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Taking forever - apply for another mortgage?
Its now coming up for 7 weeks since we started the mortgage app with santander. They have made us wait around for weeks for an interview, then took ages processing what docs we had sent back. Now they have had everything they need for 9 days, it was only sent to underwriters 7 days ago. They requested further info but…
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Brokers's Fee's
Hi, I am applying for a mortgage through a broker. Their fee is £190 for the initial process and £500 for competition. Just wondering if this a fair price? Thanks
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mortage declined after principal urgent advice needed
to be honest im pretty outraged leeds building society have today declined my mortgage after messing me around for nearly 2 months for the following reason 'Thank you for your recent mortgage application. Your application has been assessed by our underwriters and they have confirmed we are unable to proceed with the…
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Adverse mortgage lenders in N.Ireland do they excist????
Does anyone know of any? I'm struggling to find one.
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Contribute to deposit but not on mortgage
I am a limited company contractor, operating as the sole director and taking a mixture of salary and dividends. I've only been trading for 5 months so obtaining a mortgage soon is out of the question. My partner on the hand is hellbent on "getting on the property ladder".. so much so she has set herself a deadline of…
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Credit Checks
Just a query and a little worried Awaiting a mortgage approval from Natwest, been 2 weeks so far, had a email today to say the valuation will be carried out within the next 5 days. I decided to just go on Equifax and check my credit file to see if they had carried out the credit checks - which they have 2 weeks ago, only…
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Mortgage Advice
Hi I have recently found a new build house and paid my site booking fee. The house is £140,000 which I hope to purchase through shared ownership - 50/50. I therefore will require a mortgage for £70,000 and have a 10% deposit. I do however have a few missed payments on my credit file showing up as 123456. These missed…
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Parental help to buy
My daughter is having to move out of the rented house she has lived in for about 5 years now because the owner has decided to sell it. She has first refusal to purchase the house but initially thought it beyond her reach. She has a partner now and really wants to stay in this house. Her partner has been working in Greece…
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interest only mortgage
Our mortgage is interest only & has 7 years left to run. It is for £120,000 & our house is worth £360,000. The bank is intimating that it wants to change our terms to repayment, which would put us in financial difficulty. We've stated that we fully intend selling well before the due date. Can they LAWFULLY just change our…
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Mortgage problem - origin of deposit
Hi all I have a mortgage problem and wonder whether anyone has any thoughts on how I might deal with it. A friend has a decent amount of money in his account following the sale of a house, but also a couple of issues relating to his credit history.! They relate to matters that have been settled, but still show up whenever…
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Valuation advice needed please
We have a mortgage offer subject to valuation , problem is we had an offer with another lender for this house in may and when the searches where done it showed a mine entry 20m within the property so they pulled the offer ! Fast forward to now and the house is being valued tomorrow and our solicitor thinks we should show…
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Declined Mortgage - Natwest
Hi, I am looking for some help and advice. 2 weeks ago we applied for a mortgage with the natwest (we are first time buyers), anyway last night the adviser phoned to say that it had been declined due to the fact my husband had a natwest account 15 years ago which went into default (my husband or I was never aware that it…
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Mortage, When to apply
we are currently in the process of buying a new house, ours is also under offer, we only have the mortgage in principle which the solicitors have a copy of but we are not sure when we would need to apply for the full mortage as ive been told the mortgage lenders would need to do a property valuation aswell? Thanks
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Where to look for a broker?
As the title really, where did you find your broker? It seems a mind field unless someone is recommended.
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Santander letter asking for mortgage account fee from 2002
I have received a rather odd letter from santander telling me that when I took my mortgage out with them in 2002 I told them I wanted to pay the £225 fee upfront. Fair enough I thought, they then go on to tell me that they informed me at the time (I have no recollection of that) that their systems were being changed out…
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Credit card statements
Hi guys, I hope anyone here can help me. We are in a process of applying for a mortgage for new home with our current lenders. The mortgage is 65% of value, we already had mortgage with this company for last 10 years and we are porting our current mortgage and taking a new one on top (to avoid paying redemption fee for the…
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When do I make credit card payment?
Hello, me again! After my questions about Barclays last week, we decided in the end to go with Bank of Ireland (Post Office) our current lender. We got the AIP no problem based on the information I set out there. When asked about the outgoings, I put in 3% of our cards less £1000 which I intend to pay off (I already have…
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Deeds advise
Hi All In a second marriage and we are buying a home together. The wife is putting in 50% cash and I am doing the other 50% mortgage to make things fare. (HSBC Mortgage) both of us to go on the deeds. I have been trying to get a solicitor sorted out but they are telling me that she can not go on the deeds as the is not on…
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Failed mortgage valuation
Hi everyone, We are first time buyers and applied for a mortgage with Santander. All our credit checks and affordability was fine. The valuation however was not. The valuer advised the lender not to lend on the property full stop because it is 'poorly laid out and badly lit'. It has baffled both my mortgage adviser and…
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Mortgage, divorce, First Direct
Trying to go incognito for this personal question... So, it looks as though my dear wife and I may be getting a divorce. We have an incredibly good existing deal with First Direct at 0.49% over Bank of England Base Rate for the term of our mortgage, interest-only and it is an offset mortgage. What I would like is for my…
