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Mortgages, CCJs, charging orders..the whole caboodle!
Bear with me this might be a long one but I'm desperately in need of advice.. Way back in the mists of time (2005), I split up with my chap. He moved out of the flat and I was left to pay everything on my tod. Cue 2008 and I've been left with debts from him, and a few of my own, and I got a CCJ for defaulting on a…
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Mortgage - Cycle to work scheme
I have just had a mortgage accepted and I have been told they carry out several more credit checks right up until the funds are released. I have the chance to apply for the cycle to work scheme - does anyone know if this appears on your credit file or could it potentially affect my mortgage application? Bike will be approx…
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Mortgage error with IFA
Hi all, Boring story cut short, I asked for home buyers, and someone forgot to book the home buyer survey which means I got the basic. All parties is passing the blame, and not taking responsibility, which means I be out of pocket by the difference as the bank offers free valuation or if you want a home buyers then I will…
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Scots Law-major mortgage mess
Posting on behalf of mother. This is the massively abridged version... Mum is in a major pickle after divorce. 33 years of marriage. Had a quickie divorce served on her after only 6 months of legal separation (didn't know anything about system or that she should have contested- we know now he committed perjury) and nothing…
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Mortgage application hell
Hi all, Help appreciated, running out of ideas. Sold our house and have 10% deposit for a house which we have agreed 194k. So we need a mortgage of 174600, I am doing a sole application due to a bit of paid off bad debt, we have no linked finances. We have one child and I earn 40070 with no student loan and no credit cards…
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With or without fees?
Ok so my 2 year fix term is up. I have been told there is a good chance rates are going to be back on the rise after January so not to hang around on the 4% svr. I am with Natwest and with my 85% ltv have been offered 4 options. 2 Year Fix 4.29% at £548.99/month with £995 fee 2 Year Fix 4.69% at £573.84/month with no fee.…
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Force a Mortgage Lender to provide information?
Hello Is there a legal letter that will request a Mortgage Lender to state a final total figure of what they want to clear a debt? There are two properties left to get the mortgage shortfalls for. One has been in receivership for 16 months and the other for sale for 9 mths. I cannot yet apply for bankruptcy ( there are 4…
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Mortgage advise please
here is my situation. Just accepeted an offer on my house, and starting to look for a mortgage we have a deposit of about £18K and savings of £5k we will be looking for for a house of 150-200k. I have a salary of about £45k and wifey of about £15k so affordability should not be a problem. We have about £3k combined on CC…
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Anyone come across this/advice needed.
Hi I bought my first property last year that I live in with my partner and son. I got the mortgage jointly with my brother as I didn't earn enough to get the mortgage myself. My brother has nothing to do with the property - he is just on the mortgage. We are now in the situation that he wants to come off my mortgage and…
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Mortgage Payment Query
Hi guys, I have a question about my mortgage and want to check i'm not just being stupid before I ask the bank about it. The link below will take you to a spreadsheet showing my recent mortgage history: https://docs.google.com/spreadsheet/ccc?key=0AsWu_woP_tm7dEloQXIyZHFtVi00cnJSaC0ybDF0c3c&usp=sharing (The first table) My…
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Lenders who will take one year of accounts
Hi Guys, I was wondering if anyone knows which lenders will offer a mortgage to a self employed person with one year of accounts? I set up a limited company in October 2012 with a former colleague and we are contracted to work exclusively for a German company with a healthy fixed retainer. I had an AIP with Leeds Building…
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New to mortgages could do with a bit of help!
Hello, as per the title i am new to the whole mortgage process. I have had 2 low value defaults on my credit file which have now surpassed the 6 year mark and are gone, will this still effect the lenders decision? Have checked with both creditexpert.co.uk and equifax and both confirm that the defaults are no longer…
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Fixed term contract
Hi all, hoping for some pointers. I'm a first time buyer currently employed on a fixed term contract running until end march 2015. I'm happy that I'll get an extension or find other work beyond that, but how does that play with my ability to get a mortgage? I read that it's harder to get a mortgage with less than 12 months…
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disclosure of use of overdraft
Hi, we are looking to borrow nearly 300k at 95% LTV. At the end of Nov we'd been credit checked & an agreement in principle offered. We had to show that our personal account bank statements (the ones our respective wages go into) had not used any overdraft facility in the last 3 months, which they hadn't. We then paid our…
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Mortgage transfer
Evening all.. Just spoken to my mortgage providers regarding my mortgage where the fixed rate ends in 2 weeks.. They have offered the following... 2 years 2.49 fixed £880 3 years 2.69 fixed £894 5 years 3.29 fixed £939 None have fees to take them up... What do you reckon?? What would you do.. I am thinking the 5 year…
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Can you swap names on a mortgage?
Hi, I've been looking to buy a property from overseas for about £50k (there's plenty in my hometown). However when I started applying for a mortgage as an expat they said the smallest property price would be £75-100k. I don't want to get something that big just because I'l be home soon and would like to come home mortgage…
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First Direct credit check for AIP?
Does First Direct do a credit check before issuing an AIP? And if so would this prejudice an application with another lender if we change our minds? Thanks in advance!
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DMP and my mortgage
I have a mortgage with Santander 75% LTV on my house bought in 2009. About 3 years ago I entered into a DMP with Harrington Brooks on the advice of a friend (I regret this now as I'm pretty sure I could have just sorted it all out myself but it seemed a good idea at the time). So as it stands my credit file probably looks…
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Can someone help me with redemption figure please!!!
Hi guys, Just filing all the paperwork from our recent house sale and I am probably being stupid but I'm awfully confused...... mortgage statement received for period 1/10/2012 to 30/9/2013 balance outstanding at 30/9/2013 £89075.07 discharge of mortgage £160.00 total payable as at 30/9/2013 £89,235.07 Our solicitor…
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Mortgage Renewal via a Broker
Forgive me, as my knowledge of mortgages is not particularly strong, and this is the first time I've had to renew. The Story So Far My girlfriend and I bought a flat in April 2012 on the First Buy Scheme (5% deposit, 20% equity loan, 75% mortgage). We used Mortgages First to arrange the mortgage, who provided an excellent…
