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Re-Mortgage fees
Hi, I had a mortgage with C&G fixed for 5 years, interest only payment. Rates went down and I decided to move my mortgage to Santander as rates were much better. Because I left the fixed term early C&G charged me about £3700 fee. It's very excessive. Is there anything I can do to claim something back, or are the rules…
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Enough income but small deposit
Hi, I was wondering if anyone could offer some advice please? My partner and I are currently renting separately but would like to buy a property together. I have £5K cash, and he has £60K which is tied up in an unbreakable bond for the next 22 months. Our salaries are enough to enable us to borrow far more than we need (or…
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Mortgage company changed their minds. Help needed please!
Santander agreed to release the credit facility on my mortgage so I will be able to make up the shortfall on my mortgage. I received a letter on 3rd June saying they were doing this. 4th June I received another letter saying they'd changed their minds and were sorry for the inconvenience!!! Can they do this and where do I…
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HELP TO BUY declined. Please help
Hi there, my help to buy mortgage application has been declined by natwest and they won't share why. I also tried with halifax but they wanted an extra 15% deposit from me (they treated HTB as 95% mortgage) I am absolutely gutted and angry because I really wanted this house. I meet the affordability, my mortgage broker…
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Is it possible to change (reduce) LTV after valuation and choose another product?
Hi, Applying for mortgage tomorrow with 70% LTV. Have some extra cash put aside and depending on the standard valuation (new build) may be able to go down to 60% or even 50% (if the valuation is done at the purchase price). Is it possible /allowed to opt for a different product with the same lender if the valuation comes…
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Which option is better?
Hi, Mortgage is up for renewal and my current lender has offered : 2yrs at 2.79%+£624 with fee added £512.37 without £509.65 /m 2yrs at 2.99%+£125 With 522.49 without 521.93 /m No additional or hidden fees at all. Wondering whats best method to work out which is better. I think the 2.99% is better. Thanks.
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Advice required please.
Hi guys and girls. I would like some advice please. My ex husband left me with an old credit card debt that went into default. It has just dropped of my credit file with it being six years old. i did settle it but i remained on my file :( Any way, I would like to buy a house after renting for a few years, Ive had two…
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mortgage advice plese
Hi had planned to put house up for sale in sept when loans c/card/gym/mobiles all paid off been looking at houses that sell for around 190k and will have just over 20% deposit questions i wanted to ask are 1 if we put it up now and were lucky enough to get a offer could we use some of the sale money to repay the bits early…
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Mortgage planning advice please
Hi I wonder if I could ask for some advice please, maybe you have professional experience or maybe you have been through something similar. Mine and my husband's current situation is that we live in a small two bed flat, we owe a far bit of money on cards and loans but don't earn too bad money. The main reason for being in…
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morgatge for inherited property on low income.
I'd looking for some advice. My mum died in March leaving her house (estate agent value £110K) between me and my sister. I want to buy my sisters share but have a low income ( £10K). I contacted a mortgage broker who said he could not find mortgages for me. My aunt has offered to be a guarantor so I need to call him back…
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Final mortgage payment before remortgage?
Hi. I was wondering if any of you knowledgable lot could help answer a question, Santander's phone lines seem very busy at the mo. I pay my mortgage on the 1st of each month. On 1st June I paid Santander as usual. My remortgage has just completed and it was transferred on 3rd June to HSBC. My question is, was the 1st of…
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FTB - chances of a mortgage
Hi, First post so please go easy. Do you think I would be able to get a joint mortgage now or better to wait until the late payments have dropped off. Not sure if I would be wasting my time trying to applying for a mortgage now and getting rejected. My situation is:* Currently renting paying 975pcm. * Myself and my partner…
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Mortgage Advice - Super newbie
Personal details Renting couple currently paying £700 PCM in rent 29 and 32, no children however looing to have children in next 3 years £50k combined annual salary £0 debts South East (Buckinghamshire) My girlfriend and I are currently looking at our first house and are at the very beginning of the mortgage journey, and…
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Potential Stupid Question
Hi All, I'm not very clued up on mortgages at all so please excuse me if this is an absurd question - which I fear it may be. My husband & I live in a house which he has a joint mortgage on with his cousin (who currently lives in Poland). They bought the house in 2007 for £105k on a 100% mortgage with Dunfermline building…
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Mortgages - Helping Parents??
Hi there, I am a soon-to-be graduate with a guaranteed job offer paying fairly well. My parents, who have always been eternal renters are saving up to put down a deposit for a mortgage of their own, however due to the nature of their jobs and their age they are concerned that no bank will offer them a mortgage, the natural…
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New to re-mortgaging
Hi there - I'm completely new to the idea of re-mortgaging. In 2009 myself and my wife took out a mortgage on our home. Of course, being first time buyers and with only a 10% deposit, our interest (and therefore repayments) are quite high. It was on an initial 5-year fixed rate, with Santander. This being the case, we…
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Halifax Mortgage Application Help
Hi my partner and I have applied for mortgage with Halifax my end of the application is fine but he is self employed .He was in business with his father for over 30 years now he owns it solely for the past 3 years as his father died.Halifax have asked for 4 years of accounts instead of 3 for some reasons .The ltv is just…
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Existing Buy to Let + Second Mortgage Application
Afternoon all... please bear with me, as I imagine this will be another quite long post! I posted back in Dec '2012 about buying a house with my other half. I currently have a mortgage with The Chelsea which I bought with my father over 7 years ago. I lived in it, until I changed jobs 4 years ago and moved back home due to…
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Mortgage/underwriter
Hi just looking for some reassurance really the person who is/was buying my house did was ready to move into our house then at the last moment with checks turns out the road was unadopted when the search came back as adopted "council estate maintained by them" so the buyer was ready to exchange. atm its gone back to the…
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Can i call Countrywide directly?
Just called Nationwide for an update, they requested the valuation but havent heard back and wont do until after the valuation has taken place. I would like to know (for my piece of mind) when the valuation is happening. Am i ok to contact Countrywide myself for updates?
