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Life's Unfair!
U just try and do your best and jump thro hoops of fire to 'conform' to strict criteria and get nowhere
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Classification of a house/barn being uninhabitable?
Hi I'm potentially going to buy an old stone barn and convert it into a home. I'm going to see an IFA tomorrow but just wondered how banks classify the term uninhabitable with regards to a mortgage. The barn in question is grade II listed which has approved planning permission for conversion. The barn has electricity and a…
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Losing my home
After getting divorced last year my ex agreed to pay my mortgage until our son was 18 or left full-time education. (He was 15 at the time). During the last year, I have discovered my ex has asked for several mortgage holidays as his business wasn't doing very well. (He moved to China, remarried and set up a business over…
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Non Standard Mortgages
Can anyone tell me if there are still non standard mortgages available. My partner has a poor credit history, non guaranteed overtime but a high LTV...any chance he could get a mortgage ? Thx
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Tower block mortgage advice needed for FTB
We are about to apply for a mortgage on our RTB council flat in a concrete tower block. The block has over 50% leaseholders and flats are very easy to let out (central london). I got quotes from Santander and TSB and the advisors I spoke to sounded very positive. Credit reports look good and high LTV means we've been…
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Parents divorcing, buy half the house?
My parents are getting divorced. They own their house outright, and it is worth circa £250 000. My mother wishes to stay in the house while my father departs and to do so she would have to buy his half of the house. However she has no regular source of income. Is it possible for me to raise a mortgage, somehow using my…
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Can I move on to the current rate?
This might sound like a stupid question, but I signed up for HSBC's fee free tracker a few months ago (the one with no penalties etc). Now the rate is better would I just be able to move on to the current rate?
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use a mortgage advisor or not?
been to see a few, but at the back of my head is this voice saying if I use one im wasting money.
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Feeling scared at the amount of debt we're taking on
Hi everyone, I'm a long time lurker on MSE. I'm posting because I haven't seen many people (if any!) that admit to the levels of mortgage debt we are about to take on. Is there anyone else out there... or are we just mad? Here's our situation. We live in Surrey, and house prices are high in the area. We currently have a…
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Split with Partner
Hi I was wondering if someone could offer some advice. My ex partner and I have been broken up for around three years. We are on excellent terms and we still share the mortgage. He pays one quarter toward and I pay three quarters as I still live there. In effect I am renting a quarter off him but he would still be entitled…
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Mortgage Advice
I am after some advice please. My girlfriend and I looking to buy. She is a first timebuyer and I am still repaying an old secured loan which had negative equity somy credit file will clearly be affected. We do have a deposit we could use andmy girlfriends sister is happy to apply as a joint applicant but she has…
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Mortgage application
Hi, Not sure if this belongs in here or the credit file forum but essentially I’m looking to apply for a mortgage. I’ve already received a quote from Halifax based on the details I’ve given them but one thing came up that I’d like some advice on. I currently have a cashback credit card that I use for most day-to-day…
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What info is included in a mortgage offer letter?
Does anyone know what information is included in a mortgage offer letter? Does it have a breakdown of all the information provided? Or is it just the sume they agree to lend and any conditions there may be? Thanks for any replys. :o
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Norwich & Peterborough's calculator giving odd results
Hi there Looking to move house soon, and playing with various calculators to see what we can borrow. We'll have about £170k deposit, and are looking at a house worth £382k, so borrowing £212k. The Nationwide's calculator quotes, for its two-year fix at 1.84%, on a 20 year term, a repayment of £1056/month. All good, and…
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Mortgage for self employed
Since buying our house in 2004 my husband has gone self employed, I think it may have been in 2008. We also changed the company to ltd this year. We now need to move house as we have had 2 children since buying this one and are feeling a little more space in needed! Do I need to look at particular mortgage products? Where…
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Is this possible :/
Hello,We have an endowment mortgage with six years to term.At the moment it is running on track(although having to increase the premiums twice since getting it).Our mortgage is £34,360.00 at 2.5% apr obviously we would like to be mortgage free sooner than the six yrs.We can pay 10% in overpayments without paying any early…
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santander mortgage
Can anyone tell me how quick/slow santander are when you apply for a mortgage with them. We are selling a property and the buyer has had to re apply for his mortgage and has gone with santander. I believe the application went in about 10 days or so ago.
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Switching mortgage with product fee
My current interest rate is 4% and I have recently been offered to switch my mortgage with my current provider, the lowest rate is 2.35% with a £995 product fee. The other 2 year fixed option is 3.15% but with no product fee. Property value is £161000 with loan amount £119500 (27 years remaining). Trying to figure out what…
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Repayment Plan on Interest only mortgage
Hi HSBC seem to be saying that it no longer accepts a pension linked repayment plan as acceptable for an interest only mortgage. I have a civil service pension that based on a tax free lump sum accrued today of £100k would repay around 50% of the amount I intend to borrow based on a 60% LTV mortgage (ie I'm putting a…
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Can I get a mortgage before the end of my 6yrs of bankruptcy?
Hi, I'm hoping someone can help please. I was declared bankrupt in sept 2009 and discharged sept 2010. Fortunately for me since,I met my now fianc! who has a mortgaged house,and I'm now in a really good job. I'm aware that bankruptcy stays on your file for 6 years and can prevent me getting decent credit until that time…
