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Optima
Hi Guys Does anyone know or have any past experience of how long they take to complete after receiving mortgage offer? It's a remortgage btw thanks in advance Kelly
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Right To Buy Mortgage
Hi I have had an acceptance from the council on a RTB application with my mum. The house we are buying is the family home we have lived in for 25 years and so the discount is excellent. The application was in my mothers name as the tenant and mine as a live in non tenant (more than 12 months continuous occupancy). We are…
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Overpaying mortgage?
Hi, I currently have a post office mortgage with an interest rate of 5.9% and about £92000 left to pay on it. We are thinking of moving house in the next year or 2 and trying to decide whether to start overpaying my mortgage to increase the equity in my house or to just keep the extra money in our savings where we only get…
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HSBC - change product - positive experience
I wanted to share a note about a positive experience I just had with changing the product for my HSBC mortgage. I was looking to re-mortgage and move to another provider after my 2 year fix-rate had finished. My original deal was a 90% LTV product. I had made overpayments and felt the property value had increased and so…
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Bad credit mortgage and Onlinemortgageadvisor
Has anyone been bankrupt and then gotten a mortgage? I've read the permanent post on the bankruptcy board but any new info would be valuable. Also has anyone had any dealings with a specialist broker or with "online mortgage advisor". Onlinemortgageadvisor.co.uk
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Bad credit mortgage
Has anyone been bankrupt and then gotten a mortgage? I've read the permanent post on the bankruptcy board but any new info would be valuable. Also has anyone had any dealings with a specialist broker or with "online mortgage advisor". Onlinemortgageadvisor.co.uk
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Mortgage help please
Hi. A bit complicated but please bear with me. 18 months ago my wife and I seperated but we had a joint IVA ongoing. The IVA has 2 years left to run and I have agreed to keep the payments going on it. When the IVA has finished in 2 years our house has to be sold and the equity has to be split between us as part of the…
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Tracking mortgage without broker
I really want to see if there is any news yet on my mortgage app after few probs (nothing major) however I don't really want to keep bothering my broker. I have a letter on with full mortgage offer on before it had to go back which had got various account numbs other numbs etc on it. Is it possible I can track my own…
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Halifax mortgage overpayments
Hi, Does anyone know the answer to the following? My current fixed rate deal with the halifax is coming to an end. I have currently almost used up my allowed 10% overpayment amount. If i switch to a new fixed deal with the halifax, will this overpayment amount be reset to 0 so that i can make more overpayments without…
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Mortgage after DMP
Hello, I can coming to the end of a DMP (DEbt Management Plan) which was set up in 2009. There were 6 creditors, all but 2 of these accounts are now settled and paid off. The final 2 will be paid their final monies by Sept/Oct 2014 and look forward to being debt free. there were defaults on the account and 1 CCJ with…
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Never give up!!!
About two months ago my wife and I decided to sell our house for 350k And wanted to buy a house a bit further out for 275k The house we were selling, us and our two girl had completely outgrown The house buying was three times the the size and two extra bedrooms. Our circumstances 1. Had a mortgage with the halifax of 171k…
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Interest Rates
I am on a base mortgage rate of 2.5%. There is talk about interest rates going up so would it be worth taking a fixed rate mortgage and does anyone have an idea of what the rise might be
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Mortgage Meetings
What are the rules when it comes to making a change to a mortgage Monthly Payment. I understand if you are requesting a new mortgage then you need to go through the full blown meeting to ascertain that you can repay. However, I am already overpaying every month on my mortgage to get it paid of quicker but have now decided…
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Bank account probs during mortgage app
Hi As some of you will have seen we had mortgage offer in full no probs etc, however due to a spelling error it's had to go back to underwriters which is where we are currently. Now due to having a few biggish expenditures this month inc solicitors, vet bill car birthday etc it's left my bank account a tad short for the…
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Virgin Money fixed BTL fixed rate endind soon
Hi guys and gals, I have several BTL mortgages tied up with Virgin money, one of which will be coming up for renewal soon. Last time I spoke to them they gave the impression that once the fix finishes then its the SVR or move. That can't be right can it? Why would they not offer any retention deals to existing BTL…
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Advice on getting the best mortgage offer needed
I'm hoping someone can offer me some advice. Back in Feb we sold our house and had an offer accepted on one we hoped to buy. We used a family friend who is a mortgage broker to get us a DIP, which she did but it was for completely the wrong amount (she'd muddled the figures and it was for 20k more than they would actually…
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Getting a Mortgage with unsecured loans
I am in the process of selling my flat which I rented out. I went to see Natwest and they took my details and told me I could have a Mortgage of up to £285,000 and I should start looking to make offers on houses. I'm slightly dubious as they didn't do a credit check. I have two loans adding unto about 29k and two credit…
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How much should i offer for a house? First Time buyer
I am currently trying to buy a property and I have been viewing houses within the range of £150,000 but i am just wondering how much offer can i make without appearing cocky. Will an offer of £130,000 sound ridiculous? Any advise on how to make an offer with the best deal? Thanks in advance
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Vendor Gifted Deposits
Hello. Hopefully a quick question: does anyone know which lenders will currently allow a Vendor Gifted Deposit to cover a stamp duty bill of around £10k as part of first Time Buyer mortgage application? We have a sufficient deposit to have an LTV of no higher than 90% under these circumstances. This is something I have…
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Job change of second applicant before mortgage application
Hi Gurus, I need little bit of advice if second application can start new job before we apply for mortgage. Bit of background. I'm in stable job since 4 years with same employer with 41k basic+5K(Bonus and OT). My OH started her 1st job in April this year with with 18K+1K(OT). I'm a FTB and look to take help from HTB…
