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Can a Mortgage be tranfered to a new property?
Hello everyone. It's a good few years since we bought our house and so are not up to date with the process. Is this a stupid question, or is it possible to transfer a mortgage deal to a new property? We have a fantastic rate and are thinking of downsizing slightly but want to keep a small loan going in case we need to do…
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Declined then accepted by same lender ???
I was just wondering why i got declined a mortgage with natwest thru a broker then the next broker i saw got us accepted with natwest??? The broker kniws we only have a 10% deposit so it can be due to a higher deposit?? Please advise Thanks
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Due for remortgage
I am currently in a fixed rate mortgage with Yorkshire Bank it is due for renewal in May of this year. We have been to speak to the bank regarding the renewal and they have informed us that after paying 6.9% interest for the past three years we are still at a 92% mortgage. The bank have said because its a 92% mortgage our…
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Advice needed on a confusing situation
Hi all, I could really do with some advice and hope this is the right place to come. I've tried to do a bit of my own research but I'm finding everything a bit confusing to be honest. I'll try to be as clear as I can re our current situation but please bear with me if it's a bit confusing! Myself and my husband are still…
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Mortgage application with underwriters... Post office... It's been a long weekend!
Hi everyone, newbie here so be gentle! We have accepted an offer on our house and have had our offer accepted on a new property. We applied online on Sunday night through the post office for a mortgage and the AIP was referred. The underwriters called me on Monday afternoon to say it had been approved subject to proof of…
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Help I need a FTB mortgage for a £42000 house
Hi, I Have been scouring the internet looking for a lender to borrow a 95% ltv first time buyer mortgage, I have a deposit of £2500 I am self employed with nearly 3yrs of accounts. I have found a house at 42000 that I really like and I have a AIP with LBS but when I go to complete the application there are no mortgages to…
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my ex has stopped paying mortgage even tho shes collecting rent and now has claimed b
my ex has stopped paying the mortgage on our property and is now claiming bankruptcy even tho shes renting out the property and collecting the rent . I have not had anything to do with it since 2009 but need this sold to get off the mortgage and i dont know what to do as shes going to stitch me up as her husband has a…
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Barclays decision in principle credit check
Hi there, can anyone advise whether a Barclays DIP leaves a footprint on your credit file, or is it just a 'soft' search? Thanks
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Husband has changed job and may cause a problem.
Hi, Could do with a little advice. Husband has changed jobs and we have placed an early bird payment on a house which won't be ready till Winter 2015/16. This would normally not be an issue but his new job is working abroad 6 weeks at a time on a self employed/contractor basis. Contract runs for 2 yrs at a time and the…
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Endowment Policy maturing but divorced
Hi I hope someone can give me some advice as I am pulling out hairs at the moment. Here is the story: I divorced in 96 and we agreed a consent order which has been sealed by the court. Part of the settlement was that I paid my ex off for an endowment and keep the policy. Silly me did not get the policy assigned to a single…
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Mortgage Santander questions
Little bit of background Husband and I are looking for our first mortgage, we have had a joint bank account with Santander for 9 years. We thought we would try them for a mortgage which I have a "telephone chat" booked in with one of their advisers on Wednesday. I had a mortgage with them from 1997 to 2014 (Ex husband…
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halifax mortgage deed
Hi we are part way in buying a house we have had our mortgage offer, i was just wondering when we have to sign the mortgage deed?
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Porting a secured loan
I am buying a new property and I have been accepted for a mortgage with halifax. I have sold my current property but I have a secured loan on it and what I wanted to know is can I port my secured loan to the new property ? Would halifax allow this ?
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Mortgage midway through new build.
Hi, I have the foundations in for a new build house and I would like to put the walls and roof on now and in a few years get a mortgage to finish the rest, a small mortgage of 40k-60k should be suffice. Is it possible to get the mortgage having already started the house or would it make it more difficult? Basically I would…
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Woolwich Mortgage - arrears or advance payments?
As title really - anyone got any insight? Thanks
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Survey time
Hi, I'm with Natwest at the survey stage, which was completed yesterday. I was informed by the seller the survey was only 20 minutes. Considering I have paid over 400 for a homebuyers report (with Natwest) do you think just the valuation has been done? I will be checking with my MB, but from other peoples experiences how…
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Are we likely to get a mortgage?
Please could I get your opinion on whether this is likely to be accepted? House is £270k. I earn £47k, husband earns £20k. Permanent contracts, not in trial period. We can put down £27k deposit and have enough left over for the stamp duty, legal fees, survey, etc. No other expenses besides food, council tax, and petrol. We…
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Could someone please clarify why my friend on a FTC can't get a mortgage ?
I work with a really nice guy. He is married and has a young family. He is currently staying with his in-laws rent free and has managed to save a large deposit. Unfortunately, he is on a Fixed-term contract and his wife is agency staff with the NHS. He will soon be on his current FTC for over 2 years ! The problem is that…
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Natwest Mortgage FTB
Hi guys, I'm a Newbie so bear with me. My Partner & I have recently applied for a Natwest mortgage through a MA. Our MA has asked to meet us on Tues to sign some paperwork. We have already supplied him with 3 x bank stats & payslips etc. We were a little confused as to what stage our application is at so messaged our…
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Mortgage with defaults?
Hi I am new to the forum and have been advised to come here as you are a lovely bunch: ) . I arranged a Mortgage in Principle last October and have since been looking for houses. Found one. In the meantime I have been 'tracked' down by a current account that I didn't know I had still. I thought it had been closed in 2006.…
