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Builders Incentives & what mortgage lender will accept
Hi, I'm just looking for a point in the right direction as struggling with a few things... Looking at buying a property in Scotland so looking to use the Gov back scheme of 20% gov + 5% from me. Have spoken to the builders about what incentives they offer and they have advised that they can only offer 5% but, from what i…
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Newbuy mortgages with part exchange
Hi I was wondering if anyone knew how good your credit file has to be to be accepted for a 95% newbuy mortgage? I would pass on affordability but on checking credit reports my report comes back as good and my partner fair. Is it also more beneficial to apply directly i.e in person at the Halifax or more beneficial through…
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Nram, port, ???
Just after a bit of advice I currently have a house with 106k left to pay on a nram mortgage, some is secure and some unsecure, The house is worth 120k I've just been posted and found a house for 115k Can I do a straight port?? I'm abroad so can't phone them at the moment Thanks
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Advice on buying a house with no 'building regs'
Hi, I am looking at a property which, some time in the last 20 years, has had a fairly substantial extension put on the back. I can't find any planning permission application for it, but the rest of the houses on the street have similar extensions and it shows up on the official street plans etc. So I'm not too worried on…
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Long wait for re-mortgage offer...
The whole application process has been quite long winded but we thought that now the valuation had been done and all the relevant documents received by the Woolich and the conveyancers that it would move quite quickly ( our vendors are getting restive ). My question is; are there delays happening due to the recent major…
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Stafford Railway Building Society
Hi guys considering approaching Stafford Railway Building Society for a mortgage. I like the look of their products, however not heard of them much. I have found some good articles, but was hoping for some real views on their services. All help greatly appreciated. Gerard.
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Recommend a mortgage for a 50+ year-old?
Hi. I could use a spot of advice if you wouldn't mind, please? I have a house valued at £200k on which I owe £120k, but I need another £40k and so want to get a mortgage for £160k, so approx 80% of value. My current lender (Virgin One) will lend up to 75%, which isn't quite enough. I've also found the flexible account to…
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Getting a mortgage and a broker?
Hi, I just wondered what you guys thought about my situation. Me - 3 late payments in the last year. one was a 1 and then 2 marker on a credit card (my fault forgot to pay and I had the wrong address so didn't see the reminders) one other late payment which is 11 months old. The one with two late payments only shows on…
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Any DRO advice please?
Hi, My friend is about to but a house. Him and wife have been to bank and been offered a mortgage in principal ( they said £300k but that sounds way too high ) They want 200k and mate is on a good wage 40/45k ish. Wife 12-16 dependant. The only thing that might scupper them is a debt relief order from a couple of years…
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Arrangement to pay on CR when applying for a mortgage!
Hi... Looking for a bit of guidance, applying for a mortgage is definitely confusing! My girlfriend and I are looking to buy our first house, 20% deposit on a house for £115,000 and we make jointly 40k. Problem is I have an arrangement to pay on my credit file, showing 2 3 then AP. From October 2010. It was a Vodafone…
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running out of time....
I will try to keep this short. Myself and my husband are currently going through the mortgage process with the halifax (through a broker). We have had a few delays due to documents not showing up correctly on the Halifax side so we are now into our 4th week in the process. Our valuation was instructed Last Tues (19th) but…
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part time working = not mortgageable???
Sorry this could be a long post, but just wanted to find out if there is anyone out there feeling somewhat miffed like I am about mortgages and those lovely providers out there? My circumstances are that when I took out my last mortgage (2nd mortgage) I was in full time employment (5 years or so ago) living with my partner…
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Should I declare my 'missing' IVA on my mortgage application
I have an unusual problem (or perhaps not as unusual as I think!) My wife and I run our own business which ran into some financial trouble around 5 years ago just before the recession started to bite. We managed to keep the company going but there were some business debts for which we were personally liable which we were…
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Santander timescale?
I'm sorry if I am asking about a subject that is already covered. I have tried searching but to no avail. We're FTB's. We're dealing with a broker, who got us an agreement in principle yesterday from Santander. We've today had an offer accepted on a property. I am just wondering what the process is and how long things…
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Application process - Leeds BS
Hi all, Apologies is this has been covered before - I did search for it but couldn't find anything in the forums. I just wondered if anyone knew how the application process goes at Leeds? We submitted our application almost two weeks ago, had a call from the broker today asking for a few more documents, but also got a…
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Mortgage Advice
Hi Im considering switching my mortgage as the current deal for my mortgage will be up for renewal in march 2014. I wanted to know should i approach the banks or go to a independent mortgage advisor? I have approached money know how and i wanted to know if anyone has deal with money know how before? Thanks
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Really good joint income but self-employed and contractor
Hi Folks, This is my first time here as I really need some advice please. I have done extensive research into this but still cannot seem to get a concrete answer, even from my bank. So, my situation is that I have been in perm work most of my working career until only 2 months ago when I decided to go into IT contracting…
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potential mis selling of northern rock together mortgage
Hi just looking for advice!
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Mortgage beyond 80 years old
Are there currently any lenders that will lend beyond the age of 80?
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Home renovation loan straight after completion to pay off stamp duty
Hi, I am a single applicant first time buyer currently looking for aproperty within the 3% stamp duty region. My question is - I currently have savings that would cover 10% deposit and moving fees only. So knowing that the stamp duty can be paid within 30 days, I will be looking to apply for a personal loan straight after…
