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Need some advice
Hi, First time poster and in a bit of a pickle! Essentially I'm after some advice and I'd be really grateful if anyone could shed some light.. We are waiting for a decision on a mortgage application from accord mortgages. From what I am reading this isn't an uncommon position and I wish I had read reviews before applying.…
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mis sold endowment claim
we've got a claim going for 2 endowments - we've got a company doing it for us ( don't shout at me please ) and I've just rung them for an update basically Clerical medical have said they didn't give us advice it was a mortgage advisor that was someone my husband used to work with at the time but they are no longer around…
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Paying for someone else mortgage from my current account
Dear all, Is it possible to pay for my stepdaughter mortgage short term (with Nationwide) from my current account (Barclays Bank), I will like to help her,and I have internet banking which i am not sure how i do this transaction. A standing order is what ideally I would like, direct to pay the mortgage only,the only…
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Effects of overpayment
Hi all, I am sorry to ask a question about a topic that has been discussed here before but after having read quite a few threads about overpayments I am still confused :( I have a First Direct 5 yrs fixed mortgage which allows me unlimited overpayments. Just 15 days after the start of my mortgage some of my fixed term…
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names on mortgage help
Hi I'm rather clueless about mortages, deeds, names so hoping someone can help. Basically my husband inherited a share of his grandparents house and we bought out his dad and uncle. At the time I was only working on a temporary contract so we were struggling to get accepted for a mortgage. My sister in law offered to apply…
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HSBC Mortgage Non Refundable
We took out an HSBC mortgage deal that was non refundable. We got this approved on Monday and paid all fees upfront (after 4 weeks of them assessing our application) . This was £1499 lenders fee and surveyor costs. Then unbelievable bad luck. The next day the seller pulled out. We went back to HSBC 17hrs later. They had…
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Mortgage in one name
We're looking at buying our council home, I've had a poor credit history and although I'm debt free I have 4 defaults on my credit file. My husband is fine no credit problems etc, if he has the mortgage in his name and we both pay the mortgage but split up how would I stand? Would I be out without anything? Thank you any…
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Mortgage application
Hi, me and my girlfriend are going to apply for a mortgage, the house we want to buy is £119000, we have £12000 deposit (90% LTV) so we want to borrow £107000. My girlfriend earns £28000 and i £30000. My girlfriend has a healthy bank balance, no debt, and has never had credit because she has had no need to. I have about…
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Fixed Mortgage advice
Hi there! After the bank has made some changes to my online banking I can now see the amount of interest added to my mortgage every month. I have a fixed rate repayment mortgage yet the interest added is going up each month. I would have thought the interest should be going down as I pay more off my mortgage? Please can…
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Lost out on Endowment
I am still angry many years later and in light of recent events with PPI I'm not sure if I am still complaining or have grounds to re-open. Cutting a long story short in the late 90's I received several letters from Legal & General stating my with profits endowment was unlikely to meet the mortgage on maturity. After a few…
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Selling a leasehold flat
Sorry wrong forum!
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High earner, large deposit yet with a default...
Hi all, Wondering if anyone has advice on 'specialist' lenders? I have an existing mortgage of £300,000 on a house worth £1m, so £700k equity. I want/need to buy somewhere larger (growing family) but a £10k default (which is now nearly paid off) is sitting on my credit file. I earn £150k and want to go to circa £450-500k…
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Nationwide
We applied for a decision in principle two and a half weeks ago. They keep saying we will have a decision in 24/48 hrs and then they ask for more info. Has anyone else experienced this
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MSE News: Had a Clydesdale mortgage? You could be due share of £33m
"Thousands of Clydesdale Bank mortgage customers will have some of their debt written off or be given compensation..." Read the full story: Had a Clydesdale mortgage? You could be due share of £33m Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our…
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Halifax - Decision in Principle Vs completed.
Hello All, I have a mortgage in principle with the Halifax that I have got with my partner a couple of weeks ago. We are a little worried that this will not get fully accepted as we had a default just over 5 years ago. Like simple people I had assumed that if you got the Mortgage in Principle that would include a credit…
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Mortgage Life Insurance
Sold my house and will be moving into rented until a suitable purchase comes along (all the houses we wanted have been sold, typical). What do I need to do with my mortgage life insurance? Do I just cancel it? Thanks
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Redemption Certificate
Is it an actual condition of exchange , for the solicitors to have to receive a mortgage redemption certificate? Lender is Barclays
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BTL Remortgage after 3 months
Hi guys, New on here so go easy on me! I've seen a property I want to buy which isn't mortgageable in its current state. I've only ever bought a 'normal' habitable house before. This one is a mess at present but will only take 2-3 months to complete. I spoke to a person on the phone the other day about bridging finance and…
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When is proof of income required?
Hi I am planning to move cities and jobs and would like to get a mortgage offer on my current salary in case I have to take a pay cut to facilitate the move. I'll be able to afford this as my wife's earnings will increase when we move, but we can't evidence that as she has only recently set up her business and hasnt been…
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Adding Person to Mortgage - Complications
Hi I want to add my partner to my mortgage when I renew my product early next year. When i purchased the property we didnt get a joint mortgage as they were self employed and this caused problems at the time, approx 20 months ago. Although everything has been 50/50 from day 1. Their income is approx 50% higher than mine…
