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Just had the solicitor contact us & not sure what this means. Advice?
Not sure if this should be in the mortgages section or house buying, so sorry if the wrong spot. The solicitor who's been instructed through our IFA has contacted us today & they sent us some literature. I just want to check the meaning of one paragraph i've just read... What's this third party business all about then? If…
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Halifax help
I took out a 90% mortgage in 2009. Had a 3 month mortgage holiday in 2010. Sold house, bought a new one 1 year ago, ported the mortgage and also took out a new mortgage for the remaining sum of new house purchase. All with Halifax. (So basically ported the 6.1% on the remaining 89k, then got a mortgage for an additional…
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Need advice about a mortgage issue please
Hi All, Recently our offer was accepted on a property and the vendor agreed to pay the stamp duty. The mortgage advisor at London and Country, went ahead with the application as he was confident this incentive won't cause a problem in getting the mortgage approved. However, he informed me today Abbey won't be lending in…
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Halifax Product Fee
Hi! We started our mortage with the halifax on the 9th Aug, paid off our mortgage fee of £995 on the 20th Aug, well within the 30 day window to make sure we didnt pay interest on it! Looking at my mortgage online, its now showing that I am £995 in arrears, which is impossible seen as my first payment only came out on the…
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Will I be refused a mortgage due to betting on my statements?
Hi I have had a decision in principle accepted by Nationwide and have reserved a house. I know the bank will soon be asking for bank statements. My past 3 months show about £500 worth of betting deposits, with about £2000 coming back into my account from winnings. I am on a good salary and never bet unless I have a bit of…
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Re-mortgage advice, help please
Hi everyone, hope someone can help or offer advice to get us out of this predicament. We currently own a BDSO (I think it's called?) It's a steel top half to the house on a council estate. We purchased the house for 60 k two years ago and it's valued at around 85-90, We are now over the two year fixed term the original…
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Customer retention offer negotiable?
Just curious but are customer retention rate offers negotiable? Thanks F
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Mortgage never completed but still charged payments.
Hi I wonder if someone can give me some advice. My partner arranged a mortgage with Halifax/Bank of Scotland for a property we were purchasing at the end of February. Unfortunately completion got delayed and eventually fell thru at the end of May, when the solicitor returned the funds to Halifax. My partner then noticed…
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tracker v fixed
hi all, first post so be kind! what would most people take with regards to mortgages now? fixed or tracker? We have been quoted for both and there is approx £80 difference per month between them We have always gone for fixed but £80 is a huge saving however it worries me incase the tracker shoots up over the next 2 years…
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So Far So Good
Hello, so I am currently going through a IFA for a mortgage the DIP came back with Halifax who I bank with for £73955, i found a house for £60,000 so well under the DIP. I have found a convey Ensor and today my IFA is completing the full application with Halifax. My convey Ensor forms have been completed and just need to…
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Mortgages for doctors
Hi all, Anyone have any experience of getting a mortgage as a doctor? My partner completed her GP training in August and will be starting as a GP partner in October and we're looking for a mortgage. High street banks seem to consider this as self employed and will only lend with 2 or 3 years of history. I've only actually…
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to remortgage or not
I have an interest only tracker mortgage @ 0.79% which comes to an end mid next year.I am retired(65) and have funds in ISAs and Bonds to repay the £96K morgage. The quandry is will the return on this investment be greater than the repayment amount on a remortgage for either a 2 or 5 year term or is there another way to…
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Declaration of Trust - Confused!
Hi Apologies if this has been posted before, I had a quick look through the archives but couldn't find the answer. Basically I own a flat in my name with a standard resi mortgage with HSBC. I am about to remortgage to a Natwest BTL mortgage so that I can rent it out and release some equity, and this new mortgage is going…
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Proof Of Deposit - Help
Hello Experts, I need some clearification about home deposit. We put an offer on home with New Help to Buy Scheme. The amount we have agreed with developer is £170,000 - Our 20% equity has gone through - so no problems there. Please note that I am married with no kids and I am applying for Mortgage on my own (so not…
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Proof of residency
Leeds BS has asked me for proof of residency at my address back until 2010. I have the last 2 CTax bills by luck as I normally shred them and most of my bills are online. Can anyone offer any advice as to what I can use? I have my tenancy agreements but these are not acceptable and having checked the electoral roll on…
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Any hope of claiming a missold endowment?
We were missold an endowment in 1992 - however the financial adviser was situated within the law firm that we used. We moved house again and didn't realise there was a shortfall as the letters arrived long after the re-direct. By the time we realised, we did as advised and wrote to the law firm. They were curt and…
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mortgages for non UK residents?
My son, who is a British citizen, has had to work in the EU since graduating in 2009- no jobs here. He still holds an HBOS bank account which he uses when visiting, but is not on the electoral roll. He wants to purchase a property here as he intends to come back as soon as he can find work here. In the meantime, it would…
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Mortgage after IVA - not getting any younger!
We're just over half way through our IVA, completing in March 2016, and will be approaching our mid 50s by then. Now looking at what our options might be beyond then and checking forum advice (all brilliant - thanks!) about mortgages post-IVA. We're both in steady jobs but time now not our side I fear. Anyone willing to…
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2nd mortgage question
Hi, I wonder if someone could offer some advice please. We are a forces family currently living in Germany. We own a house in the UK which is rented out on a long term basis. The house is worth about £210,000 and we have £44,000 left on the mortgage. My aging Parents have been in poor health recently and I want to buy…
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2nd House (not home!) Mortgage advice?
Hi there, this is my first post so go easy! Here is my current situation: Living at home with parents Already own one property which is rented out Property was renovated by myself and has around 45/50k equity Current mortgage (natwest) is a homeowner mortgage with consent to let Currently into the 4th year of 5 year fixed…
