Mortgages & endowments

Archives for December 2013

Is there any chance of us getting a mortgage ?
Hi All, Me and my partner have been together for 4 years now (but have known each other for 12 years), My partner used to own a bungalow with her ex partner, who turned into a complete psychopath, She wanted to sell the property but he refused, but he didn't want the property either, refused to take his name off the…
Remortgaging preliminary thoughts
Hi all, I was on here about 15 months ago thinking about whether to come out of my NWide fix early, and decided not to do so after all the discussions about it. I'll put my couple of questions in a following post, but wanted to set out the figures I've got from the calculators on here for my own reference in future. My…
Discharge of mortgage fee
I am now in a position to pay the rest of my mortgage off and have received a redemption statement fron NRAM. Apparently I have to pay a fee of £250 if I pay my mortgage off early even though I have no tie in through my mortgage. I thought that NRAM were trying to get rid of the mortgage side of their business. I'm…
Changing the name of deeds on a property
Hi, I own a property with my old man, got married about 18 months ago and now need to remortgage under mine and my wifes name, Does anyone know the process we need to do to remove my father from the name of the property and add my wife? Regards Mark
Bad credit mortgage
Hi All, I was hoping you may be able to help. Due to some horrible life decisions (entirely my fault) a while ago, I made myself bankrupt. However, I have since managed to pull my life together and I am now discharged and the bankruptcy was 7 years ago and has been removed from my credit file. So, I was wondering if anyone…
Default Advice- Should I wait?
I've been saving to buy my first place over the past year and in the next couple of months should have enough for a 5% deposit. Had been looking at the various Help to Buy Schemes. Checked my credit report (Experian) in March and all was well- Excellent rating but checked Equifax a few weeks ago and, while still showing up…
First time buyer information
I am not sure if I am in the right forum but thought I would give it a go anyway. My wife and I want to buy a house. We both have full time jobs, have saved up deposit money (£10000). We don't know what the best option is though, do we go through a bank, an agency, a mortgage advice broker of some sort. We just not sure as…
best chance of a mortgage with own bank
Hi there I'm hoping to get a mortgage in the next few months and was just wondering if I stand a better chance if I go through my own bank (in my case Halifax) I have banked with them for nearly 30 years for both current & ISA and they can see that always stay in credt, save regularly etc etc...
First time buyers....Help
Me and my wife are looking at buying our first house and are going to view a house on Monday (after going in to enquire at the estate agents) we asked if we needed a mortgage in principle before we started viewing but they told us we can look just we wouldn't be able to put a offer in without one, does any one know a…
top up mortgage query
we moved house two years ago, kept our existing mortgage with Nationwide as it was on the BMR and also took up a 2 year fixed top-up mortgage with nationwide as well. Our topup mortgage is now coming to the end of it's fixed rate period and I am wondering whether we can solely switch this to a new deal leaving our other…
Selling house -outstanding mortgage
Hi all This may sound like a daft question but.. I'm planning on selling my house in the new year and currently have 89k (ish) outstanding on my Mortgage. Is this going be the amount I will have to repay, or will it be less as its getting paid off early through selling the house?? Ive never sold a house before so i'm not…
Given AIP from Halifax -will overdraft affect next stage?
Me and my OH have recently applied for a help to buy mortgage and have been given an AIP from halifax. Were putting in 7% and then 20% from the government giving us something like a 73% mortgage. My oh has a good credit rating and has recently cleared his credit card and loan. I also have a decent credit rating no late…
How do student loans effect mortgage applications ???
Can anyone tell me if they know how my mortgage application could be effected by the student loan I have. I'm currently paying it back bit by bit every month via my employer using the PAYE system ?
Mortgage app- advice please
Hi All, We have accepted an offer on our house and had ours accepted on the new(to us) house that we are after. In anticipation of the mortgage application I planned on clearing some small credit card debts, and when I logged in I found I was late with a payment(3 days), the statement went to my junk mail folder so I didnt…
Question regarding source of funds
Hi I have been accepted for a 25% mortgage and the bank has stated they will be requiring to see proof of source of funds, this has been built up over last 10 years saving ( I am 30 years old ) However in the last 3 months I have had transactions with a friend where he has sent me roughly 20k for a short term, this has now…
What is best for the future?
I need to decide what to do for the best and need some help please. I have a flexible interest only mortgage of £75,000 on my old family home, which I have rented out since June 2013 at £1200 per month. The current property value is approx. £320,000 and the outstanding balance is £63,000. I can make further over payments…
Renting my house out for first time
I am hoping to rent my house out and move in with OH. After enquiring with my mortgage company (Lloyds), I was surprised to learn that my repayments would go up from £346 to £475 per month, basically negating any monthly profit I would make. My partner wants me to carry on with this as I'll still own the house and the…
Advise please on default - Update and success!!
Hi all, hope someone can advise. I am about to apply for a mortgage - we had a horrendous couple of years in 2011/12, racked up some arrangements to pay, and some late payments. However, apart from a stupid underpayment of £5 on a card last year in Jan and Feb, I am now clear for almost 12 months. Everything is up to date,…
Not sure I will ever afford a home.
I have looked into how much houses around here cost and even those that are small and in not so safe areas are pretty pricey compared to what I earn. I was working on the theory that I would get maybe 3 times my income as a mortgage which wouldn't really be enough to buy anywhere as I earn just over £16000 a year. Is it…
Mortgage After Seperation
My wife and I are currently in the process of separating. Everything has been quite amicable, but I have a head ache with the sheer logistics of it all. We have decided I will retain the house, and this will remain the children s main home. The mortgage is currently in our joint names, and I have spoken to our mortgage…

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