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Anyone Applied to YBS Recently
After withdrawing from a previous sale, for which I had an application with Accord, I had been told I could keep the Accord product and just apply for a change of product. It now transpires that this is not possible (as the original product does not exist and I am going to be borrowring more for the new property I agreed…
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Morgage Advice - Home Move
Hi, I'm looking at moving home in the next year or two but while I've gone through the buying process as a first time buyer a couple of times (long story) I've never moved from one house where I was the mortgage holder to another where I am getting a mortgage. I was wondering in particular how deposits work when you…
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Consent to let dilemma
I have a big dilemma. I wish to get “consent to let” from my mortgage provider. I know it won’t be that difficult to get one but rate of interest would shoot up quite drastically. Now, I have been told by a friend of mine that if I remortgage first and enter into a fixed rate product then for the period of that fixed rate…
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Mortgage Help Needed!
I am a first time buyer looking to get a joint mortgage with my husband on a property priced at £385000 with a 25+% deposit. I don't have a squeaky clean credit history and have some late payments dating back 3+ years but none in the last 12 months. We have a combined income of £110000. I would really appreciate any advice…
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Halifax mortgage process
I have just been through a broker after my offer on a property was accepted. The broker after looking through my credit history then proposed Halifax as my best bet. I was asked to provide original copies of my payslips, address history, p60 etc which I have done, just tonite the broker left a voice message to say he used…
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Mortgage offer
Hello I've had a mortgage offer (through a broker) which was straightforward enough (thankfully) but my broker is repeatidly asking about life insurance or mortgage protection. Is it a conditional to get some sort of protection, I'm a bit confused. Thanks for any help
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Mortgage provider need certified copy of marriage certificate - who will do this?
Hi, We sent a copy of our marriage certificate to our mortgage provider, and when my name didn't change on letters etc, I contacted them , to be told they hadn't accepted it as it needed to be a certified copy - good of them to let me know! They advised me to go to my bank to get this done, but I went in today (Halifax)…
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Which Mortgage to Overpay?
Hi guys Touched on this in a previous thread, but think this could use it’s own. Need some help to decide which of my 2 mortgages to overpay,I’ve tried to crunch the numbers a couple of times, but seem to end up with a different answer each time, plus there’s other factors that you can’t calculate, such as risk of BofE…
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Can my wife and I get seperate mortgages?
Hi All, I am looking to get a new mortgage. I was wondering if my wife and I can get seperate mortgages rather than a joint mortgage? The reason I don't want to get a joint mortgage is because my wife is not on the electral roll (and cannot be because she is not currently a british citizen) and I believe this affects her…
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Parent on mortgage?
Me and hubby currently have a mortgage on our property which is up for sale but just found out we can't sell because nram won't port our mortgage as hubby has not been self-employed for a year yet. My dad said could he be guarantor, now I don't think that will really work if we stick with nram, but what if the mortgage is…
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NatWest "Free standard valuation" (remortgage)
Hi all, Our 5 year fix has just come to an end with C&G (well... Lloyds now) and are looking for another 5 year fix, but NatWest on paper are offering a better deal compared to what Lloyds are offering. However it all hinges on the valuation of the house as with what we have left and what I think the value of the house is…
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Best buy to let rates?
Hi guys I own a rental property 50/50 with my brother, we did live there, but he relocated abroad and i relocated to the North so we let it out with consent to let from Nationwide nearly 4 years ago. We were sat happily on nationwide's BMR of 2.5%, but on renewing our consent to let earlier this year we have now been hit…
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Best way of paying off 'Interest Only' Morgage
I have an Interest Only Morgage through Nationwide which currently stands at approximately £20000 to re pay. The remaining morgage term is until October 2020. I am currently paying the Base Morgage Rate , approximately £43 per month plus £500 overpayment most months. Is this the best way to repay this morgage or does…
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Right to Buy - cannot get a mortgage
Dear all, I am trying to get a mortgage to buy my flat under the above scheme. I have excellent credit rating and fulfill all the criteria for a mortgage. I had it pre-approved straightway by Santander (Abbey). However there is a low owner occupier (6 in a 32 flats in the block) and this is the only reason why the lenders…
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AIP from Natwest
Hi there, was just wondering what level of AIP Natwest provide. I went to see the advisor yesterday, who filled some initial forms in, which came up 'green', and was given a letter saying 'yes, we may be able to lend you £xxx' etc. But, from what I can gather, this was merely an 'affordability' check with no credit…
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2 year vs 5 year fix
So, I'm having a (friendly) argument with my Dad about my potential mortgage strategy. I'm not asking for financial advice here, just wondering if anyone can chip in on whether my strategy makes general sense. Assumption: We're both working on an assumption that the base rate will begin to rise in about 2 years from now.…
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buying from 'quick house sale' firm
Please can anyone advise whether there may be any problems obtaining a mortgage from a house being sold from a 'quick house sale' firm. We have had an offer accepted, but the estate agent says some companies won't offer a mortgage on it? Many thanks.
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New build risk of mortgage offer expiring
We are due to exchange soon on a new build off plan flat with an estimated completion date 6-7 months after exchange. Does anyone know any lenders that have mortgage offers valid for more than 6 months or lenders that are likely to extend the mortgage offer? Thank you
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How to pay mortgage deposit
This may sound like a daft question. Can I pay my mortgage deposit using my debit card?
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Mortgage Help
Hi All, I have just finished paying of 4 different debts in the past month. 1 x loan (was paying £278 per month) 2 x credit card (paid both of with savings - £1,500) 1 x store card (£200) I now have only 1 remaining debt of a personal loan with repayments of £182 per month. (Balance £4,400) My rent is also £150. My…
