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buyer survey
we are selling our house. we have buyer and an offer. but we have been waiting for two weeks for the survey. is this normal,or does it mean the buyer cannot get the mortgage, the estate agents say its ok to look and to put in offers?
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Applying for mortgage following recent increase in pay
Hi all, I've just increased my hours from part-time to full-time, so my gross pay has doubled. My first payment and payslip since moving to full-time will be received at the end of this month, following which I intend to apply for a mortgage. Does anybody know if I will get a mortgage based upon my current pay (i.e.…
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Finding a mortgage despite past issues with debt - help!
Hello all, As the title says, I'm looking for any advice you can give on banks/building societies/other institutions that would be willing to provide a mortgage despite issues with debt (involving debt collection agencies) that were only cleared up last month. Having had positive discussions with mortgage providers in the…
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Paying the mortgage after seperation
Hi, I joint own a house with my ex. i have offered to indemnify him if i can live there (without him), but he has refused. He has made it unbearable for me to live there so i rent somewhere else. What are my rights with regards to paying the mortgage currently i'm paying half and its a struggle as i have to pay rent too.…
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Britannia BS - Consent to Let
I'm on a 5 year fix @ 2.79% mortgage with Britannia and my wife has just been offered a new job in another town so I was thinking of letting our flat in London - approx. value £300,000 with £60,000 left on mortgage - does anyone know if Britannia are currently giving Consent to Let and if yes what the charge / % increase…
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Do ING ever give consent to let?
Due to a change in circumstances and a family health issue, we are considering options for the immediate - short term future. We may need to move in with family miles away from our home to help care for someone but we don't want to sell our house as we don't yet know what the future holds or how long we may need to be away…
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Nationwide save to buy - joint with non FTB?
Hello all, I am hoping that you could help me with a question I have on the Nationwide Save to Buy savings account and mortgage. I am a FTB. My partner is not. He is not a homeowner, but sold his house (and repaid the related mortgage) about one year ago. For this reason, he is does not have FTB status in the eyes of…
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Overpayment calculator Part I/O part repayment
Is the a mortgage calc for overpayments on a Part I/O part repayment Im thing of cashing in my endowment which has 10 years left and i worked out if i over pay ,i can clear everything in 6years 9 months But im getting confused how much i would clear if i went the full 10 years but keeping the endowment but over paying each…
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Formal mortgage offer questions
Hi, My partner and I are first time buyers and we have applied for a mortgage with the Monmouthshire Building Society. They have done all our credit and reference checks and the survey is being done today. We are a bit nervous (probably no real reason to be but as we have heard a few horror stories...), and have a couple…
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Will they ever learn?
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Mortgage advice-1st time buyer
Hi I'm looking for advice on my chances of success in obtaining a mortgage next year. I have been discharged from trust deed for nearly 3 years and it should come off my credit file on nov this year, the defaulted accounts that were part of the deed should come off approx 6 mths later. I now currently have a capital one…
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Chance of success? mortgage application with virginmoney with 1 overdraft arrears
I was about to go and ask virginmoney for a mortgage but having done an online credit report/history check I have 1 settled arrears from 2008 (background: I emptied a current account that had a monthly fee, forgot the fee which then spiralled overdraft charges until I persuaded Alliance and leicester to let me off the 575…
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Odd system at tesco to establish borrowing limit
Hi all, I recently phoned Tesco bank (for a mortgage) and asked to borrow what I thought was my maximum lending limit. I went through all my outgoings (I have very little as I have been saving for a deposit for a long time) - got to the end of the process and my request was refused. I dropped my request by 20K and it was…
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Help To Buy Scheme - Equity Loan Route Help
Hi All, I am trying to get some help in clarifying applicant eligibility for the government funded Help to Buy scheme. I have not been able to obtain the relevant legislation however after looking at the Budget 2013 page 38-39, I was unable to find any residence specification on eligibility for the scheme. I am…
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Zurich Assurance & Paymentshield
Hi, I bought a house last year (July 2012) from Edwardmellor on mortgage. I dont know much about the insurance requirements. I have two different insurances on my account one is Paymentshield Home & Contents Insurance and other is from Zurich. I dont have any documents for the Zurich insurance all I have is the direct…
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Precise Mortgages?
Anyone used this company? Through a financial advisor we put in a mortgage offer 2 months ago. it was accepted subject to valuation then they came back with a whole list of things they wanted. We provided these documents last Monday and have been told today they require further information. our entry date for our house is…
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Looking to move but have had mortgage arrears in the past
Looking for some information. My wife and I are looking to move house but I have had a bad credit history until last year when I have my wife full control. I missed 5 mortgage payments but brought them up to date on the 6 month. This was in April of last year and we are looking to move into a bigger house. We have paid off…
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No buildings insurance
Posing on my gf profile, bear with me! I'm having a nightmare with my ex. She is living in our jointly owned property and I want to get off the mortgage but she can't get a mortgage on her own. She has a new man living there and is pregnant to him. My kids live there 4 nights a week. I've just found out she cancelled the…
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Mortgage to buy home for parent?
Hello, I'm new here so be gentle with me. I live in the north east of England, currently at home with mother, and we are both contributing towards the rent. She works, although doesn't earn enough for a mortgage, and I'm currently on a temp contract so can't get one either. However I have been offered a job in Glasgow, and…
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Overpaying mortgage without penalty
Are there mortgages that allow overpayments without penalty charges? Still a few years away from buying, but I'd like to get a 25 year mortgage and over pay it quite a lot in the good times, but keep the flexibility of clearing it over 25 years of low payments if I ever hit a rough patch. As opposed to looking for a 10…
