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AIP - am i having smoke blown up my bum?
we're applying through lloyds at the minute and the guy in our local branch (lancaster) has been getting an earful of my worries over the last 2 times we've met her. we were agreed in principle first time of asking and he said we've scored for it 'excellently' and there'll be no reason to take into consideration any of my…
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Northern rock together query??
Hi, first post and hope its in the right bit, I've a query I hope someone may be able to answer about the infamous Northern Rock! My mortgage was redeemed two years ago and I thought nothing more of it until.... The cca refund saga came through my letter box. What a nice surprise I thought, and calculated I'd be receiving…
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Mortgages and implications
Right, this is a long and complicated story and I apologise in advance! I don't have the best credit score, about 3 years ago I had a breakdown and as such have two defaults on my file, both settled in full. I had a few other accounts that were getting out of hand, but all settled now and everything has been fine since…
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Redemption of interest only mortgage
We have finally completed on the sale of our house, months later than hoped, anyway due to delays on the buyers side for the date of completion, we completed 4 days after making a mortgage payment. What am wondering and what halifax don't seem to be able to tell me with any conviction is whether we will be refunded any of…
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Frustrated
I recently spoke to a IFA which was recommended by a company building a housing development, he has spoke to the business development manager of both Halifax and Natwest on my behalf and both have said they can't help, the situation is 8 years ago i lost my job and defaulted on payments, these defaults are not on my credit…
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Mortgage cashback - the conveyance solicitors are asking for it?
We have bought a mortgage that offers cashback incentive. We paid the solicitor's fee on time. Now the solicitors are writing to us, demanding that cashback, in order to complete the work... Has anyone come across this before? Why are they asking for the cashback? It's pennies, compared to what we've already paid but it's…
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New mortgage application
I have had an offer accepted with my partner. We have been advised to take a 3.09% mortgage with Nationwide by our advisor but my bank, First Direct, have a better deal (2.89%) and having done a bit of research Yorkshire Building Society have a 2.84% mortgage with lower fees and cash back. All are fixed rate 5 year deals…
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Will anyone give a mortgage to...
A relative is hoping to buy a property. He is a self-employed journalist with an up and down recent career history. He was contracted for about a year to an online magazine with a regular income and then there was a break of over a year and now he has another contract with a website. The new contract equates to part-time…
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Re-Mortgage
I have a bad credit score and have a Mortgage with Halifax, i want to know if i had any chance changing Mortgage to Nationwide- i could do with some money to buy a used car as my one is knackered- this is the main reason i want to change and i hate dealing with Halifax
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endownment problem
A couple of years ago the nationwide sent me a letter saying they were unable to pay my endowment policy in full at the end of term, as the market had changed. Anyway I was into 15 years of paying the policy – hence I reckon I was owed £6,000 of a £10,000 agreement projected for 25 years. At the time they paid me about…
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Completed Yesterday
Well after 7 months we completed yesterday and picked up the keys. 2 issues with our new build. Our built in wardrobe has not been put in, all there is is a big recess in the bedroom. Our washing machine doesn't fit in the gap, as the kickboard under the cupboards over runs and is slightly longer. 2 things I am sure that…
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Help! Buying our 1st home....Sooon!!
Hi Guys, So my partner and myself are buying our first home and have absolutely no idea which mortgage we should choose. I've done a lot of reading and asked many questions. I'm wondering if anybody here has any advice as to which is the best mortgage currently out there for a first time buyer who can make regular payments…
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Overpay or not?
Morning, We are in 2 minds as how to proceed. We have a mortgage of £115k, value of house approx. £145k. We have a debt which is on a charging order for £18k, we have a payment plan on this and no interest to pay. We would like to move in about 2 years. I have looked into OP's and we can do it without penalty, the only…
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Yorkshire Builsing Society Mortgage
Hi I am looking to buy a property at auction - I have a AIP from Yorkshire BS for a mortgage on my current property which is mortgage free - the money I raise will pay for the new property outright. My concern is the turnaround time for YBS to get the mortgage sorted within the 28 days of the auction ending (assuming I get…
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claiming for a mis sold endowment
can anyone tell me if there is a way to find out who you had an endowment with back in the 80's . I must have had a good clear out and can't find any paper work from when we had our first 2 properties. Obviously our memories don't go that far back as we just can't think for the life of us who who did our mortgage or who we…
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Home Reversion/Equity Release
We have a mortgage free home, we are 60 and 61 years of age. We are both still working, maybe for about 4 more years. Our daughter has been widowed at a young age, and owns a house outright, but wishes to move near us which is a more expensive area. She will need to raise some money, which she is unlikely to be able to…
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Default letter on exceeding credit limit. Will this affect my mortgage application?
Hi all, I need some advice. I have been travelling on business and forgotten my corporate card PIN number therefore used my personal card to pay for travel and expenses. I have been reducing my credit limit on my credit card the last few months from £9k to £500. Issue is I went passed my credit limit by about £60 and had a…
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Remortgage /house value question
I'm looking to remortgage and not sure where I stand regarding LTV. Who determines the value of my property when remortgaging and how do I find out the value myself in advance?
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Right to buy at 50+
We are 50 and 52. We could buy our Council House with a £75,000 discount. It hasn't been valued yet, but approx. £190,000 to 220,000. We will be retirement age when its paid off, but cant decide if is the right thing to do? Could be a 15 or 20 year mortgage, so will be more expensive than 25 years.
