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Who would be the best company/person to approach with an ok credit rating?
As above does anyone have any ideas of who to approach with an OK credit rating? Am I better trying my own bank, A Broker or an independent? thanks in advance.
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Inherited property mortgae advice please
Ok might get a little confusing here but please bear with me :) Mum died last year and left her property to me solely under the proviso I would sell my house and move into hers within 2 years (which is what I want to do) and pay my 3 siblings £25,000 each within that time, rather than selling it and sharing proceeds - she…
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Under payments what's the catch?
I have overpaid 6k to my mortgage in recent years And am thinking of making underpayments for a few month am I correct in saying that for the 3 months I make underpayments Nationwide will just use my overpayment balance to pay the Mortgage? or is their a charge for doin this? Although I suppose it is my money, it seems to…
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Divorce and mortgage
Hi guys, Hope someone can help me here Ok, basically 7 years ago my husband and myself took a mortgage out, we used a broke who found us a mortgage at ridiculous high interest rate, but due to his age...49 and we had no deposit it seemed the only way we could do it. So the house was 120,000 we borrowed 130,000 altogether…
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Help - Mortgage ILR?
Hi, Just got off the phone to nationwide this morning to check on lending criteria on a joint mortgage between the other half. Me british citizen and other half a US national with indefinite remain to leave in uk. She has been in the uk since 2000 and only got her ILR on 2007. She has not applied for British citizen but is…
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can you arrange a mortgage before the 'must own for 6mths' period expires?
Hi, We would be really grateful for any advice on this.... We have bought a property that we need to renovate before we can use it for both living in and running a new business from. We would like to raise money for refurbishment through a small mortgage of about 30% LTV but have run up against a hurdle we didnt…
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mppi - full medical history?
do companies require your full med history. thanks
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Santander Mortgage - aaarrrgggh!!
My wife and I put in an offer for a repossession property which had a 6 week completion stipulation by 13th Jan 14. Once we found out the offer was accepted we immediately contacted Santander who put the agreement in principle and agreed they could complete the mortgage process within 6 weeks (even though it's the…
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Mortgage and offer advice please (1st time buyer)
Hello! I have spoken to Halifax who have given me a mortgage promise of a mortgage for #140000 total (including my #23000 deposit). Having spoken to Nationwide they gave me a similar figure. (A mortgage advisor gave me a much lower figure however?). These are the only places I have approached. I am looking in a popular…
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Transfer of equity
Hi all, Please help if you can. I currently have 4 BTL interest only mortgages, which are being rented out. My wife and I want to buy a house in a different city to where the BTL properties are, but we don't want to take on a residential mortgage whilst having the liability of owing the banks so many hundreds of thousands…
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Mortgage advice & Recommendation please (1st time buyers)
Hello, Me and my girlfriend are on the verge of applying for our first mortgage and we thought we'd post on here for some advice and perhaps a recommendation for who we should go with. We are looking to take advantage of the 5% buy to help scheme. We are looking for a property in the range of £140,000 to £150,000 and…
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Can a mortgage expert help please?
Hello I have asked my bank and a local building society, but they haven't been able to give me an answer. I am in the very fortunate position of being a cash buyer. But that means I don't have the benefit of a mortgage company telling me if there is anything to be wary of. The house I am interested in buying is built over…
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mortgage help
Hi Im requesting help, im unable to afford a new build deposit of 25%, I have a house, would I be able to part exchange my house for a new build with help to buy.
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Ok credit rating mortgage
Hi, I have a credit rating of 373 ok? Quick question will a high street lender lend on this? I earn a basic of 30k with an additional of 15k bonuses i have a 10% deposit and am looking at houses for 80k Any help match appreciated......
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How long to fix?
I'm currently looking at buying my first property sometime next year. I am a first time buyer with a 40% deposit, so am able to get some fairly good rates. After a brief discussion with an IFA, he mentioned 3 deals currently available to me: A 2yr fix at 1.89% A 3 year fix at 2.4% A 5 year fix at 2.95% The repayments work…
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Will this have an adverse affect on my mortgage application?
Hi all, I'm in the later stages of buying a house ... e.g. I'm just waiting to receive the paperwork from the solicitors now that their solicitor > solicitor enquirers are complete. I haven't yet paid the deposit, but this should be done this week. Anyway, my 2 year car lease options is also coming to an end at which point…
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Shared Ownership dilemma
I purchased 40% of a shared ownership property in Central London two years ago. The value was £325k. We have recently been looking into our options, the HA recently valued the flat at £365k however, two local estate agents valued it at £650k (looking at properties current sold, this seems to be what they are selling for, I…
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Should I open a Nationwide Save to Buy Account?
I am a first time buyer looking to buy in about October if possible, although it may be December/January 2015. We will have around a 12k deposit and looking to borrow about 120k on a joint salary of 32k with good credit. I am currently banking with Natwest and saving using an ISA which is about to be full. Where should I…
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Mortgage Refused (other options)
Dear All I am in process of buying a house. I have good credit history but I have been refused mortgage twice by underwriters of Nationwide and Santander and both of the lenders have not given any reason what so ever to decline the application. Do I have any right under Date protection act or freedom of information to…
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TESCO BANK MORTAGAGES - Supporting Documents
Anyone had any dealings with Tesco bank mortgages recently? i've just sent through my supporting documents they requested after receiving my offer in principle. Well nervous now _pale_, as i've sent them a lot more documents then they have actually asked for and i'm nervous that this could go againts me. They asked me for…
