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How much typically to certify our I.D?
We're thinking of approaching our solicitor to certify our I.D as requested by the solicitors acting on behalf of the new lender. Just wanted to get an idea on whether there is a charge for this and typically how much we should expect to pay for the service? Thanks F
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Employed by my own LTD Company
Hi all, A long way off, but next May, I will be looking to get staircase to 100% of my shared ownership house. So, I'm starting now to look into all the possible options and get things in place so that we can show 6 months of solid income and we will hopefully have cleared our debts by end of November, enabling us to have…
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Yorkshire BS or The Chelsea?
We are about to make a mortgage application. The lowest 5 year fixes appear to be 2.69 with Yorkshire Building Society and The Chelsea. We were going to make an application to both to see exactly how much they would lend us but I've just noticed that they are owned by Yorkshire. Given that there isn't much difference in…
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Help with choosing a mortgage please! First time buyer :)
Hi So many products out there, we are slightly confused. Basically we're looking for a mortgage that lets us make overpayments and would let us pay early if we came into some money (never know...;)). It needs to be a 5 year fixed rate over a 25 year period. I know there's higher fees for getting longer fixed rates so i'm…
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Provide sister a mortgage .... advice please.
My sister/brother in law/nephews live in a private rented house, with the constant threat of rent increases & having to move house I decided to see if I could do anything to help. Sadly they are not in a position to obtain a mortgage with high street lenders at present. My initial thought was to buy a house & rent it to…
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Mortgages for IT contractors?
DH is considering looking at IT contracting jobs. How do mortgage providers deal with customers who have contracting incomes? I have spoken to London and Country who said he would be considered as self employed and therefore need 1-2 years' accounts before being able to get a mortgage. However, on the other hand, SJD…
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FTB - advice on mortgage chances needed
Hi there I am new to the site and am looking for some advice, especially from any of the mortgage advisors out there. I think many people are in my situation but want to outline my circumstances. I am looking at buying a property through the Help to Buy equity loan scheme. The asking price is £199,950 so with the equity…
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Getting a Name Off a Mortgage... At my wits end!!!
Hi there, I've seen there are already a few threads that centre around this title, however as I am speaking on behalf of my partner, I wanted to be specific with the issues she is having with her ex-husband. My partner has now been divorced for nearly 3 years, of which she was separated from her Ex for at least a year…
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Second mortgage
Hi We recently got married and are just about to embark on buying our first house together. Simple enough so far. The slight complicating factor is that I already own a house which I have been renting out for a number of years since I moved down to London to be with my, now, wife. When we moved back up north we decided to…
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Advice on re-mortgage with extra borrowing
Hello everyone, My situation: 3 bed semi bought (Nationwide mortgage completion date) - Dec 2012. Property value at purchase - 183k Mortgage pending - 170,020 (at 5.69 fix 3yrs remaining) Early Repayment charges - 6.9k Current valuation as per Nationiwde online tool -191k (Outer South East) Work done New Kitchen - 10k…
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How much could we burrow on 35k ?
Hi everyone Myself and my husband are hoping to apply for a mortgage and we have a combined salary of 33k. Does anyone have an idea how much mortgage.we could get? We have 15k deposit. We may also look into the new 95% mortgages being handed out soon too! :rotfl: Any help or advice would be fantastic! S x
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To Pay off or not to pay off?
Hello all, Iv'e just registered on her as I don't seem to be able to get a straight answer from any of the 'professionals' I have spoken to. I don't think I fit into their little boxes! My situation is this, My partner and I live in a house which we bought 7 years ago for £310,000. We used funds from the sale of our…
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help needed.partners ex threatening legal action over property
Hello, To be brief My partner and I have submitted change of ownership to her ex partner. They bought the flat with a interest only mortgage, with her parents paying 50% deposit. They lived together for 2 years, put 30k on top of the mortgage to pay for doing it up. He left 3 years ago and I have been living with her and…
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can I get a mortgage whilst on sick leave
Hi In August I had my mortgage application approved by Halifax but there has been a delay in moving this forward as the vendor of the property we wish to purchase is delaying the survey until he has found a property he wishes to move to. I have been told our mortgage offer on this property will be valid until February 2014…
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hard to get I/O mortgage is there any other way
hi all 2 yrs ago I got an interest only mortgage on a flat for my daughter to live in as she was at uni, finished uni but she cannot get a job, so i'm still paying the I/O mortgage, it was a 2yr deal which has come to an end, and the new deal offered by Santander is £100 pm more than what I was paying on original deal, mrs…
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Probate Problem!!!!!!!
Sorry can:'t find appropriate place for problem. My Children's Father has left a house and a sum of money to which my 3 children are entitled (No Will) My Son and Daughter signed with a Solicitor to deal with Probate. The Solicitor wrote to my older Son to ask if they could represent him. He lives some distance away and…
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Borrowing more for home improvements and increase value of house
Say for example current house bought for £300k this year, £150k mortgage so 50% LTV Say borrow an extra £30k for home improvements ie new kitchen, bathrooms etc. so Total borrowing £180k therefore 60% LTV Say as an example you get the house revalued (not sure who by, mortgage lender or estate agents or surveryors) the is…
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AIP referred
Well started my 'right to buy' mortgage journey Friday with a visit from my mortgage broker. With fees I wish to borrow £64400 on a house with a market value of £135000 over 15 years. Fly in ointment is discharged bankruptcy 2005, all files now A1. Mortgage applied through Nationwide, who I have banked with for over 10…
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Mortgaging a property to be bought at auction
Hi everyone, My boyfriend and I are looking to purchase a house at auction, but, as I have never bought a house before, I have no idea about mortgages :( My boyfriend currently owns a house, but, he is looking to change his mortgage to a buy to let mortgage, does anybody know if this will affect our application? We have a…
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When to redeem mortgage?
Hi all, I have a 25 yr mortgage of approx £250k. We can pay < 10% each calendar yr. Some have advised I should look to pay it off asap. However, is it always true that any available funds should be paid to the mortgage, rather than deposited in a savings acct, ONLY if the mortgage interest rate exceeds the savings interest…
