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Nationwide - Gift Hamper on Moving in Day?
Hi, My friends recently moved into their new home with a nationwide mortgage and on the day they were moving in a courier turned up with a gift hamper for them full of things like milk, tea bags, fruit etc. a really nice touch! Has anyone else had this or is it because they were 'special' customers? They did have a big…
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Additional borrowing, how does it work?
We are currently 1 year into a 5 year fixed deal with Britannia and would like to take additional borrowing to build above our garage, Britannia said we have to take a min offer of 5 years, why I don't know as their website has other offers (she never took our details so can't be reasons specific to us) Anyway, if we take…
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Halifax Mortgage application and wage slips
Hi there Was hoping to get some advice and reassurance from anyone who has applied / received a mortgage offer or completed a purchase on a halifax mortgage in the last 4 months. We have received an AIP with them and about to do a formal mortgage application tomorrow. Our MA said that they do a soft search on you to give…
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Help! Mortgage failed to complete today for the 2nd time!
Absolutely distraught today - our lender failed to transfer the funds on time today at our second attempt: :mad: 1st time - surveyor submitted his report 8 days post valuation and had incorrectly completed the "distress purchase" valuation which is usually used for commercial purchases only. This was only picked up too…
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Transcript of home report?
Hello, Natwest have said we have passed the credit stage on our mortgage application but now they've asked for proof of our deposit (which is fine) but also there getting the transcript of our home report ? We're in Scotland so don't need a survey! What does this mean? MA says we might not get official offer until end of…
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Halifax mortgage
Ive got an appointment with halifax for a dip. Now we got one last year through a mortgage broker with halifax but the purchase didnt go ahead. Once we have the dip and halifax ask for the valuation fee because the offer has been accepted is there still a possibility the mortgage could still be declined? She assured me on…
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what could these 'final checks' be? (nationwide htb)
hi all on Friday NW queried my work address as id put down the payroll one which is in Birmingham and I live in S Wales (I think they feared I was commuting to Bham). Broker submitted my actual address Fri afternoon and apparently it can take up to 48h to come back. val came back fine on monday. Broker chased on Weds, 2…
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Offer on property above commercial shop
Hi guys, I'm currently having issues with the following situation, took out a mortgage in principle with halifax and made an offer on a property, it is above a commercial shop (not a bar, pub, cafe etc) anyway the offer was rejected and the EA in insisted on speaking to my advisor at halifax to check if they would lend to…
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Declaring on sole mortgage
Edit: title missing the word 'dependents'. An excellent start >_< We're an unmarried couple with a 1 year old. Current mortgage is in boyfriend's name only - I have a poor credit history that i'm working on clearing. We both work. We have completely separate finances & accounts. He earns significantly more than me & pays…
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Income Protection or Life Insurance?
Hi, Just spoke to the EA and she asked if I had sorted my income protection as if it was some sort of requirement? I assume its not as it was never mentioned before? But anyway, whats the different between income protection and life insurance (mortgage only), is it purely IP will pay monthly during illness and LI is just…
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Informal survey - DAMP problems.
Well, a highly qualified surveying friend of mine joined me for the second viewing of a garden apartment...and the evidence of damp problems that my wife and I though we saw 5 days ago were confirmed by him. The apartment was on sale for 250k in warwickshire, 2 bedrooms and a lovely garden, but our friend has suggested…
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Re-mortgage while rates low?
We will be in the lucky position to pay off our mortage in july when our current mortgage tie-in finishes. We always looked forward to being mortgage free, but I'm now thinking about taking advantage of low rates before they go up, with some pretty good long-term fixes about. I'm wondering if it is possible to re-mortgage…
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Paying off half a joint mortgage
Hi, I have a joint mortgage with my partner and am in the position where I have enough cash to pay off my half. I'm thinking this might be a better move than keeping the money in savings. OK, I know there's such thing as "my half" as I'll still be liable for the other half of the mortgage should the debt end up going bad.…
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Securitisation Clause ?
Where a bank reserves the right to securitise a mortgage (ie, sell on to another investor at their discretion), what are the implictions to borrowers? is this a commom clause in mortgages?
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Large Deposit - Small Mortgage?
Hi there We are looking to move house, and currently own our house with no mortgage (approx value £195k) we also have £194k in savings giving us £389k to buy a new house with. Taking into consideration stamp duty, estate agent fees, solictors fee (buying and selling) and removal fees this gives us little or no room for…
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Mortgage Lenders for Discharged Bankrupts
Hello all! Myself and my wife are looking for a list of mortgage lenders who are happy to deal with a discharged bankrupt (myself). I have been discharged for nearly 7 years. We both now have good credit files and with good salaries and a decent deposit we are looking for some help. We have a DIP from Skipton's but would…
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Basement\Garden apartments - Mortgage conditions
Hey all Another post from me, sorry for the saturation these past 2 days. Has anyone had mortgage conditions attached to getting a garden\basement apartment, specifically to do with DAMP guarantees? We are ready to get surveyors and valuation'ers in assuming our offer is accepted, and I'm wondering what sort of…
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Mortage broker v do it your self
I'm confused about going with a broker or Aldo it your self . If lenders has said after hearing your outgoings and in goings They don't think they can help. And a broker recommends that lender who you went directly too. (( no credit checks where done what is ever) My question is: Can a broker get you that mortgage? There…
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Anyone recently completed a Kensington Mortgage?
Good morning all, My wife and I each have a default that was registered in 2009 with RBS. They are almost paid off in full. We are looking at getting a mortgage and our broker (L&C) have recommended The Kensington. I can see that they have an awful reputation with moving goal posts and asking for all sorts of documentation…
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Mortgage advice for Ltd company director?
We are looking to apply for our first mortgage after having found a property. My SO is in full-time employment, I am a director of a Ltd company (over 25% shareholding). We've contacted a couple of lenders and consistently been told that without 2 year's accounts my income won't be considered. The business started 4 years…
