buy another with my partner, and will therefore need a joint mortgage. If I was to renew my current mortgage…
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500 cashback halifax
Hi halifax have started doing a new offer which they pat stamp duty great for most however we happen to be purchasing at cost of 64000. We applied for it 3 weeks ago and should have offer next week just wondering if we will miss out on 500 cashback even though that was the deal present when we applied
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Santander Deals for Existing Customers
I was just wondering if anybody else has had any quotes for new deals with Santander? My fixed rate finishes on the 3rd of August (3.99% fixed) and so I phoned to see what they could offer me for a new deal. My LTV is around 78% and thats with a conservative house valuation and the rates they have offered me don't seem…
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Can I get a mortgage with a poor credit rating?
My partner and I are looking to buy our first house. I have a poor credit rating from when I was illl 5 years ago and had quite a few late payments. All of my credit is now paid off, and I have no debt. However I have recently been refused a bank account that I wanted to set up to pay bills from and have also been refused…
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Interest only
I hope somebody can help me and thanks in advance for taking time to read this thread. My mother and father purchased a property in the early mid 70's for around the 20 grand mark. Not long after there relationship broke down and she ended up on a manageable interest only mortgage to meet the repayments. The property is…
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Non repayment mortgage
Hi This is my first posting and have an unusual scenario. My 83 year old father has been taken ill and moved out of his house into a nearby nursing home. The funding is paid for by the local PCT bless them. He moved into the house about 4 years ago and secured a loan through a high street bank that needed no repayments…
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Mortgage Company won't allow transfer of title.
Hello I'm hoping for some advise please x I jointly own a property with an ex (moved out and not contributed to mortgage since 2010) After he moved out he ran up a debt on a credit card and never attempted to pay it back. The credit card company put a 'charge' against his name on the property. As there is little equity in…
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Transfer of equity
Hi there, I don't know if anyone can advise but I am currently in the process of buying out my ex (I am borrowing money from family) on our leasehold flat as we have been unable to sell. His name will be removed from the mortage and the deeds. I have a consent to lease approval from our current lender and have now rented…
