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Lots of questions re: joint mortgage and late payments - please help
Hello :) I would be very grateful for any advice/wisdom that can be offered. My boyfriend and I are looking to buy a property (first time) around about Spring/Summer next year. We will have approx. 25K deposit between us (possibly could make it up to a bit more, not sure yet) allowing a further 5K or so for fees (please…
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Mortgaging Options Sub Letting
Ok so I'm looking to purchase a house relatively soon. My aim is to purchase a house and live relatively mortgage free by renting out the additional rooms. Here's my problem. On a standard residential mortgage I'd need probably 2x my current salary to be able the leverage the mortgage necessary to purchase the houses I'm…
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Can I claim back MPPI
I took out a mortgage with Bristol and West about 1987 and was sold payment protection that got paid monthly(£35). My question is, when I was sold this I was self employed so was ineligiblefor any payout when the company went bust, though 2 years later I could make aclaim when I was made redundant from my employer at that…
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Joint mortgage
Hi I'm after some advice I brought a house with my mum 12yrs ago I moved out in 2000 to go and live with my partner I carried on paying my half of all the bills. Unfortunately my relationship broke down in 2006 and I was forced to move back to our house with my daughter as it made sense because I could not afford to rent…
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Joint mortgage and seperation
I separated from my wife over a year ago and have been looking into getting out of our joint mortgage for a while now. I'm not looking for anything from it and am happy to just walk away and have it transferred to into her name. After a fair bit of pushing she eventually contacted our mortgage provider who after all was…
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best time time of month for mortgage payment
Possibly a daft question but whats the best time time of month for mortgage payments. Is there any advantage to having it early or late in the month? Also, is it easy to change it once payments begin if you needed to?
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NRAM Last Payment
Hi Folks, Just wondered, we are due to move out next friday to our new home and wondered what happened in terms of our final payment ? Once it's cleared (as in payed off) do we make any further payments or was or payment at the start of sept our last one? Just worried we'll pay for both the old and new mortgage next…
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Mortgage After A DMP
Hello Forum members, Please can you offer an advice?:A After successfully paying off all my creditors via a DMP managed through CCCS in half the initial projected time:D, me and my partner are keen to get on the property ladder. After following the advice of the various posts on the internet we have saved a 10% deposited +…
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Gifted deposits - really stuck!!
Hi all Wondering if anyone has any suggestions. I am currently buying a house for myself as an investment. My fianc! has just found another house and he wants to buy that one. We have put an offer in for 125000 my fianc! has 5,500 in the bank & we need 12500 so my mum was going to give him 5,000 as a gift (the other 2,000…
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Mortgage ID
Hi all, I have been looking into buying my flat as I recently heard about this increase in the council tax rent rising like mad. However due to my circumstances it is taking a long time for me to get a passport. Do you think I will be able to supply a mortgage company with a provisional drivers license and a birth…
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Santander mortgage
:money:got 18mths left on interest only mortgage with Santander. Want to take out new mortgage and increase amount but because less than 2 years left they wont entertain it never missed a payment ever want to take this to a higher lever but it is impossible to do so keep getting turned down flat have great credit rating a…
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Mortgage issues when someone has died and term ended
Hi, I was wondering if anyone can give some help, me and my family have some urgent mortgage issues to sort out and not sure who to go to for advice. My dad died in Jan and unfortunately the mortgage was not paid off. He re-mortgaged it a couple of times and there was quite a lot of outstanding debt left on it. It is now…
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HELP Sinking in debt joint mortgage
Hi Myself and my ex bought a house in 2005 on a 100% mortgage. We never married or had children. We split in 2009 and for the 1st year she payed her half but always insisted it came from her account and i give her cash. After the 1st year i met someone new and we lived together in the property. I then have solely paid both…
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Changing mortgage deal ideas?
Hi all, I got my first mortgage in 2009 aged 34.. I am currently on a Natwest 5 year fixed of which is around 6.2% repayment mortage with 26 years left to run and costs me £744.00 a month The current mortage I have has a 5,4,3,2,1% repayment fee decreasing towards the end of the 5 year term..At some point in October I am…
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Stuck on a joint mortgage :(
Hello everyone, I am new to this and have read through posts regarding people stuck in joint mortgages but none seem to relate to the position I’m in and so any advice anyone can give me would be hugely appreciated and may I just say many thanks in advance for any information you can supply. Let me begin by saying I am…
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Mortgage question - not typical one
Hi, I have got a question regarding a mortgage. My problem is rather very rare (from what I have managed to find out). 2 years ago I bought a house which is obviously mortgaged. I moved in with my parents. In meantime when all the official processes were going on I met a girl (she's my wife now ;) ). My mortgage started in…
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Help To Buy mortgage guarantee scheme
For the avoidance of confusion, this post is about the Government's forthcoming [Jan 2014] Help To Buy mortgage guarantee scheme and not about the already-existing NewBuy scheme. My understanding is that on July 23rd of this year, the Government confirmed that it had provided lenders with an additional set of information…
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how to transfer funds to our solicitor
Hi Everyone, I've just had an e-mail from our broker informing me that our mortgage has been approved:j I'm very excited, I love the house we are buying and can't wait to start ripping off the woodchip. It's been several years since we last bought and I can't quite remember what happens with transferring funds. I am with…
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Mortgage
My son and his girlfriend has been refused a mortgage but don't know why ? sons girlfriend has had a credit report done on her self and that's fine. My son moved out of our home three years ago and rented a flat with a friend, he's just informed me he never registered his new address on the electoral register :mad: I don't…
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Semi commercial mortgage - independent advise please
Hi I'm new to forum and mortgage jargon so I will need help with acronyms/abbr.. etc!! My husband and I run an ecommerce mail order company and are looking to relocate the business to a Scottish property where we can also live (we currently live in Scotland & rent both business & our home separately), We have found a small…
