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Mortgages & endowments
Archives for June 2014
Discussion List
Idiot Needs Mortgae Advice
Me and My Partner are splitting up and hopefully he as agreed to let me buy him out . We have a tracker Mortgage on a Part Buy Part rent Flat which is for £75,000 think we have equity of 14,000 so need to pay him approx £7000 plus money for furniture etc . Would you get a remortage to cut costs on valuation or would you…
FTB, very small gambling transactions on statement..cause for concern?
Hi. Long and short, having gained an AIP from nationwide and provided documentation, they've asked for a single bank statement from my wife and I each. My issue is the last full statement for me has four transactions, amounting to less than 2% of our combined take-home pay (and just over 3% of my personal take-home), to…
Will statute barred debt prevent mortgage?
Not intending applying for a mortgage yet as currently saving for a deposit but it crossed my mind that my husband has some old statute barred debt that he buried his head in the sand about, no longer showing on his credit file (any version) with MBNA and Cahoot (which I think is santander). Is this going to completely eff…
Help to Buy - QickQu.
Hello, I had a quick question regarding help to buy (but it may also applicable to wider mortgages). I was planning to purchase a property in the coming weeks, brand new (still in progress) with the expected build date to be completed in December this year. My question is that I have a safe and secure job with an…
Should I trust my mortgage broker ?
Should I trust my mortgage broker? Hello, it has come to the point where I am beginning to distrust the validity of my mortgage broker’s advice and would appreciate advice from people who are more familiar with the process to validate his guidance. The reason for getting a broker was to get the best deal and reduce some of…
Mortgage pulled day before exchange ...mine entry !
We have a mortgage offer from the Halifax , all was going well and should have exchanged contracts on friday. Phone call from solicitors on Tuesday to say offer withdrawn because there is a mine entry within 20 metres of the property. We have lived here for 6 years and are buying from our landlord who apparently didn't…
Do we stand a chance with defaults and CCJ
I am looking for a bit of advice. My wife and I are looking to buy the property we are currently renting in 18 months. At the moment we haven't got the best credit. I have 1 default of £330 and a CCJ of £100. Both of these will be settled at the end of this month and I am looking to make a clean start to put my credit…
Mortage worry! House offer accepted.
Hello everyone. My girlfriend and i have just had an offer accepted on our first house and the estate agent has said they need to see the mortgage within a week. I am self employed/ the director of my ltd company and she is a primary school teacher. My business has been established for about 1 year and 6 months and in the…
Family gifted deposit
Good morning All I wondered if anyone could offer some advice? My brother is gifting me a large amount of deposit towards the purchase of a House, What are the procedure to pay the money, does he pay the money to my Account and I transfer from account to Solicitor Account or He transfer from his Account directly to the…
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