-
PPI Claim with NIS Finance HELP
Hi does anyone know how to claim back ppi from a company called NIS Finance its was a car loan, i have been trying to find any information on this company online but cant find anything. I have called my bank and they give me the reference number for the direct debit that was taken out each month with a company called NIS…
-
BoE view on future rates
Useful article here on the BBC in reference to future rate rises. http://www.bbc.co.uk/news/business-28053045 If Mark Carney believes 2.5% is the new 5% then that is going to be very very good news. And it also looks like that is some way off by mentioning 2017.
-
HTB & Mortgage - correct sequence?
Hi, We are currently waiting on our DIP from Nationwide (was referred) but FA tells us Nationwide are experiencing 48-72h delays at present. We have found the newbuild house we want, and paid the reservation fee. Can we go ahead and apply for the HTB equity loan without the DIP, so that when (fingers crossed) the DIP comes…
-
Nationwide - switching deal - good experience
Well after reading about mixed responses to the MMR by different institutions for switching at the end of a deal I thought I would give an outline of my experience as it may assist some. My deal ends at the end of October but lovely Nationwide allow you to switch within the last three months with NO trigger of the early…
-
To Mortgage Advisor or people with recent experience - quick thought check please?
I have posted previously but no replies, I feel my questions weren't organised well enough. Additionally apologies if this seems like spamming. Background House Price - £201,500 (offer accepted, have got a DIP for £170k from Nationwide which is 2 months old, got it using a broker before the changes I think) Deposit -…
-
Halifax refusing to put me on new product
I am having problems with the Halifax constantly moving the goal posts re my getting onto a new product since the last one expired in February. In January, they sent me a letter warning me that my product was about to expire and inviting me to call them to discuss getting on a new one. So I called and arranged to go on a 2…
-
Probably a very silly question!!
Morning guys... Happy Saturday. I recieved my mortgage offer through a while ago and have just re-read through it all (pretty anal like that) and I've just noticed a section where it states "upon mortgage advance being sent this will be done by chaps which incurs a £30.00 charge and will need 48 hours notice from your…
-
New Job
Hi All Our plan had always been to apply for a mortgage towards the end of this year. We have worked really hard to pay down all our debts and are now very close to where we need to be. However, a job opportunity has come up which is closer to home and pays more. Would me getting a new job prevent a mortgage approval? If…
-
clydesdale wont make a formal mortagage offer till I exchange contracts
Hi everyone, I applied for a clydesdale mortgage on the 3rd of June. Credit check passed, addordability check passed, valuation completed this Monday and the results are satisfactory. Clydesdale however do not want to make a formal offer and asked me for my expected completion date which is beginning of september. When I…
-
Self Employed Mortgage Help
I am going to be applying for a mortgage in the near future I am getting paperwork, accounts etc ready for the process. However - I currently am a sole trader and my husband works in the business as an PAYE employee. We have payslips etc for my husband which is fine, however what will i be asked for apart from the accounts…
-
Mortgage w/ student loan
Hi all - looking for someone who could help clarify what is the better option for me at the moment with some maths... I'm about to enter the world of mortgages, and have a student loan remaining of £8500. My mortgage will be at 2.49% (initially) and the student loan is at 1.5% at the moment. My student loan payment is made…
-
Buy to Let
Hi guys . I have two properties. The one I live in and is mortgage free (95k) and a property I started to do up before out marital split. I paid 95k and have 74k left on mortgage. When this property is finished it will be 2 x 1 bed flats yielding £400 a month each. The estate agent said I could ask around £140 k if I sell…
-
Couple of questions
Hi guys - couple of FTB questions if anyone could lend an ear that would be much appreciated. 1) Is it worth saving for 25% deposit rather than 20+%? We're looking at houses around 170k so 42.5k deposit for 25% which on top market deals from comparison sites shows inital rate 2.68% then SRV 4.49% (3 year fixed), however if…
-
Policy matured - how to find the ex?
Hi there, Looking for some general advice. My wife and her ex took out an endowment 20 years ago. It has now matured. He agreed that she would get all the proceeds, but the Life company want a form signed by him to that effect. She eventually tracked him down to his workplace, but can't raise him by phone and his premises…
-
Mortgage approved, now what?
My husband's mortgage has been approved today - he just needs to send in one more piece of evidence which he's going to do this evening (scan and email). He's got another appointment at the bank (HSBC) on Wednesday - what will they go through at this point? And will the bank request a surveyor look at the property now, or…
-
case manager job
Hey guys I've got a a job interview for a case manager working for a of a bank. Basically checking documents relating to mortgage applications. So brokers probs contact me or customers. I've not done anything like this before. But I have a telephone role play to do at the assessment centre. I don't know what to expect.…
-
Amazing Virgin money decision
Anyone had a problem similar to ours? My wife and I, both in full time employment and 52 and 43 respectively, have exactly 4 years remaining on our Virgin (previously Northern Rock) repayment mortgage. Our current balance stands at £31,600. Our current deal has just ended and we applied for additional funds of £8,400,…
-
"help to buy schemes" too good to be true?
I can't get my head round the governments help to buy scheme, they seem too good to be true? Has anyone bought a house through one of theses schemes? If so can you tell me a bit about your circumstances or experience please. thanks all
-
FTB with debt
Hi all, Looking for some advice please. Me and my partner have a joint income of £43,000 and we are hoping to buy my boyfriends parents house from them next October, we have been renting it from them for the last 4 years as they moved away. They are now looking to move abroad in Oct 2015 and would like to sell it to us as…
-
Mortgage & Credit score
Hello, I am in need of some advice and help but my story is quite long... 6 weeks ago i purchased a £22,000 car, using a £15,000 loan from nationwide and trading in my old car for the rest. 2 weeks ago i received some news which means me and my girlfriend will have to move out of our parents houses and buy our own place!…
