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Complicated First Time Buyer Query - any advice appreciated
Hi All, This is my first post - i thought i would sign up to look for advice on my complicated mortgate situation, as follows: When i was 18 (now 27), my father was going through a messy divorce and as such, in order to save his house, i was asked to sign on to the deeds of the house and the mortgage (he needed two people…
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Remortgage-bad credit
Hi Guys hope someone can help or give advice. My mortgage is with Acenden for 41k and I pay 320 a month I have a secured loan on the property for 27k and I pay 450 per month (this has arrears on which im paying 50 a month back)...on my Noddle report this shows as a late payment I have defaults on my Noddle report totalling…
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First Time Buyer Mortage Application Advice
Hi All, I'm going to come into some money (25k). I have a credit card (10k) and a loan (10k remaining settlement) with no other savings. I want to get on the property ladder but realise I need to do something about my debt. I want to use 10k to pay of debt and keep the remaining 15k for a deposit on a house. I'm paying…
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Applying for a Mortgage with settled defaults
Hi all first time poster, I am currently trying to apply for a mortgage with only myself as the holder, although I am married with 3 children. I have a default that was settled in 2011 and one that will be settled in two weeks. I have a current credit score of 897 with Experian. I applied for a mortgage with Lloyds under…
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Need Help - changin jobs during mortgage application
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De-Linking from a Mortgage
Hi. Can anyone tell me if it is possible for me to de-link myself from a mortgage if I still have a secured loan attached to the house in my name? If so, how do i go about it? Thanks
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Mortgage decline due to financial link....with me
Facts; Girlfriend has a healthy credit score, no debt and a decent job earning about 35k and has 100k deposit to put down I have a terrible score due to years of burying head in the sand so we knew the application would be in her name only. We have no joint accounts or anything but had no choice but to enter a joint…
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Overpaying versus save for a BTL deposit
Hello Just wondered what your thoughts would be about overpaying my mortgage versus saving for another house deposit to use as a BTL deposit? I already have some S+S investments and wanted to diversify. Wondered what peoples experiences have been. Has anyone done this whilst paying their usual residential mortgage? Would…
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halifax mortgage! with late payments.
Submitted app to halifax for 90% ltv. Three late payments with santander as £3.52 over the overdraft of £50. Account paid and settled. Received AIP from halifax. Whats our chances if accepting mortgage app?
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Applying for a mortgage - without the property found....?!
So, ive been accepted by HSBC for a mortgage in principal, but i want to finish to process online to 100% gaurantee the mortgage. The stumbling block is HSBC are now asking for details of the property. I have no found a property yet, and dont want to waste my time finding one without the mortgage in place. Any way round…
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Incompetent Mortage Broker
Well it seems my MB put my app into Nat West for 90% LTV when I needed 95% LTV - my KFI reflects this. Nat West have instructed a Valuation this Friday, I have paid for this and also paid Solicitors for searches (£200 initially) Only found out tonight as I was checking a PDF of the Nat West application that MB sent me.…
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Mortgages & Endowments Important Discussions
Hi everyone It's well worth reading the discussions and successes below before you start posting. MSE.com's Mortgage Adviser Code of Conduct Report Endowment Misselling Compensation SUCCESSES Martin's View On Using Mortgage Brokers... Mortgage Exit Fees Discussion Offset Mortgages -- the Numbers
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borrow extra money on mortgage for lloyds
hi, i need help if anybody can give me advice, i got mortgage with lloyds now it is been over two years,i wanted to remortgage my house only main reason to take my ex name out of the house and borrow extra.so i booked appointment with lloyds after taking all my details mortgage advisor give me decision of refusal due to…
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Nationwide - 3 person application issue
Hello Forum Friends. I’m submitting this post in the hope that someone will be able to offer some advice on a mortgage issue that has left me perplexed. A bit of background information…back in 2012 my father passed away and my mother struggled to cope with the loss and the loneliness it brought. To help, my wife and I…
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FT Buyer V Remortgaging Property
Hi, Recently had offer accepted on property. I am in the fortunate position my Father offered to provide the money up-front on the condition I pay back 75% of the property price. For example the purchase price is £80,000 My father requires £60,000 back. Exchange of contracts are soon to take place and I've been examining…
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avoiding a mortgage penalty charge for good reason
Hello looking for some advice. We recently went to NatWest for a mortgage and we were approved until the underwriter declined us. We then went to the Abby and they have given us an amazing deal. Can I avoid a penalty charge considering the fact I am already with NatWest for my current mortgage and that another high street…
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Online bank statements....issue in waiting?
Hi all, I bank with Barclays and whilst I was originally going to be taking a mortgage with them, their recent rate offer change means I'll almost certainly be going elsewhere and thus need to provide bank statements. I, like many, opted for Online paperless statements. I can get at them in .pdf form whenever I want,…
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Valuation booked
We went through full application for our mortgage on Saturday and I've just received confirmation that our valuation has been booked. Does this mean it has gone through the underwriters and they have 'ok-ed' it?
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Mortgage Offer With Unexpected Interest Rate
I have just received my formal mortgage offer from Natwest and the rate offered is not the one that we applied for. All throughout the application process I was quoted 2.6% for a 3-year fixed based on 75% LTV, yet the mortgage offer is for 3.29%. At no point did they inform me that the rate I could expect would not be the…
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Mortgage Questions for moving home! - Can I keep same mortgage?
Hi, please could someone help me out with what may be a simple answer! Husband and myself want to move to a house with roughly the same valuation as ours, but which needs renovating. We have a mortgage at present and equity in the property. Can we switch the existing mortgage to the new property, or does it have to be paid…
