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Dave Ham
Just wanted to say thanks to Dave Ham. He has been so efficient and straight with us and I will definately recommend him to anyone who is looking for a hard working, knowledgable broker!
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Borrowing
We are mortgage free and need to raise the last £15k to pay for a home extension. We have no debt other than I have £11k of stoozed debt with the funds sitting in the bank due for repayment 50% may 2014 and 50% august 2015. We would look to repay the £15k over 3-5 years. Should we look for a mortgage or would we be better…
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Transfer of equity and existing mortgage
Hope someone can help as I'm a bit concerned about my living situation. I moved in with my now fiance 5 years ago and have been covering half the mortgage/bills since then. I have also used my savings (circa 40-50k) on renovations/building work. The mortgage on a ridiculously low interest rate and when I've raised adding…
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Santander release of funds
Hi, Does anyone know what the minimum amount of time Santander need to release funds between exchange and completion?
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First time buyer but named on BTL mortgage
My girlfriend and I have had an offer accepted on a house yesterday. We have a 40% deposit and want to borrow a low salary multiple. We have an agreement in principal. My girlfriend has just found out that she is named on a buy to let mortgage for a flat she part owns with her parents and sister that is rented out. She…
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Mortgage/Savings query
Hi Not sure if this is the best forum to post this in but here goes. I have come into around 35k cash and am trying to work out the best thing to do with it. My plan is to put most of it into my mortgage but to give full details: I have a property valued at 160k which has 142k remaining on mortgage. My current mortgage is…
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Daughters Mortgage
I am taking over my daughters mortgage as she is unable to pay it. Therefore the property will be owned by me. There is quite a lot of equity in the home. She is currently on benefits with 3 children. Does anyone know if she will be entitled to housing benefit after I take over the mortgage and legally own the house?
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Equity Release - No Mortgage
I have a second 'holiday home' worth about £170k with no mortgage on it. Is it possible to relase some equity to refurbish the kitchen in my main residence ( 15 - 20k? ) if its poss how do i do it and what can i expect in terms of monthly payments Thanks :j
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First Time Buyer Mortgage Advice
Hi everyone, I need some advice. My husband and I are looking to buy our first home. We are discharged bankrupts (over 6 years) with a now perfect credit history. We have credit cards with Nationwide that we clear off every month. My husband is self employed (less than 1 year) & has a business account. I am employed in two…
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Completing on Friday and silent solicitor
Hi there, I'm a bit nervous with my house due to complete on Friday. I've spoken to almost everyone involved (mortgage provider, property owner) and they're all happy... However, I've tried emailing and calling my solicitor to confirm if everything's OK on her side and I haven't heard a peep! I transferred the full…
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Natwest tracker switch online deal - £100 cashback
Hi, Some people might be interested in this. http://www.natwest.com/personal/mortgages/manage-your-natwest-mortgage/switch-online.ashx I have a 2 year natwest tracker mortgage, and i've seen that i can switch my mortgage onto a fixed rate and get £100 cashback for doing so. I took out my mortgage in Feb and the current…
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Mortgage arrangement fee
My girlfriend recently approached a friend who is an independent mortgage broker after his consultation he applied for a mortgage on her behalf giving her a repayment in principle subject to credit check etc The checks have been done however after the survey they have valued the property at a lesser figure ( what figure it…
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Do you hire a solicitor before you sort your mortage?
Hello, first time buyer here. I have just had an offer accepted and unfortunately natwest can't fit me in with a mortgage advisor for almost 2 weeks :( In the meantime the estate agents are asking what my situation is with hiring a solicitor. So do I hire the solicitor before I have my mortgage approved and risk losing the…
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1st Payment date
Ok so we are due to complete on 2nd December (yay) so I rang Santander and asked hypethetically what and when would first payment be he said 28th December and will be £404 which is £40 less then our regular payments then £444 on 28th Jan and so on. My question is can I change my first payment to fall on 2nd Jan or will I…
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Do you need to send passport to lender
Silly question this :o . Currently both mine and my wife passport has been sent away to get renewed this will take around three weeks. I wanted to know when applying for a mortgage will the lender ask for both of our passports or would they ask for copies only. Many Thanks
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First payment for Nationwide mortgage
Hello, I'm a first time buyer, hoping someone can help as neither Nationwide nor my mortgage broker could give me an answer! I complete on Friday 29th November this week. My payments will be taken on the 7th of each month. Will my first payment be on 7 December, or 7 January? Thank you.
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Payday loan / Mortgage application
Hello All, Been quite a lot of it in the press recently after a Newsnight piece last night on those with a pay day loan history blacklisted by standard mortgage lenders. I have used pay day loans in the past, up to about 4 months ago - completely unaware of this (ignorant I know). However, we're hoping to secure a mortgage…
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Remortgage to pay her off?
I am a bit unsure of the following so please excuse me! Can my partner remortgage to raise funds to pay off his ex so we can take the house? The house was sold but the buyer has pulled out so we are trying to think of ways to raise £10k approx so she will move out and we can take the house, which she would be happy to do…
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endowment with repayment mortgage
Has anyone heard of an endowment sold by the lender with a repayment style mortgage? Thanks in advance
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Mortgage on hold for credit report?
My husband and I are first time buyers, in the process of getting a 95% mortgage with the Halifax. :j After sending in wage slips and proof of income information recently, we came home from work tonight to missed calls. Our usual point of contact was busy when we rang back at teatime, but, we spoke to another adviser and…
