-
nationwide valuation tomorrow...chances of decline?
Hi all, My husband are trying to buy a part buy part rent house with the mortgage with nationwide only being £51,000.00 so not a high amount at all, the valuation is being done tomorrow, what are the chances of being declined?
-
Question about consent to lease
I've been in a house for 2 months now and my situation has changed. I don't want to sell my home as I may move back one day but I'd like to get consent to lease. My mortgage is with halifax and It's usually 6 months before they will consent. Is there anyway it could be done sooner? Thanks
-
Should I have any problems getting a mortgage - next year
I have a £70,000 interest only mortgage which is due next September. I also have £20,000 additional repayment mortgage which has another 10 years to run. Both are trackers so very low interest rates. I currently have around £26,000 in debts but hope to reduce it to below £10,000 this time next year. I have about 8 missed…
-
A few mortgage questions.
Hello all, We are thinking of taking a mortgage out with Bank of Scotland Halifax. We’ve been offered what we need and would be at 4.69% on 10% deposit of £194,995 house (new build) for 38 years. Their initial period is 2 years fixed at this rate. 1). When it comes time to set another fixed term after the 2 years is up (or…
-
Possible ?
Looking at renting our current property and buying a house. current lender will give consent to let, rent will cover mortgage easily oh's Salary £35100 full time employed 4 years my salary - self employed 8 years 09-10 £16600 10-11 £16600 11-12 No profit!!! 12-13 £16600 13-14 £16600 books currently with accountant but will…
-
Halifax Mortgage - Valuation Fees
Hello! First timer on this forum :o I am currently going through an application with Halifax Bank for mortgage with 85%LTV putting in a deposit of £100K, after having sold my house. Right now I am getting a little nervous, because my first choice lender Accord was declined because of a default registered on my husband and…
-
Mortgage-Express email for customer services
Is there an email address for Mortgage Express Customer Services? I don't want to get involved in a telephone conversation and letters cost at least 55p a time. There is nothing on their letters and their website doesn't have one. Wondering if anyone has an email address for their Customer Services? Thank you.
-
Can any advisors help with what I could borrow?
Hi there I was hoping someone might be able to help with my situation or point me in the direction of a good mortgage advisor that may be prepared to take on my case. I have recently sold my property (to the council as the street is under compulsory purchase so U didn't really have a choice) I should have £40,000 as…
-
Can I transfer Nationwide application fee to a different product?
I was in the middle of remortgaging to Nationwide, I was going for a 5 year fixed rate and a 6 year term, and I had paid £99 application fee and arranged a valuation. There are legal fees but if I complete on the mortgage they will give me £250 cashback to cover those costs. They haven't confirmed they will remortgage my…
-
Please help Land Compensation. Capital Repayment or Overpayment
I have a Repayment Mortgage that was with Northern Rock but it is now known as NRAM. It states first movement was 04/04/2006, I have under ten years left to complete. Monthly Direct Debit payments differ slightly- 01, 02, 30 31 of the month. I am not sure how my interest is worked out, however I get a yearly statement and…
-
Any joy?
Hi all, We are having a bit of a nightmare getting a lender to lend! Tried Nationwide in may- fees paid, valuation done then declined due to no 2 year accounts.. Woolwich - 6 weeks since full application, valuation done again but they now also say 3yr SA302s not enough and they want 2 full years audited accounts!! Phoned…
-
How long for nationwide mortgage to go through?
Hi Applied to nationwide mortgage through broker last week and we are borrowing much less than we can lend. We have given all info to them. Anyone applied for a mortgage recently to nationwide. I want to gage time scales as our exchange is imminent and feeling nervous. How long did it take for yours to go through? We are…
-
Section 106 mortgage...
Hi, What are my (and my girlfriend) chances of getting a 95 or 90% LTV mortgage on a section 106 property? Also what mortgage lenders cover section 106? I'm only asking the above as I can't find the answers anywhere online. Thanks Kris
-
Mortgage extra money??
Hi We are due to complete in around 3-4weeks (fingers crossed!) and I have been re-reading our mortgage offer. In it is a random extra stating that if we want to we can have £750 in cash right now from them! And it will add £3/PCM to the mortgage payment. So instead of £513/PCM it will be £516/PCM. Is this a wise idea to…
-
DRO and Br differences?
Hi there, I did ask this on the bankruptcy board but know one seems to know. In terms of a future mortgage are bankruptcy and debt relief orders view any differently?? Do lenders see one as more risk than another or do they both do the same damage to your credit for life. Some thing DRO' s are less damaging but are they…
-
Mortgage Advice - mother and son
I am looking in to buying a home under the shared ownership scheme. I have a large lump some of money from the sale of my last house, which I want to put towards the deposit and hold some back to pay my mortgage. Unfortunately, despite having this money, I am not on a high enough salary to qualify for a mortgage. My son,…
-
Halifax stamp duty and £150 cashback-have any FTB used this?
I'm near end flat buying process and thought my stamp duty would pay directly from bank to solicitor but solicitor tells me I would have to pay then once they get from bank they send me a cheque for stamp duty but only concern is not sufficient funds then to cover and having to use credit card to cover legal fee where they…
-
Retirement Mortgages
Does anyone have any ideas of who to apply to for a mortgage for those over 68. It seems to be very difficult - thanks
-
Hi. New to forum have a mortgage query about an application
Really need some advice. My wife and I have had an offer accepted for a house of £138k and we have a £30k family gift that doesn't need paying back, we have a joint income of £40k and I've just finished paying off a credit card (with a bit of help from the family member) and I've came of my £500 overdraft roughly 6 weeks…
-
Any Mortgage Companies lend where Vendor has owned less than 6 months?
As Above. Thanks.
