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Mortgage and deed query
Hello not sure if I'm in the right place but heres my situation.. A friend of mine has a family relative on his mortgage as well as himself, now can the relative force my friend to sell the property. The relative has no records of ever paying the mortgage. Please advise Thanks.
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Has anyone had a commercial mortgage with Clydesdale ?
Anyone had a commercial mortgage with Clydesdale or Yorkshire bank ?
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Confused dot com - *Help* Mortgage eligibility calculators working??
Really confused about the banks online mortgage eligibility calculators and wondered if I’m doing something wrong and would love some advice. My wife and I are 2nd time buyers in our early 30’s here are the hard facts: *2011* -We purchased a house for £330,000k –Greater London -10% deposit paid into it –(£33k).So the…
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Getting a mortgage when an elderly person will be living in property
Hi all, can anybody offer some advice? My sister in law was planning to buy her grandmas house off her but allow her to stay with them in order to care for her. But she has been told by her bank that they won't be able to get a mortgage through them as if they were to default on it then they couldn't evict an elderly…
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Joint applicants for mortgage
For a homeowner's mortgage (or sometimes called equity withdrawal), is it possible to add an applicant to the mortgage application who does not own the house to be mortgaged? This would primarily be for income reasons but without the limitations of a guarantor mortgage. NB/ For unrelated reasons, it isn't possible at the…
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Boom
well got a phone call yesterday at 2, it was only our broker telling us the mortgage had been approved! Poor mark think his ears may have bled from my scream! it's subject to the survey but he is confident that it will be fine. he said the surveyor would ring but it might be a while, phone rang an hour later, survey booked…
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First time buyer mortgage with default
Hello, I'm looking to buy my first house and gain a residential mortgage! I have a default of £23 on my credit rating which only allows me to get mortgages that require a 25%deposit! At a push, calculating in all other costs related to buying a house I can only afford about 20%. Would getting a joint mortgage with my mum…
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Mortgage advice needed
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London & country DIP
Hello all First time buyer here, After a 20 minute chat with an advisor from L&C I have received via email a decision in principal. The only details I disclosed were net earnings, credit commitments and outgoings aswel as the amount we are looking to borrow and what kind of deposit we have. No credit check was carried out…
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Halifax Overpayment - Won't Reduce Term
Hi all, I purchased a house for 90k in Dec 2012 and put down a 15% deposit. Halifax gave me a mortgage for the rest at 4.64% (two year fix) over 30 years. Done on my income only - mrs income varies too much and has some old CCJS hanging around her file - all paid and closed now. I earn about £28k with over £4k in mileage…
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nationwide problems with deposit
Hi, I am a FTB showing deposit from abroad and the bank cant accept it and asked for sources of that deposit so we provided proofs and sources by supporting bank statements and now they come back saying they cant even accept it as it is a non uk bank...showed them evidence of bank statement from a uk international bank…
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HSBC Policy for Self Employed
Hi All, Looking to remortgage to HSBC, currently OH and I have banked with them for 20 years, I know this doesn't mean much these days but we are known to them. My question is, I am employed full time in my current role for several years and will am the main income provider. Using the HSBC website how much can I borrow…
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Low valuation - lose booking fee?
Apologies if something similar has come up, I had a look but I'm a newbie and might have missed something! I'm currently banging my head against a brick wall with HSBC. I applied online for a mortgage that required a £1999 booking fee (!). The survey came back with more issues than we expected, and a valuation well below…
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Maternity leave and evidence requirements
Hi all Would be grateful for your advice. My wife and I are applying for a remortgage with Santander, however the have rejected the application on the basis that there is insufficient evidence of my wife's future earnings. My wife is on maternity leave, returning to work in January 2015. We are considering that she may go…
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Buy to Let Mortgage Protection Insurance.
Hi Have a buy to let mortgage and was wondering if its possible to take out Mortgage protection insurance for this type of loan or would I be better thinking about Income protection? Thanks
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Buying First House
Hi. Hoping someone could settle my anxieties. I've got a mortgage promise from the Halifax and had an offer accepted on a house, I'm planning on borrowing 113k on a 5% deposit 2 year fixed deal. Got word that the surveyor has been instructed and that should be complete within a few days. I'm doing this alone so obviously…
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Remortgage
When you re-mortgage with the same Bank with no extra borrowing (just a case of 5 year deal coming to end and swapping for a new deal), is it a straight swap on to the new rate or do you have to provide extra information etc?
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Bank statements help
Hi All, I've been reading for a while but first time actually using the forum. Basically, I am looking to hopefully attain a mortgage for the first time. I have a good credit score from the online checks I have done. I have spoken to an advisor for an initial meeting and have started looking at properties. My concern is…
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Nationwide error - advice please
Hi Completed full save to buy mortgage app in branch on monday which was approved. During this the advisor told us that we currently have enough saved to qualify for £500 cashback but once we transferred in the remainder of our savings prior to completion then we'd get £1000. Had a call from him today to say this was…
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Increased offer from lender if I go through broker?
Hi guys, Have a question about a bit of a pickle I'm in. I went to a high street bank and we crunched some numbers with regards to what they could lend me for a BTL based on my circumstances. The figure wasn't great, nowhere near what I need. Unfortunately this is the only lender who will accept me due to a number of…
