-
5yr fixed 300k 85%LTV Best Buys?
Morning all, I'm sorry if there are threads with this detail contained within; I don't come here often but I am having a scroll through now. In the meantime, I've been hammering the comparison sites and making up spreadsheets that compare mortgages for the following status: Property 350k Deposit 53k LTV 85% 2,3 or 5 year…
-
Bankruptcy forfeiture clause
Hi I am trying to buy the remaining shares in my house,i was told by the solicitor yesterday that they were unable to carry on due to this bankruptcy forfeiture clause,then the mortgage advisor told me that the house should never have been sold to me with this clause in place and I can't even sell the house,i was told to…
-
Natwest application complaint
My girlfriend and I applied for a 95% mortgage with natwest in November last year. after the agreement in principle the offer was withdrawn due to a problem against my name. My credit history was excellent so when I was told this I was shocked and pretty worried. We had already had a offer accepted on a house so feared we…
-
Using DeLinked NRAM unsecured loan cash as a deposit
My first post so please be gentle. Basically we have sold our house 118k left as Mortgage 5k left as unsecured loan. We have sold for 125k and currently renting but would like to get back on the property ladder soon. My question is how feasible is it given the Current climate to hold back the 5k for the loan and put it…
-
Need to provide property details even though I haven't found a property yet?
Hi everyone, I'm hoping someone can help me with this please. Me and my fianc! have recently applied for a mortgage through a independent mortgage advisor who deals with adverse credit, He's found us a mortgage through national counties building society, Which he applied via a written application and by speaking directly…
-
Mortgage to buy parents home
Hello My parents are looking to free up some cash in their property. They are not in a position to remortgage themselves. The plan is that I buy their house and they will continue live in the property and pay rent to me. I had thought that it would be quite straight forward to get a BTL mortgage eg 25% deposit then as long…
-
Seems like Halifax only do soft searches
Hi there I have a mortgage offer from Halifax, done DIP and full application with a MA. It seems that there were no Hard credit searches done by Halifax on equifax, experian, noodle and call credit checking checking and checking but no hard search footprints whatsoever (both my partner and I) . Everything was all straight…
-
Job Offer - Can it be taken as income?
Hi all, Not sure if anyone here can help, we currently have a mortgage in which I pay and is based on my earnings, the house is worth £145k - £150k and we have £93k left to pay off. I think with all moving costs associated this would give us a deposit of around £50k for our next home which we would want to be around £200k…
-
Accidentally exceeded mortgage overpayment
Hopefully I'm worrying about nothing and it'll all be resolved in the morning (typically I discovered this 10 mins after phone lines shut for the night) but I'm hoping someone can maybe put my mind at rest in the meantime. I am allowed one overpayment per month to my Nationwide mortgage, with a max of £500 per month. I…
-
Repaying the Help To Buy equity loan
Hello I was wondering if anyone would be able to help me with confirming how the Help To Buy Equity Loan is allowed to be paid back. I purchased my house last July through the H2B scheme (new build), I am on a fixed rate mortgage for 5 years with NatWest,. My aim is to pay back the equity loan as soon as possible after the…
-
Credit file markers and mortgage application
I've cut and pasted this entry from the credit file forum as recommended by another member, apologies if you've already read. Fistly, Hello, I've been a long time lurker but this is my very first post! To give a bit of background, I got myself into a whole heap'o'trouble with money when younger to the tune of around £37k.…
-
first time buyer with default
Hi everyone Thank you in advance for reading my thread :) I am basically looking for some advice. My husband and I are looking to get our first property and have battled through to raise the 10% deposit required. We went to finally get a mortgage but got declined due to a default on my husbands credit file. We're going to…
-
Looking to extend mortgage term with woolwich why so hard ?
Hi we are looking to extend our mortgage by ten years but I have waited two weeks for a form to arrive to apply to do this and they want to know the ins and outs of a ducks !!! why I am looking to extend not shorten why do they need to check our income I don't get it? Any ideas tia
-
Stuck in two bed forever
Will we be stuck in our two bed forever. We found what we thought was the perfect forever house. House is £200k and we planned to put 15% down. We have been told by a couple of brokers that we need 20% for a new build, is this correct? We do have some more funds but these are needed for flooring, fully tiling rooms, etc,…
-
Halifax - What has gone wrong?
I am trying to buy a bigger house and as I already have a Halifax mortgage, I thought I would speak to them first. I have been trying on and off for two weeks now and I still can't get through to the person I need to speak to. I have tried leaving a message online only to be emailed to say they are too busy to call me back…
-
Travelling First Time Buyer (sublets)
Good Afternoon, All. I am a 25 year old Business Consultant, who currently rents a room in south London. I am looking to invest in my first home and would love some advise at a high level. I have approximately £22,000 in deposit saved, not including £2000 I have put aside for fees (solicitors etc). I have an income of…
-
Please help - Making offer with no DIP in time - Agents insisting need one first?
Hi guys, wondering if you can please help with something urgent. So we currently rent (council house), but I've been looking at buying our first home, which is not far away from were we live, which we saw advertised by Manners & Harrison estate agents. We'll be first time buyers, so quite naive to this and unsure of full…
-
Remortgaging - difficult?
Just wondered how difficult people have found it to remortgage. I have found a good rate on a HSBC mortgage which tracks the base rate plus 1.49% for the lifetime of the mortgage. This is slightly better than the mortgage I have at the moment which tracks the base rate plus 2%. To get this HSBC mortgage, I will have to…
-
Bellway (new build) possibly playing games?
Hi All, My gf is buying a new build from Bellway, and we get the feeling they are playing games. She is a first time buyer, and as she was told they specialise in new build mortgages, she decided to deal with their approved broker. Cut a long story short, the lender (Leeds) only gave a 3-month offer when the flat wouldnt…
-
HELP PLEASE - Cash Bought Property Remortgage
Hi, I am after some information if there is any experts lurking around this site. I have owned a property for 2 and a half months which I bought with cash. I have since done this property up and i'd like to remortgage it to free up some money. Does anyone know of any lenders who would remortgage a fully paid for property…
