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Remortgaging with C&G
We shall shortly be coming to the end of our fixed rate with C&G. Does anyone please know if the rates shown on the C&G site would be the same if I phoned up or could there be a better deal to be had over the phone?
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does this mean yes?
just had email from nationwide, does this mean yes we have the mortgage? We are delighted to let you know we have issued a formal mortgage offer which will be posted out to you today.
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Strange situation with Natwest. Any input?
Hi there, I have recently applied for a mortgage with natwest via help to buy scheme via a broker and it's been declined. Upon speaking to natwest, they have told me, my application had been referred to the audit team and some information had came alight and they decided to immediately decline my application. The lady who…
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Short term mortgage
Can anyone help? I am 66 mortgage free, I have no income except my pensions which total: £1,090.00 per month. My house is on the market for;£300,000. I am in contact with a builder, solicitor, architect etc in; Corfu, Greece re: building me a nice little house that I could move into, guaranteed, within 12 months. So I have…
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Double Default
Hi folks. I have a client's credit file in front of me - Experian copy if you are watching James. There's a double default. One by the original creditor LTSB on 17/06/09 then by a debt collection agency, Lowell Portfolio 1 Ltd on the same date and for the same amount. Borrower has added a NOC, but basically this is looking…
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Mortgage protection query
Since 2002 i've been paying for mortgage protection so if my partner or I loose our jobs the mortgage would be covered. Just got off the phone to the company and i'm paying £44 month and that covers me for £400 and my partner for £295. We're currently overpaying the mortgage and paying £630 month. Should i continue paying…
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FTB 95% Nationwide Mortgage Advice & Help please
Hello I just wondered if anyone could please give me some advice and chances on getting a mortgage in our current situation. My partner and I opened a Nationwide save to buy account 7 months ago and have now got 6000 in there with an extra 1500 in a Halifax account (for extras such as fees) and we were looking to see if…
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Mortgages whilst in job probation
Anyone got any recent experience of mortgages whilst in the probation period of a new job? The landlord is putting the property on the market and I've just started a new role after a few months being out of work after voluntary redundancy. We have a decent deposit (were planning on looking to buy in the new year) and my…
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i want to buy out ex but he wont cooperate
Hi, I want to know where i stand legally. i brought a house with my ex 2 years ago. we weren't married nor have children. I put about a 35% deposit down on the house which was signed in a declaration of trust and i now want to take on the mortgage on my own. He has so far refused to let me indemnify him and ignored…
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Un-mortgagable property - solicitor should have known?
I'm not sure if this should be in this section or House Buying, so I apologise if I've got it wrong. To summarise our situation: August 2012 - We found a house with land that we wanted to buy, agreed a price with the seller and put our house on the market. Our house sold (well, received an offer) within 24 hours and off we…
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IVA and first time buyer help!
Hi. Me and my partner (not married) are wanting to buy a house, however he is in an IVA. He had to enter the IVA as he wasn't able to pay off the debts from an accident. We have a £15k deposit and are looking for a house around £110-£120k. Together we earn £42k, however separately he earns £28k and I am on £14k. My credit…
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Bank Statements
Mortgage lender have asked for bank statements to show evidence of my pay and deposit. (I now bank with santander). Trying to explain to them that I got a promotion in early april, but wont get the pay rise (albeit backdated) until my July could be tough. I work for a local authority and the HR team are slow!! I also…
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When to instruct advisor...
Good Morning, Hope somebody can give me some advice. I went to see a mortgage advisor last night and he told me that myself and my partner would be able to gain a maximum mortgage of £160k (bject to credit checks etc), which I find this hard to believe in all honesty as we only earn a maximum of £37k between us. Whats your…
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Help please re deed of covenant
I have exchanged contracts and completion date was set for this Friday. Contacted solicitors at time of exchange and was told that was it apart from confirmation of mortgage money being sent on completion date. I therefore decided it be best if my partner left the country and went to her native country in Europe with our…
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wife dies, buy to let forclosure
Help or advise please, My wife died earlier this year and she had a buy to let mortgage with Clydesdale Bank in her name only, this property has been left to me and my two daughters, we have three flats rented out and income covers mortgage easily. there was no life cover in the event of her death in place. My question is…
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Looks like I will be mortgage free for the rest of my life.
Well, I need to share... my mortgage broker told me I can't get a mortgage. I am a British expat, with little UK credit history (I'm in my early twenties). I am able to put down a hefty deposit and I earn good money. As I work for an international firm it should have made it easier but my company "doesn't count" apparently…
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Changing mortgage from joint to sole as that way we can borrow more!
Hi We took a mortgage almost 5 years ago for 5 year fixed term at a horribly high rate as we were first time buyers with a low deposit We now have a 70% LTV ratio and could get a much better deal but i have since left work to raise my kids and just my husband works Some of the good deals that we could get show that my…
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Can you put a house in a Trust if you haven't paid the M'gage off?
Hi, My parents are thinking of putting their house in a trust for their three sons but believe that they can not do this until they have paid off their mortage (less than a year to go). Please can someone tell me if this is correct? Thank you.
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Mortgages and length of employment
Does anyone know if mortgage lenders have any average rule for length of full time employment you have before they will consider your application?
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Mortgage guarantor
Just found a thread in this forum that touched on this topic but lost it and can't quite remember the wording, but basically my question is to all mortgage specialists and advisers - when someone signs the form to act as a guarantor, are they treated almost as a mortgagee? What would happen if they then wanted to get a…
