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Mortgages & endowments
Archives for July 2014
Discussion List
Change of circumstances
I am in the process of buying a new house, the searches and survey are being done at the moment - however, I have just found out today that I am getting an unexpected pay rise. Should I be telling the mortgage company or is it irrelevant? It said during the application process to notify them if my wages change but I wasn't…
Old debt management plan and getting a mortgage?!?
Hi, I went into a debt management plan and was in it for 22 months and paid my last payment in December 2013. I know that this will stay on my credit report for 6+ years but what are my chances of getting a mortgage with this on my file? My partner and I are getting married in October and I am hoping to get the ball…
Is there any reason to be worried. Final stages, small problem!
Hi all, i am coming to the final stages of completing on my first mortgage. Everything was going nice and smooth until our solicitor noticed that there had been a flood risk put in place for the surrounding area. This is due to new regulation put in place in 2013 to highlight Surface Water Risk Areas. We have been able to…
Intent to reside
Has any one had any experience of this being requested? Our situation is that I currently live and work in Berkshire, but hubby & I are originally from Gloucestershire (as our families are). Hubby is in the army, and we have decided to put down some roots in Gloucestershire by buying a house there. My work have agreed to…
Repossession - Title with no charge
Hi First time poster looking for some advice. We are currently going through a repossession on our property with HBOS. The property is made up of three separate titles. When we remortgaged in 2011 the solicitors some how made a complex horlicks of it and have only applied the mortgage to 2 out of the 3 titles. The title…
Survey Question/Conflict...
Hi My partner and I are in the process of buying a house and had the lender's valuation survey come back and say that they are happy with the house and value it at the price we offered (£250k). However, there were a few recommendations, including getting a surveyor to check the removed chimney stack was supported. With…
mortgage valuation
Our papers went into santander on friday, this morning I saw a chap in a suit looking closely at our house from the street, he was across the road at first seemingly looking at the roof and then he walked past the front looking intently at the house. Is it possible that this is the banks survey, surely they would need to…
Engaging a broker to follow up on a MIP which was offered direct from bank
I have a MIP from Natwest which I want to pursue. Can I now use a mortgage broker to make a full application using the same reference number etc for that mortgage or will the NatWest not like this since they would then end up paying the broker? I would appreciate having a broker on my side to help with the full application…
Mortgage Offer - will it be withdrawn?
I have had an official mortgage offer from Halifax but I am starting to become increasingly worried it is going to be withdrawn before completion. I have bought a new build house for 296,995 which is due to be finished next month, I went through a mortgage broker and have received a mortgage offer from Halifax on 65% LTV.…
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