-
Married name on deeds
Hi, I recently got married and we bought a house before we tied the knot. We have changed the names of our joint account to our married name, including the mortgage account. Do we need to change the names on our house title deeds (via solicitors? ) or can these be left in maiden name ?
-
Will having savings help get bigger mortgage?
Hi all. My husband and I are wanting to move into a bigger house but, first of all I am self employed and have to wait until next April before my accounts are taken into consideration but even then I'm only pushing 10k before expenses. I've recently come into some inheritance and I was wondering if this would be taken into…
-
When do you transfer funds to solicitor?
I am in the process of buying my first house, at what point do you transfer the funds to your solicitor? I am in scotland and the date of entry has been set as the 6th Dec, so would it be close to this date?
-
What's the best way forward. Payment Holiday/Borrow on mortgage?
My 5 year 5.19% fixed ends Jan 31st 2014. The house is being renovated almost singlehandedly by my Husband to save money and make it more marketable as only bathroom off bedroom puts off buyers. I am on maternity leave so pay has dropped drastically and I'm the main bread winner. I have never missed or been late with…
-
Tiny default- is this what is stopping us getting a mortgage?
Hello, My partner and I are looking to get our first house together (I have had a mortgage previously but am no longer named on it). I have a credit card with £500 and an overdraft for £1500 and my partner has an overdraft of £500 and a credit card of £1500. We both have mobile phone contracts and I have a finance…
-
best way to remortgag3
I have a buy to let mortgage with Birmingham Midshires (about 5 years old now) & contacted them to enquire about a remortgage to release £4000. They say they only use brokers now. My credit rating is not good (not all my fault!), what do people reckon my chances are? The present mortgage is for £86950, present house value…
-
Last minute credit check
Hi Experts, Will be thankful if someone can help me. I had my mortgage offer issued 3 weeks back. The contracts have been exchnaged today and the legal completion has been set for next thursday. The mortgage is just on my name and my wife is not part of the application. However yesterday my wife was checking her credit…
-
Mortgage overpayment question
Hi there I have overpayed the maximum allowed on my mortgage this calender year but my fixed term ends on 30th November. My question is do I have to wait till January to overpay again or am I free to to pay off as much as I like from December the 1st as I will then be on the standard variable rate? Hope this makes sense!…
-
Changing form interest only to capital repayment
I currently have an old Alliance and Leicester mortgage on a interest only basis, situations have changed from when I originally took out the mortgage and I now need a standard repayment mortgage, I would like to also like to add my partner to the mortgage, we are also looking to move in the very near future. So we are…
-
Working out mortage total
Hi im researching into getting a mortgage. Im wondering if there is a guide or calculator to work out how much interest Ive payed over the 25 years at a fixed rate (just to get a idea) Also to work out the amount i actually paid for the house would be home value i agreed on plus the interest paid. So 125k + interest if…
-
Capital or clear mortgage?
I have about equal amounts of savings and outstanding joint mortgage. OH and I are about a year from retirement, at which time our income will drasticly reduce. Savings are in the best paying ISAs we can fnd, but none above 2% and mortgage is 2.5% for the remainder of the term (another 7 years). Should we pay off the…
-
Alliance and Leicester mortgage.. Too good to be true?
Hi, I'm in a bit of a daze as this all seems too good and easy... What's the catch?! I took a £125k mortgage 9yrs ago with A&L on a 17yr term This reverted back to 0.5% above base about 7 yrs ago. I now want to get a bigger mortgage and include my girlfriend. So I called up the Santander number for existing A&L customers…
-
Buy to Let mortgage coming to an end with negative equity
Hi, I hope someone can give me some advice for a friend who has a mortgage with Mortgage Express which will be coming to an end next May. They purchased the property as a new build in 2005 as an investment for their retirement. Unfortunately, the property was massively overvalued and subsequently dropped even lower in…
-
Please help - refused mortgage
Hi all, I'm looking for help with our mortgage. We're gutted because we've had our mortgage application refused because of my husbands poor credit. He had a great rating up to the point where he divorced his ex wife and she wouldn't pay her debts on the joint account. The account ended up defaulting, my husband paid all…
-
Partner new job
Hello everyone, I'm hoping someone can help me with this question. Me and my partner are looking at buying our first home, we haven't agreed a mortgage in principale yet. The down side we are having is that my partner has only recently moved jobs, she moved to a much much much better paid about 3 weeks ago but of course…
-
Who will lend on a concrete framed construction?
Hi, I am looking for some help. I have found a property in Glasgow that I would like to buy. The problem is the property is non traditional concrete build. The Home Report advises the property is suitable for mortgage purposes and a number of flats have sold in the block in the last 3 years. The current owner has a…
-
Insurance cover
I have my repayment mortgage approved which I am happy with but when I was going through the UW process I was asked about insurance and that one of the banks representatives could ring me to discuss etc...I said ok and discussed critical illness cover and life insurance/unemployment with them and they sent me details of…
-
Natwest Interest only mortgage - overpayments
Hi I have an interest only mortgage with natwest which is now on the SVR as the fixed term expired. I pay £350 a month. There is not much collaterol in the house as I bought at the wrong time on a 100% mortgage. I will therefore not get a decent repayment mortgage rate. I can make overpayments on my mortgage so I have…
-
Help. need info on next mortgage
I have been a home owner now for 10 years. I have fallen behind on my monthly mortgage payments although I have an arrangement set up to clear the arrears on top of my monthly payments. My question is, if I were to sell my house is it possible I would get another mortgage or is there a period of time I have to wait so my…
-
Santander
Ok submitted our application Friday they have done a credit search on me and OH on Tuesday, they requested OH pay slips again as the copies that were sent werent great today. How much longer before we know if we have been accepted im so nervous!!! Do they reject just off the back of the credit report we havent got owt…
