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Need to take my ex partner off my mortgage
My daughter has been separated from her partner for 18months. The mortgage is in joint names. He, understandably, wants off the mortgage but even though she has always paid the mortgage from her account and never missed a payment, she has been turned down by her current lender & by the Halifax to have a sole mortgage. She…
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Mortgage Mis Selling
Hi All, I need some advice, I was sold a mortgage in 2006/2007 in which I was made to say I had a part time income self employed as well as a full time job in Barclays Bank (which I did have). I have never been self employed. I defaulted on the mortgage and it was repossessed from me in 2008/2009. It was then sold for half…
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Aviva Lifetim mortgage - widowed mum died interest still at £14 per day
Are they allowed to do this? The house is up for sale but probate hasn't been granted yet. Also if they are allowed to get off with this shameful exploitation - how do I account for it on the HMRC forms?
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Mortgage advice
I wonder if anyone can help with this as I am unsure if it works. I have a Mortgage with Nationwide on the BMR rate, as savings are rubbish at the moment is it better to pay off a chunk of my mortgage then to save and would I still have the option to borrow back the money at some stage. cheers
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Poor credit rating mortgage, and paying chunks off mortgage
Hello everyone, Im looking for a bit of advise please. I have just finished paying off a DMP, so my credit rating is poor at the moment, but I am planning on saving about £30k over the next 5 years for a deposit for a house. My default started 3 years ago and so im 5 years, the default should have come of my credit file.…
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Raising money for a deposit
Hi Guys, I hope some of you might be able to help. We currently own a house and have about £75k in equity. We are just in the process of remortgaging to a better fixed deal. We really want to buy a bigger house, lets go with the assumption that the mortgage lender has given permission to let our current property. Can we…
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Sending payslip and p60 for mortgage application
Hi. I'm moving house and borrowing more. I've applied via nationwide and they want p60 and payslip to confirm how much they can lend. The thing is. The p60 shows over £2000 less a year due to non taxable London weighting I get in my payplip. Which one will they used to work out how much they can lend?
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"Ex pat mortgages"
My son is working with the UN and wishes to purchase a buy to let property. He is classified as an "ex pat" and as such must put down 30 per cent! He makes a really good salary but is only in the job a couple of years so this would wipe out all his savings and I worry that with property he should have a bit of security in…
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Letter from solicitor re exchange & completion
Hi all, Just looking for a bit of advice - we've had a letter from our solicitors (purchasing only, and vendor buying new build) asking us what we want to do about exchange and completion. They are offering us 2 options, the first to exchange as soon as we are ready (with a warning about condition in mortgage offer that…
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BTL Mortgage where DSS are acceptable
Hi, I have recently gone thru a Skiption Mortgage BTL application where its all gone thru (to complete end of Nov) - I wasn't planning on letting to people on DSS but I have since found someone who might be good who are on DSS. However in the terms of the Skipton BTL it stipulates no DSS. I called them and they said they…
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Help with credit card dept and mortgage application
Hi, Im wanting to apply for a mortgage, i would be the only applicant. I have a few thousand on a credit card in my name which would restrict the amount i could borrow. If the balance of the credit card was transferred to my wifes name would i not have to declare this on the application as an outgoing?
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Mortgage and Credit Card
Can someone please help, Our mortage is due to complete tomorrow. but we want to access some money via blance transfer from credit card to current account. Mortage with Skipton, do you know if they do anymore checks prior to completion tomorrow? If so dont want to transfer the money unitil we know the solicitors have hold…
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Joint Mortgage Help - Relationship Over
Hi All, I needed legal advice on the following situatioN. My partner and I bought a house together and have now parted ways and we are intending on putting the house up for sale. We reserved the house in April 2013. In January 2013 - I transferred a large sum of money (20% of the house deposit) to my ex partner who was…
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Unusual to ask for Experian Credit Report?
Hi there, we are at the start of the mortgage application process with Newcastle Building Society and they have contacted us to say that they need us to provide a copy of an Experian Credit Report as their credit check is showing something that they can't account for. Is this normal - I thought their credit checks would…
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Lend money for house deposit
Can anyone advise on the best way to do this? My daughter and her partner want to buy their first house, they can afford the repayments but it would take a long time to save a decent deposit to qualify for a lower interest rate. I have agreed to lend them enough money to bring the amount they have to botrrow to 85%. I will…
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Ending mortgage early.
If I decide to sell my rental property early and in the process end the fixed mortgage. Will his have an adverse affect on my future loans/mortgages?
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Proof of deposit?
I am finally in a position to be able to buy a house and have the deposit money in my account. Halifax have asked to see proof of the deposit as £6000 was paid to me but my daughters mother for payment I loaned her for a car. Will this be acceptable? Do they need to see 3 months of her bank statements too? Thanks
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Repossession Help!!!
Hi, I am new to here so not sure I'm posting in the right place... Basically, my husband, mother and law and myself own a building site which we have now run up arrears which has resulted with a solicitors letter being sent to us about repossession. To be honest, we feel this is our only option- for various reasons, no…
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what mortgage??
hi everyone, I wondered if anyone can help, I own a property that has no mortgage and want to release some equity. can I get a but to let mortgage or is there a better way thanks dave
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Guarentor Mortgage
Bit of background Im full time employed and good credit history (credit cards paid in full etc). OH has been self employed for 16 months but has no credit history (no cards or anything like that). Both FTB. All lenders Ive seen require 2 years+ worth of accounts which is obviously an issue for us, especially as last years…
