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Mortgage and pregnant
Help!!! I have just found out I am pregnant, which I am in shock over as I have problems with fertility :-o Anyway, we are in the midst of putting our house on the market and buying another but am now wondering how pregnancy will affect ability to get mortgage. We have had approval from a couple of mortgage companies,…
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Self Build Mortgage
We have spent a considerable amount of money on our building site on planning permission, putting in foundations and site levelling etc. We have worked hard to do this out of our own pocket over a period of time to try and reduce the amount of mortgage we need but now we've hit a problem................ our site is on land…
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consent to let then maybe buying other house
Hello, just seeking some advice here. I will try to explain all I recently obtained Consent to let with my mortgage provider, and have a tenant in the house now. When I was granted consent to let the mortgage provider said I will be free to apply for another residential mortgage if I wanted. I never thought about it at…
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Is This Correct?
Looking for some advice on whether I have a valid claim against the Royal Bank of Scotland Short story is, family members selling house they have Scottish Home Report and independent valuation. I offer to buy at valuation price, accepted. Had previously put in offers against other property's and had had talks with bank, so…
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Mortgage Credit Checks
Hi, thanks for reading. We had our mortgage offer through last week from Nationwide and want to know if we'll have any more credit checks from them prior to release of the funds (when we get to completion). I ask as we intend to take out a 0% credit card to buy some new bits we want in the new house - we have the funds to…
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Buy to Let - Non Resident
I am currently working abroad and am a 'non resident'. I have an existing, residential mortgage in the UK. I sought permission two almost 3 years ago to let the property out and they said that I could do so for a maximum of two years. I spoke to the mortgage provider yesterday and they didn't seem too on top of things. The…
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Am I just being paranoid or will we get rejected?
We're first time buyers with a joint salary of £33,300. Our AIP was accepted with London and Country. We've had an offer accepted for a house for £120,000 We plan to pay 15% deposit. We're to choose a lender tomorrow. Her credit file is squeeky clean. Mine not so, and im freaking out!! My score on equifax is 'very good'…
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Tenancy In Common -Death of
If I purchased a property with someone, then they died and we had a Tenancy In Common does that me I become the sole owner. Thanks for all replies
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Mortgage retention help!
Hi all, Can anyone help me understand mortgage retention? I have had a mortgage offer with a £2000 retention applied. If I put down the extra £2000 myself and never have the work done specified in the retention (involves getting a damp/ wall tie inspection) and never go on to claim back the £2000 held back does that mean…
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Mortgage advice/ broker
Hi we are looking at changing our mortgage as our 5 yr term is now up. I went on money supermarket and it took me through to a financial advisor called money know how. They have been tonight and I asked if there would be any charge for their service, they said there may be a charge depending on what mortgage we had...I was…
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Staircasing and existing equity?
I am contemplating buying more shares in my shared ownership property. I've not started any serious research yet but thought I'd come here first for some general advice:) I have no real idea yet regarding current value of my property but a quick look on Zoopla seems to suggest that my place has gone up slightly in value.…
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Mortgage post IVA?
Hi, I completed my 6yr IVA in September 2012 and have been discussing the possibilities of obtaining a mortgage with an independent financial adviser. So far the only company that 'may' accept me (I have to pay nearly £300 for introduction, not guaranteed acceptance. If accepted then product fee of 1.75% Aprox. £3k, then…
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Declined for mortgage, next step?
We applied for a mortgage with Natwest around 3 weeks ago, (first time buyers, 90% mortgage) Our broker today informed us that we have been declined for the mortgage, due to my bank account being 36p overdrawn for a day due to a direct debit, even though I rectified this the next day by putting £150 in the account. (Showed…
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Banks Statements & Reserve Fee
I've been asked to show 3 months bank statement and I've just noticed I've been charged for going into my reserve in April will this affect my mortgage application?
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Interest only
I have a house which is mortgage free. I need to move areas for family reasons but with the market being so slow wondered about renting out my house ( I have a probable tenant) and buying another. I could afford a small deposit (say 10%) and wondered about an interest free mortgage - the capital to be paid when I finally…
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Underwriters
Quick question for everyone How long does the underwriters take to make a decision? Plus why 4 credit searches on our credit files myself and my wife's? 2 weeks of providing proof of address for the temporary accommodation we are in. Finally 4th of June ulster bank key in application and 2 searches done on my wife's and…
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Can we keep most of our equity and have a bigger mortage?
Ok folks, new poster here (been lurking for a while now so joined up) so be gentle :beer: Right then, accepted an offer on our house and all seems well so far. We have approx 32k equity in it so my first question goes a little something like this.... We will put in an offer on an house we been looking at for a while. The…
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Getting evictied, please help!
Hi, I am in need of some urgent advice - I am currently in mortgage arrears of 15k, the bulk of this was due to being out of work for a while and being unware of the help i could get. I am now back in work and came to a new arrangement yesterday with my Mortgage provider. However, I received a call from the person I spoke…
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Completed IVA and mortgages
I have just finished and closed off my full and final settlement IVA and want to look at getting a mortgage, anyone got any tips or ideas where to start
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Interest Only Option?
Currently got my house up for sale. Seen a place I want to buy. So, I am stuck as mine has yet to sell. I have to move in August so will be paying mortgage on my house and then rent for another property as we are moving to a different part of the country. Someone suggested this as an option, can anyone tell me if it would…
