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Remortgage - Halifax Valuation
Hi all, We are applying for a remortgage with Halifax and a we have some buy to let's and are capital raising for an extension to the house have used London and Country. Our mortgage is currently with Nationwide and they would not send out a valuer and based the value on their house price index, we bought the house for a…
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Advice re possibility of Mortgage
Hi My self and my partner are getting married later this year and next year we have decided to purchase our first home together, my other half is currently on Maternity leave which end in November of this year hence waiting until next year to start looking once she goes back to work She owns a Flat that she bought around 5…
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Do I need a deposit?
Hi, I don't know if this is the right forum for this query but here goes. My partner and I are looking to move house next year, my partner is a widow and as a result of her late husbands insurance there is currently no mortgage on her property which is worth just over £200,000. We would like to move next year so that we…
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Fixed ended- Nationwide won't value property for refix
Hi all, Apologies if this is dead simple or indeed has been covered at length already. As title suggests my fixed term deal has ended and we are interested in refixing before the rates rise. We have had our loft converted increasing the value of the property. This would push us into the 60% and below LTV bracket if taken…
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2 defaults and mortgage?
Hi, I am planing to take out mortgage using Help to Buy scheme and 5% deposit. I have at this moment £12k and would like to buy a house for up to £140k. I've seen mortgage advisor and started to completing all paperwork. Unfortunately I found out I have 2 defaults and both from this year :eek: Both are marked "1" on me…
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Large Deposit + good affordability and no credit history last 2 years
Hi, I am trying to get a mortgage and has been rejected by HSBC(soft check DIP passed) due to hard credit check fail without explanation of the reason I have following situation: positives. No breaks in employment for 6 years(been with current company for 14 months). 85K savings Borrowing ratio of 3.2 salaries with 20%…
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To buy... or not to buy?
Hey guys, I would really appreciate some advice here since I've been racking my brain and spending late nights reading about this, trying to come to a conclusion. I'm 24 years old. I've been working for around a year. I earn quite well for my age, especially for my first job. I love my company and enjoy my job, and intend…
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Do banks give better deals if your with them?
Interested in knowing if there are deals banks offer exclusively to customers that isn't already on their website.
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Japanese knotweed - will a treatment plan help get a mortgage?
Hi everyone, Apologies if this has been asked before, but I couldn't find it. We'd like to sell our house. BUT there is some vigorous knotweed on the land next door - up to our boundary - about 10 ft from our house. It's never spread on to our ground, and there are no signs of any damage, but I know this will make it…
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Virgin money mortgage
HI All!! First post - here goes! Was wondering if anybody is having problems with Virgin money at the mo? - full ap sent off several days ago - now being told that there has been a technical glitch and although they can see my ap on the system it has to be manually pulled through? Not sure what this actually means, however…
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independant mortgage advisor or straight to banks etc
hi any good recommendations, i have spoken with london and country from here but wondered if going to a local broker may be a good thing to do? any cracking deals for 80 to 85% LTV mortgages?
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junction improvements and affect on mortgage offer
Hi all hope you're all happy and well Im looking for some advice our local search has revealed that there is a proposal for junction improvements at the end of the road well aprox 194 meters away from the house we are due to complete on 27th of june and our solicitor has reffered this to our mortgage provider. As our…
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remortgage with Transfer of equity
Hello. I'm in the process of looking at remortgaging. When doing do i will be needing a transfer of equity to switch ownership into my sole ownership (hopefully with no resistance). What i was wondering is how exactly does this process work and how am i best doing it? For example, a lot of lenders offer a free legal…
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Remortgage question
Hi, I have recently completed renovations to my home and have funded a portion of this through a loan. I am after opinions and advice on whether it would be better to remortgage and pay off the (no penalty) loans, which I expect to be an 85% LTV mortgage, or, remortgage to a 65% LTV (potentially 60% depending on new value…
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Consent to Let & Selling Property
I'm about to ask my lender if I can have consent to let out my property. However I currently have the property for sale but there is no interest and paying a full mortgage, council tax and unoccupied insurance on an empty house is draining me financially. I understand that I have to be considering moving back in the…
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FTB - advice needed
Afternoon all Having read through many of the threads on this forum I can see that there are lots of knowledgeable people on here and I'm hoping someone can help. My partner and I are first time buyers living with her parents. We are both employed full time on permanent contracts. Our combined gross salary is £30,540 pa…
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Cheltenham & Gloucester Email Address
Hi, I wonder if anyone can help me, I am looking for an email address for Cheltenham & Gloucester Mortgage dept. I am overseas at the moment and I can't spend another night on hold from Australia to talk to them about my UK mortgage. I have done a search on their website and have drawn a blank. Thanks in advance, Chris
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Moving home problem
I currently have a mortgage that I am going to port to my new home, everything is good to go and we are looking to exchange contracts this week. Problem, my onward purchase is not ready (it still might be OK but I'm starting to worry). To get my sale to go through I am looking to separate out the sale and purchase, and can…
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selling a unit linked endowment
Help I need to raise some money as i am seperating from my husband I have a unit linked endowment which I would like to consider selling on I tried using the ma service but the agent I was put in touch with dont buy unit linked I dont even know what this is ! The company I bought it from has made me an offer but I hear…
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Brother & wife sick with worry
Hello everyone I'm tryng to help my brother and his wife but really I'm no expert when it comes to mortgages. This is the problem (forgive me if I don't have all the details): They are both 65. Both had cancer scares over the last two years and it's taken it's toll. Now both just working part time (both have state pensions…
