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Santander HTB Mortgage (Bank Statements)
Hi, I really could do with some quick advice. (I have provided background info) My wife and I went to see a new build last week. There was a mortgage adviser onsite who we took advice from. After speaking to him we decided to reserve one of the houses and decided to go with the advice as he seemed very knowledgeable. We…
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Getting a mortgage with a CCJ?
Is it going to be impossible for me to get a mortgage when I have an existing CCJ that I will be paying off monthly? CCJ is from 2012 and £4000. I will be getting the mortgage on my own hopefully! Will I have to wait until it's paid off?
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Ex-pat buy-to-let mortgages
Are they possible. We live overseas in rented accommodation. We are here for the short to medium term (2-3yrs). Property market here is too flaky and slow. We own one property in the UK worth circa 450-500k without a mortgage having paid it off within a few years. Earnings are high with the potential to increase further if…
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Remortgaging with HSBC during notice period?
My current mortgage is with HSBC. I am looking to move house, and will need to increase the mortgage amount a bit. I called them some time ago, and that wasnt an issue. Since then, I have been offered a new job, with a slightly better salary. I am now on three months gardening leave My query is, can I progress my…
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Woolwich Mortgage Monthly Payments Wrong
Our Standard Life Bank Mortgage was moved to Woolwich by Barclays and for the last two years their computer carries out an Annual Review and decides incorrectly that we have missed payments therefore have underpaid and increases our mortgage payment. The first year we got the problem corrected but this year they can't…
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Looking for remortgage info
Hi, Long time lurker on these forums but its the first time I've registered. Anyway, I'm looking for some advice here on re-mortgages. I've accrued £28k of debt over the years and although I can pay the bills every month I am getting fed up of not having any spare cash left after everything is paid. My flat is valued at…
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HSBC Mortgage for customer with VISA
Can anyone tell me if HSBC will lend to a customer resident in the UK on a Tier 1 VISA?
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Buy To Let - A Possibility?
Hi, We have had a mortgage for the last two years. We paid for the house half cash, mortgage on the rest of it. No problems paying the Mortgage. Our long term plans are that in two years, when the kids have gone off to Uni / Work, we are re-locating to a Welsh house with enough space to keep animals and host Bed and…
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Trying to get a mortgage
So after coming to look at this board I saw the post by someone who like I am is a seafarer. I have however paid tax as I am not always sent outside the UK. My worry is about being able to get a joint mortgage with my wife. We only got back from our honeymoon on Wednesday and went into HSBC yesterday for her to change her…
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Woolwich in the dark ages
Dear All I am a new member - Hello. Is anybody else frustrated with Woolwich being in the dark ages, when it comes to communicating information with the customer and also when trying to make overpayments? I've had paperwork being lost through Royal Mail (a whole different story!) and they (woolwich) seem to be unable to…
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Mortgage help!?
Hello. My boyfriend and I are ready do buy our first ever property. It seems it'll be complicated though. I am in full time employment and my boyfriend is self employed but full time. We have saved a good deposit. And I've looked at mortgage calculators based on the info we can afford the house we want. No idea where to…
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Woolwich Over Indebtedness
As from Monday anyone who applies to the Woolwich with unsecured debts in excess of annual income will be declined. Please consider this if you were thinking of applying for a mortgage with them next week.
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Aldermore offers
Hi has anyone had any offers from aldermore recently we are still waiting our mortgage was sent to final decision on the 19th and our estate agent wants answers to when it will be as we are buying a reposession all our final documents were sent to them on the 11th of august
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Offset or Savings?
Hi all, I'm hoping someone a bit cleverer with maths will be able to work out for me which is the better option between these two mortgages. If it matters we are re-mortgaging having been in our house 2 years. We want to fix for five years and can get exactly the same rate (3.45%) on either an offset or a standard…
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Mortgage co forcing me into arrears before willing to discuss reduced payment!!?
Morning everyone Just finished 2 calls to Leeds Building Soc re my buy to let mortgage. Product had finished and instead of payment going down due to low variable rate, mine goes UP by £150! Due to unexpected home situation (plucking 7 month old nephew out of care or would have disappeared into adoption route) me and…
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Planing on moving.... preparing finances
Hi all, We are planning on "being ready to move" in Feb, I have projected between now and then that we will have reached our savings target for a deposit + costs the price range we are looking for... This is through a combination of saving like no tomorrow through each month and the wife's redundancy/maternity package as a…
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95% Mortgage Advice
Hi All, Hope you're having a good evening. I'm after some advice. My partner and I are FTB's looking for a 95% mortgage, either with or without the government scheme. A broker I have spoken to has recommended going without the government scheme due to them having a much stricter underwriting process and it takes longer.…
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Mortgage / Deposit / Car Loan Implications?
Hello, as my first post within this forum I'm looking for a bit of advise/clarity on my situation. Im looking to apply for a mortgage in around 9 months time, I am due to take a car allowance for my work within the next couple of months and. I intend to take a loan rather than finance for this car. Some background info: I…
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Advice Please - Mortgage Application with Halifax
Hi All Just looking for some advice We went thought a full application on Sat 16th August 16th 2014 after waiting almost a week for someone to call us back to go through the full application. We faxed the documents over to Halifax on Monday 18th, I contacted them on Wednesday to ask if they got them as take 48 hours to…
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House deeds attached charge
Hi, 5 years ago I agreed buy a friend’s house. My name was put onto the deeds and land registery. My friend put the cost of the house as a charge on the deeds, The charge agreement states that the first 2 years would be interest payments only of 3% above BoE base rate and after 2 years a new repayment agreement would be…
