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Tesco Mortgage
Hi, currently applying for a Tesco Mortgage, had a 2hr+ telephone conversation with their advisor with all the usual checks, has been sent to the underwriter which is pretty normal BUT they haven't requested any documents such as payslips and bank statements to be sent to the underwriter with application. I thought the…
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Lender requiring additional survey info
I was wondering if anyone has had something similar. I've had a valuation done on the property I'm hoping to buy. The lender has asked for the surveyor to produce some additional information or answer a couple of further questions (unfortunately I don't know what the questions are). Should I be worried? The broker thought…
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First Time Buyer advice
My partner and I are buying our first property together soon. We're 31, have a combined salary of £80k and have around £40k in savings. We're looking at properties between £200,000 - £240,000 are are comfortable putting down a 15% deposit. We're concerned about the potential increases in interest rates though. If they go…
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Matrimonial Homes (Scotland) Act 1981 - Advice please
Hi, I have a question regarding the above and I am hoping that you good people will be able to help. I am in the process of re-mortgaging. I am married and husband lives with me, however the mortgage is in my name only due to past financial mistakes by my DH. We are not financially linked in any way, no joint bank…
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HELP Mortgage Declined
Hello I am new to this site so please forgive me if I make any mistakes. Myself and my husband have sold and completed our house sale and reside in rental property since April 14 - sale complete 23.07.14. We recently paid off all credit cards was a balance of £8k although these still show on our credit file as not updated…
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Completion statement help
I have brought a house with cash Exchanged contracts and money paid in full to solicitor. Completion date 15th aug. Had letter saying my solicitor has not received the completion statement from the other solicitor as of yet. What does this mean? Does it mean nothing is final? The date she said 15th aug
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moving town! mortgage, arrrgh..
Hi all. Hoping some one can help, We are wanting to sell our house and move on. When sold we will have a deposit for our new house of around 70k. My wife hasn't worked since 2008 im self employed, were hopefully looking at buying a house in the region of 150k. Problem is im a low earner. last three years ive averaged 1st…
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What are my chances of getting a mortgage?
I have a complicated situation, which I have put below. Looking to buy a house in Scotland, purchase price £555k, mortgage £400k, so just over 70% LTV. Mortgage would be just about 4.5x my salary Currently own a house in England, worth £325k, mortgage of £85k, so net equity of £240k. Owned in joint names with my wife.…
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change of equity / transfer of ownership halifax
Hi been to see my bank today (halifax) currently my 2 sisters and i own a third of my house although legally mortgage is in their name and land registry . something has happen and we now want to take my sister off the mortgage and land registry and put it in my name. She happy with this. Halifax has said this is ok i just…
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Coventry mortgage application
We have just applied for a mortgage with the Coventry BS and have paid the fee to process the mortgage. Has anyone else any experience with them and how long things took?
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New job
Hi Please can anyone offer some advice on our situation: My partner and I are looking to buy our first house in the next few months. We have a 20% deposit and our joint salary as it stands is £47k. I have been employed by the same company for almost 6 years but my partner is in the process of getting a new job (same…
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Remortgage/Transfer of Equity to remove ex
Circumstance Need to remove ex from joint mortgage, either by equity transfer or remortgage to another provide. No dependants, children etc No debts whatsoever £14000 savings to potentially pay down the mortgage Experian credit score 999 - Never had any late payments, no CCJ’s etc House House Value: £192000 Current…
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Halifax and defaults hmmm
well this could be a long one, basically both myself and my husband are FTB's we have three children and are both full time employed, i have recently started a new job after having a baby and my husband has been in the army for 12 years. we initially went to get a DIP with Nationwide and were turned down, so with advice…
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Mortgage advice
Thanks in advance for your consideration. I bought a 2 bedroom flat in London in 2006 for £214,000 and have £155,000 outstanding. I currently have a decent mortgage deal (base rate +1.5% lifetime tracker). I would currently sell for around £350,000 (prices have gone silly where I live) At some point we will need to move to…
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Declaring savings during mortgage application
Having an argument with the other half about this, watched this forum for years and glad I can finally join and ask something that I couldn't find already covered! :beer: Basically, she has £30k in Premium Bonds which are for all intents and purposes, the Mother in Law's but none the less, in the wife's name. If the reason…
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Free to change mortgage provider, but may move house in 7/8 months
Hi I'm looking for a little bit of advice. I have come to the end of a fixed-term mortgage with Santander. I'm now free to re-mortgage with another provider. I have £39000 outstanding on a home worth £100000, possibly a bit more- not had a recent valuation. Either way, 60% equity at least. I would re-mortgage with…
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ING Mortgage
Now Barclays have fully taken control of ING mortgages, does anyone have a clue how to access my mortgage account on the Barclays website To register it says you must enter card details which obviously I don't have, not having a current account with them
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Experian sign up or wait?
I have seen a few people on here talk about that they can see if the mortgage company has ran a credit check etc on them through Experian but i am not signed up with them would it be stupid to sign up with them now when im in the middle of an application? Does is effect your application in anyway? Thanks
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Armed Forces Finite age mortgage problem
I have just applied for a mortgage (moving home) and as I am a member of the Armed Forces I have a finite employment age of 55. When asked of my employment I told them I would leave the service @ 55 (presently NEM may change that) and that I may or may not work after that. they asked me for my pension details which is an…
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Halifax mortgage app - Experian account searches
Hi everyone, Our Experian accounts are showing the following from Lloyds Banking Group (Halifax) Thursday 7 August - 'Mortgage Quotation' Friday 8 August - 'First Mortgage' Is the first search the DIP and second search by the Underwriters? Confused! We are still waiting to hear from Halifax as to whether they will allow us…
