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Mortgages & endowments

Archives for June 2014

Statement of Truth / Statutory Declaration
Hi, Has anyone got any experience of the wording involved in compiling a Statement of Truth / Statutory Declaration in regards to complying with a Form B restriction on a title when re-mortgaging? We've basically got a restriction on our title which refers to a Declaration of Trust created when my partner and i bought our…
Received our mortgage offer, is there anything else that could go wrong???
We got our DIP, offered on a house, accepted, applied for our mortgage, we received mortgage offer this morning. Now, is there any WAY at all that we could lose the property? We have to hand in our 30 day notice to our landlord and I'm a little worried since we wont actually get the keys until 15th August
Going from residential to buy to let mortgage - advice
Hello all In the next 6 months or so I'm planning on changing mortgage and could do with some advice on any problems I might face. A summary of the circumstances are as follows: I currently jointly own a property with a family member on a residential mortgage. Said family member plans to move out and buy a property by…
Halifax Remortgage - Valuation to Funds
Can anyone tell us how long it usually takes from a valuation to having the funds in our account for a remortgage with the Halifax? Our builders are pushing to start work. Many thanks.
Mortgage & IVA/Trust Deed
Hi I was hoping someone might be able to give me some advice. My trust deed ended in 2008 and there is no trace of it on my experian credit file. I am keen on getting a mortgage and have a good income as well as a small deposit. Can anyone shed any light on if this will be possible and whats the best process for me to go…
Nationwide delays...
Had a hell of a bumpy ride since deciding to go with nationwide, still waiting on our AIP!!! Here's the timeline to far: 16/6/14 - Broker applies for AIP - decision referred (not sure why) 19/6/14 - 3mths bank statements, pay slips supplied 23/6/14 - Ask for update - Broker calls told Nationwide are behind, could take 48h…
National average expenditure in MMR
Hi Can anyone tell me what they consider the average outgoings for a single person in wales is. My broker has said that full expenditure won't be used as they use a national average. thanks
Gettig a mortgage with unfair arrears from orange
Hi, I have also posted this on the credit file forum for some advice on how to get rid of the unfair arrears marks! But as I have little hope in orange doing anything of use, at least not anytime soon I am posting here! I had an orange contract between 2008-10 which I had numerous problems with, orange over charging me for…
Increase in hours - will it be accepted?
Hi, We're very close to the mortgage affordability limits on a property we're looking to buy. My wife works for the NHS on a salary of £47k pa but currently works 22.5 hours a week part time so earns £28.5k. She's been considering increasing her hours anyway to 30 hours per week and this will really help our affordability.…
outsider perspective, ideas and feedback
My partner and I own are our own home with a mortgage it is currently worth around 120k and the outstanding mortgage is 86k. We have had this mortgage for 4 years. As we now have a little one (and a dog!) we have very much outgrown our small newbuild. But here is the problem... borrowing enough to move as our current…
Natwest
Hi Guys am looking to remortgage with debt con and natwest are looking favourable at 57% ltv. I wonder if anyone has any recent experience and wondered if it was straightforward and how long it took! Many thanks Kelly
Can you secure a mortgage before your house sale
Hi all, said it all in the title really but never been in this situation before, can you secure a mortgage for a new house whilst your current house is on the market unsold with no offers, or do you have to have an offer before proceeding, even if the money you would receive from the house sale isn't being used as you…
Commercial mortgage gripes!
We're in the process of re-mortgaging our commercial property which we own outright. It's worth around £400k, and we're asking for £150k, so less than 40% LTV. Via our broker and a Barclays business manager, we've *verbally* been given an offer at 4% above base... Great! BUT: Now Barclays are insisting we open a business…
How do I get a mortgage after a 'bridging' loan?
I'm not sure if it is a bridging loan, but here's the situation; I sold my old place last September, which had a mortgage with Halifax. I found a new place, and arranged a new Mortgage, again with Halifax. It was all completely normal, complete on both same day, all payments ready to go etc. Just before we were due to…
Dmp and remortgage
Hi , I was wondering if anyone knows if I can remortgage whilst on a dmp ? I was hurt at work 8 years ago and couldn't work for 3 years . We have never missed a mortgage or council tax payment but had to go on a dmp for credit card and loan payments ,and have been on this for 5 years . I am currently on a 6% mortgage rate…
Sticky situation with an ex
I left the house I had with an ex nearly five years ago; we had a 125% mortgage with northern rock. He added his loan to it (17K left). My ex was renting the house out but I had no idea what the situation was because I had no contact with him (he never answers' or replies) the mortgage came from his account......until I…
Nationwide overpayment - reduce monthly payments
Found the answer ! Lol
Mortgage advice in Newcastle?
Can anyone recommend a mortgage broker we can have a face to face chat with in Newcastle upon Tyne? We have quite a complex situation as my husband owns his own business and we just want to find out if securing a mortgage under these circumstances is even possible.
Mortgage advice - ditch or not?
Hi all I am currently with Halifax on a fixed deal which ends this November. They sent a letter through the post advising us we would automatically go onto their svr (currently 3.99%) but could switch to one of their other deals if wanted. We are in a dmp with many years left to run - can we switch to another deal with…
Bit of a complicated situation with brother and mother
Hi, So I just posted this in the housing section: So my question is more towards are there any problems issues with the mortgage options I have stated there? My mothers pension is around £980 a month and as I said she has been told that a mortgage can only be done on her pension, is this the case even though she is…

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