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New mortgage when pregnant
Hello I wonder if anyone can help me. I am currently 30 weeks pregnant. I have spent two years and £3000 planning an extension which has now all fallen through as building quotes have been phenomenal and I'd never make the money back when selling (which I would need to do in the next year or so). I have a partner and an…
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Leeds Valuation Money taken - good sign?
Hi guys, I know i should just wait and see but i'm too eager! The money has been taken out of my account for the valuation etc does that mean they are likely to offer? I just presumed the valuation would be the last bit hence they wouldn't take money unless they were happy with all the other bits? Thanks
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Flexx plan or 5 year fixed - that is the question
Folks, Hopefully someone can assit - my original tracker plan has come to an end and thus on SVR so need to change this. I note some companies offer great Flexx plans, like Godiva, that have no real penalties tied to it apart from the initial whopping fee (no different to the fees to fix to be honest) - this plan is thus…
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Mortgage Decision Appeals
Anyone have any experience of this?! We were declined by Santander, but MA in branch said she would appeal. It came back from first stage of appeal saying it could go to second stage. (Final stage) it is now at second stage and we are waiting. Has anyone done this? Were there any positive outcomes? Thanks
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Bridging loan
Hello, I was wondering if anyone could offer any advice regarding bridging loans. We've recently had a house sale fall through which in turn meant we couldn't go ahead with our purchase. I've heard of bridging loans before but don't really know a lot about them. So does anyone know if it would be viable/sensible to use a…
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Buying a house but carrying on renting for a while after purchase - possible?
Morning All, we currently live in London and are considering relocating to Edinburgh and buying. For a couple of reasons, we are thinking of trying to buy fairly imminently but potentially carry on renting in London for a period before we actually move up and in at some point next year. While this is slightly unusual, it…
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Northern Ireland
Can anyone recommend a good broker in Northern Ireland??
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Porting mortgage with Santander
Hi We have 18 months left on a 2.5% Santander mortgage and would like to buy a bigger house. We were told that the mortgage is portable and our balance is around 70k. We would need to borrow an additional 65k which is well withing the affordability calculator on their website. We would have a deposit from equity of 80k and…
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Larger deposit or pay off debts?
My girlfriend and I are looking to purchase a property in the coming months. Our combined income is ~£50,000pa and the houses we're interested in are around £120,000. We'll have a deposit of £20,000 but I have an outstanding loan of £5,000 (£240pm) and credit card balances totalling a little more than £5,000 (at 0% until…
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Friends Provident Endowment
Hi All, I have a Friends Provident with profits endowment with a guaranteed amount of about £12K. However I am sure this figure used to be higher than this but I no longer have the yearly statements to prove it. FP say there is no evidence as they don't keep past yearly statements. Does anyone else have experience of this?…
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2.5 year fixed contract of employment, will I stand a chance?
I start a Grad Scheme in Sept which is 2.5 years long. When I search the forum, most info relating to fixed contract jobs are careers which seem to always rely on contract work, ie. it's not unusual in that field. I can't get confirmation of a second contract after my 2.5 years because 1) it isn't really contract work and…
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Mortgage and renovations?
We are looking into a property that needs renovation. If we go ahead we would need a loft coversion to add extra bedrooms and various other bits and pieces. We need to spend approx 35k to get to standard (although hubby will actually do lots himself so hopefully this will come down some) if we went ahead we would move into…
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Halifax 2 years means 28 months
I was thinking I'll be able to get out of the my current interest rate in Oct as my 2 years will be finishing on this date however when I called Halifax after 1 hour wait I was told I can only move in Feb 2015, I said how is it fair I got my mortgage in Oct 2012 so two years means Oct 2014, but how do they justify 4 months…
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Will we get a right-to-buy mortgage with 1 default on file?
A few months ago we applied for the right-to-buy our council house. We have been accepted and had our home valued. Today we got the price our landlord wants us to pay....£39,270. Very pleased with the price so have started to look at mortgaes. Problem being last week I applied for both mine and my husbands credit files.…
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Santander experience via broker
Hi I have seen there are a lot of bad experiences with santander and thought I would throw in my experience. 16/7 application received 16/7 docs received (3 months payslips and passport/driving licence) 16/7 passed to underwriting 22/7 underwriter agreed 22/7 valuation instructed 24/7 valuation agreed 24/7 application…
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Moving Home and Remortgaging
I wonder if anyone can help. Currently had a bid accepted on a new property. I am getting it a good price with the only catch that the sale must be completed within 4 weeks. I won't be able to sell my current property in that time so my parents have helped me and emptied their savings to help me buy the new property…
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Deeds storage
I'm about to pay off my mortgage, can anyone give me some advice on deeds storage? I understand the deeds document itself isn't worth the paper it's written on any more because it's all gone electronic, but the bundle of documents generally known as "the deeds" contains a lot of other paperwork and I'm not sure whether…
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waiting for offer
Hello, We are in the process of buying a house using the help to buy scheme. We are applying for a mortgage with the leeds building society. It has been 5 weeks since we first applied we have had surveyors out to the new build however the kender has now asked for my partners p45. He has lost his copy of his p45 and this…
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Working out deposit
If I bought my first home for £100k with a mortgage deposit of £20k and then sold it on for £150k. How much of a deposit do I have then? Trying to work out if I'm still supposed to have the same deposit or more for the next house? Any help gratefully received! Getting confused over something I'm sure probably is very…
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Any hope of mortgage? 2 historical defaults
I used to be a regular poster years ago, but lost my details etc. Anyway, my husband and I currently rent, but our landlord has advised he wants to sell once our lease comes to an end in December. He has offered to sell it to us at just below market value (we get it for £100K rather than £105K), and we were really hopeful.…
