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Remortgage - when to cancel old direct debit
Solicitor has said that our remortgage from Santander to HSBC has completed today. I called Santander and they don't have completion funds yet and said it can take until close of business for them to see them. Our standard monthly repayment to Santander would normally go out on Monday (29th). Santander say we shouldn't…
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Mortgage rates have dropped, whilst I'm in the middle of purchasing...
Hi there, I've been approved for a mortgage (5 year fix with Nationwide) and have accepted the offer. I've had my survey done on the flat and am now just waiting for one outstanding legal question to be resolved. That question has been outstanding for ages and shows no sign of coming through in the next few weeks and I've…
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Renewing a Car (hire purchase) before completion of a Mortgage
Hi, Before the barrage of abuse I know I have done something very silly. I tried to cancel and postpone it until after completion but it was too late. I have already got a mortgage offer which is well within the affordability range as we borrowed a lot less than we were offered. We have exchanged on a house and are due to…
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FTB what happens next
Hello, Myself and my partner are buying a house we have received our mortgage offerin the post, the valuations have been done and the searches by the solicitor. We are in a chain we have a FTB buying my partners property, and the peoplewe are buying from are moving into a empty property. As far as I am aware they are both…
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valuations
Hi there, We are waiting anxiously for our mortgage offer to come through (fingers crossed) on a property for £122,500. We are putting down a £65,000 deposit and having a mortgage of £57,500. Barclays have instructed a valuation and I was wondering what would happen if they came back and said the property is worth a lot…
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Do we have a chance at a mortgage?
My partner and I have between £200-250k of cash to put down as a deposit towards our dream house, which costs £399k (although we have been told we can get it for £375k). We earn £50k between us in jobs we have had for around 7 years each, have no outstanding debts, and all credit cards etc have zero balance. We both…
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Mortgage Early Repayment Charges
Evening, I'm 2 years into a 5 year fixed mortgage at 4.89% with the RBS. I'm looking to switch/re-mortgage to take advantage of the lower rates on the market (Lowering by up to 2.5%) The ERC is 3% of the outstanding balance, which would mean I'd end up paying approx £2k in charges One question I have is; Does this £2k…
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Porting a Mortgage
Forum I currently have a mortgage with a High Street Building Society and wish to buy a bigger house with my partner. My partner has her own house which is fully paid for and she is not connected to my current mortgage. My partner has enough savings to pay her half of the new house outright which leaves me having to apply…
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Current Address On Electoral Role
I moved house some months ago and did not get to sign up on the electoral roll at my new address until August. NOTE: All my two previous old addresses are up to date on the register except this new one I moved in to some months ago. (Silly me I know, been beating myself up for being neglectful) Anyways, I received a letter…
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Remortgaging issues
Hi all, ive went back to work after some mature student activities, so i have only been working a month. The mortgage is up for renewable for the past couple of months. so the rate has risen quite high. will i struggle to get anyone to remortgage until ive been working 6 months?
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try to remortgage or not?
We have a 130000 mortgage with the skipton which is much more expensive than many other places and I want to remortgage. Problem is since we took mortgage out my hubby has become self employed and we have run up some credit card debt. I don't want to borrow more just reduce the cost, will I get another mortgage or should…
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infidelity clause on Deeds?
Hey Guys, Myself and Fianc! currently live together in a house I own and am solo on the mortgage. Now we are due to be married next September (2015), however we are looking to add her to the mortgage and deeds to the property at this time. Now she is going to be providing 20k, obviously when I purchased the property I paid…
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Right to buy mortgage
Hi I'm wondering if anybody can offer any advice. My partner is currently looking to buy his council home under the right to buy scheme but he has a discharged bankruptcy on his credit file and this will be cleared in May next year. Does anybody have any advice on the best companies to offer mortgages in this situation.…
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transfer of equity and restrictions on property
Hello, my ex has finally agreed to transfer the property in my name. There is no money involved. I have met with the building society and the underwriters have agreed to the transfer. However there are restrictions on the property due to my ex not paying his credit cards. I have spoken to several conveyancing solicitors…
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Halifax Mortgage Promise - What happens next.
I was hoping for some opinions. I have received a Mortgage Promise from Halifax. However, I had missed payments on Credit Card back in 2013 the worst showing as a 2 on Experian. This has been clear for over a year now and I have a rating of 999 < I realise this number means nothing! I have prepared for the full application…
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transfer of equity and restrictions on mortgage
Hello, my ex has finally agreed to transfer the property in my name. There is no money involved. I have met with the building society and the underwriters have agreed to the transfer. However there are restrictions on the property due to my ex not paying his credit cards. I have spoken to several conveyancing solicitors…
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First time buyer questions re MMR
Hi My wife and I are FTB with a 20% deposit, no debts, savings and good salaries. No dependents. We have a MIP with Nationwide already, and we are asking to borrow less than the value of the MIP. We've had an offer accepted on a property and have our full application meeting with Nationwide soon. Over the last few months…
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3 or 5 Year fixed mortgage deal????
We have recently come to the end of our current mortgage deal leaving us with a LTV of 80%. We are looking to sign up to another fixed plan to try ensure we know what our monthly payments will be we have a 3 year or 5 year plan working out at 3.29% for 3 years or 3.89% for 5 years Really no idea which is the best option I…
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Mortgages in the spotlight in this week's email
Hi all Just a heads up that mortgages are highlighted in our weekly email this week. Andrea :)
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Timescales
Hi, If a charging order is put on a property in 2006 and paid off in 2014. How long after that has happened before it stops being an issue on your credit file? Thanks
