-
Freedom of Information
Hello All, I am hoping to get some advice. I have a mortage with Halifax which I took out in 2010 and got some very bad advice which is only coming to light now. In order to do something about this I need to see my emails that I sent into the bank. I have moved country and job and my emails would have been on my work…
-
Principality Building Society..Still living in the 19th Century
On the advice of my IFA I re-mortgaged my flat (which I let out) with the Principality last year to finance the purchase of a new house. At the time they had my correspondance address as the house we were living in. Consequently we moved into the new house. All was fine until, in April, my tenant passed a letter onto me…
-
Will my lender let me let out my house on the same mortgage deal I have now?
Hi - I have to move for work and will rent for a while but dont want to sell my place just yet. I have a low interest deal from my lender (.75% plus BofE) and dont want to lose that product. Any advice on how to handle this with my lender. My broker tells me that they will probably want to take me off that deal and convert…
-
current home owner with no mortgage (through inheritance) but also in debt
Thanked 3 Times in 2 Posts Default credit score improvement... Hi guys... My credit score is shocking, last time I checked it was 380 something (apProx 3-4 months ago).... This is due to having £16k in debt and being with a debt charity since 2010.... My plan is to sell the flat we currently live in (which has no mortgage…
-
Mortgage adviser with knowledge of Help to Buy
Hi Would anybody have any advice for locating a mortgage adviser with knowledge of the Help to Buy scheme. I have spoken to a couple of advisers who were very un-knowledgeable about it, which is fine, but not very helpful for me. Any advise on how best to locate one appreciated (it may just mean contacting lots...)
-
Mortgage refusals on spurious grounds?
Been refused a mortgage (by arange of lenders) on what I consider really spurious grounds. Already paid £165,000 towards a self-buildwhich should be worth £300,000 when completedin a - has kitchen and bathrooms in already and is completelywind and water tight. Want £60 to complete it. The reasons for refusal have not been…
-
Two Year fix 2.64% vs Four Year fix 2.99%
Hi Guys, Current deal at 2.69% Monthly payment £451 set to expire at end of this month. Halifax have offered me two fixed rate deals, both with no fees and same early repayment structure. 1. 2 year fix at 2.64% £441 pm 2. 4 year fix at 2.99% £456 pm If I leave it as it is it will go to their variable rate 3.99% £502 pm. I…
-
HSBC - Do theyoffer payment holidays?
Hi I desperately need to raise £700 to pay for unexpected repairs. I am currently trying to take a payment break from an unsecured loan but if this is not possible I was thinking of asking HSBC to give me a 1 or 2 months mortgage break. DO you think they would consider this? Totally up to date with payments since the start…
-
Mortgage funds from halifax - 16.51(no funds yet)
Hey guys Can someone confirm , if my solicitor has requested funds from bank tomorrow , what time does generally bank transfer money to my SOL thx
-
Mortgage rate confusion? [Rate] VS[APR Rate?] VS [Overall comparison per cost rate ?]
What is the rate of a mortgage, compared to the APR Overall comparison per cost rate? What does the fixed rate for 2 years mean ? What does the the APR Overall comparison per cost rate mean? and what does the Subsequent Rate mean? (all compared to each other, from mortgage package?) Lets take this Natwest example, on this…
-
FTB buyer: Paying solicitor on morning of completion
Hello, Im completing this Friday which is also my payday. Rather than liquidating some of my investments with high buy in charges Im considering using my salary to cover the last part of the completion money. Is that too risky? Do solicitors allow you to pay in on completion day?
-
mortgage valuation process
hi, when you apply for a mortgage and you estimate the value of the property, is it always the case that the mortgage company sends out a valuer to confirm the value? i ask because when i bought my flat quite a long time ago now, the valuer didn't enter the property. also they didn't inform me that the lease was shorter…
-
Using parental gift for re-mortgaging
Hi We are looking to move house and re-mortgage. My parents have agreed to give a 'gift' to help us move up the property ladder. Are there any issues with using this along with equity from current property for deposit? Cheers
-
FTB Q: First mortgage payment
Good evening, I'm completing on Friday 20 September. Have a Halifax mortgage @ 1100 pm. No idea when first payment will be due and how much will be due :eek: Any ideas?
-
Who to go for a quick approval/good service?
My currently mortgage is with the Nationwide taking out back in 2007. They were excellent back then who approved the application within 2weeks. Reading the thread here about Nationwide approval times I'm a bit concerned going back to them as I need to have a mortgage in place within 4-6 weeks time. Just wondering who else…
-
becoming a first time buyer again ?
If I sell my house and go into rental a property would I then become a first time buyer if I wanted to buy another house after a year or two ?
-
I'm so confused... Should I get MPPI?
Hi there, I'm sorting out a mortgage for the first time and so I went to see my IFA yesterday. She gave me lots of information about different life policies and mortgage protection schemes. At the time, I decided that what was right for me was a Life Policy (lump sum pays off mortgage in event of death) and an Income…
-
New mortgage lending regulations?
Hi folks Just heard about these new affordability regulations coming in next April 26th. Are there any details yet? We are planning to move house around then and would like to know the playing field before applying in terms of desired debt to income ratios etc! Any advice gratefully received.
-
95% mortgages
We are looking at possibly purchasing a property using a 5% deposit. We are seeking advice from a broker but it appears we are going to struggle to find a lender without strict criteria and rates under 6%. We know that by saving 10% we would open up a whole world of opportunities however we have seen a house we love at a…
-
New bank a/c mid application
As part of our finance rework we'd like to open a new bank account. We are also about to make applications to remortgage. Is it worth waiting until the new mortgage gets agreed or will it not make any difference? Thanks as usual F x
