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Mortgages & endowments

Archives for November 2014

Let to Buy advise
Good evening. I have been searching for some answers but can't find anything so i thought i would be better starting my own thread. My current house is worth around £170k with £80k remaining on the mortgage. Im looking to move closer to work as i am currently commuting 100 miles per day. So i spend roughly £100 a week on…
Mortgage offer - thoughts appreciated
Hi all, I have made an offer on a house at 208k. My mortgage broker has found me a mortgage with "first complete", it's a fixed rate mortgage at 2.84% which reverts to 4.75 SVR in 5 years' time. The mortgage is for £150k, I have a deposit to make up the rest (a lot of saving and some inheritance). The product fee is £1499…
Will lender take future payrise into account?
I hope someone can advise? I will be applying for a mortgage in December and have just had a letter from work confirming my increase in salary effective 1 January 2015. Is the lender likely to take this into account as my salary or will I need to wait until the end of January when I have my first payslip with this new…
Mortgage and solar panels
Solution found
Quick question about invalid ccj and mortgage application with NW
Hi guys, Was wondering if I could pick your brain please? Me and my partner have a mortgage application with Natwest this morning and we are unsure about something. In January this year, we applied for a mortgage with natwest but it got suddenly declined because of a CCJ which appeared on my partners file in error. The CCJ…
Accepted offer what next...
Hi after a long awaited process of applying for a mortgage offer with Santander we finally got the call to say the offer was accepted!! Yay Partner and FIL are applying together and the mortgage advisor advised them to go in at 9am tomorrow morning to sign some documents. What documents will it be? Maybe the KFI? Thanks
Lost documents
Please can someone advise as to the next step I should take. Completed full mortgage app via 2 hour phone call on 15/11. Mortgage advisor not local. Took 5 days (rec 22/11) for paperwork to get to me which I needed to sign before going into branch and getting my payslip etc certified and sent off. 24/11- branch took copies…
End of mortgage and Deeds??
Ive paid off my mortgage 3 weeks ago. My mortgage account has been successfully closed, and verified over the phone. Ive received nothing from the bank though - Nattiest. Rang back and they said they will get another completion statement out to me. However, they also said they do not hold the deeds to my house. Since its…
Court date
Hello, this is my first post of any kind. My husband and I had a relationship breakdown earlier this year, and got in to mortgage arrears as a result. We agreed one payment plan with lender, which broke down due to communication issues, and they applied for County Court date for possession order in October. Thankfully my…
Buying a new property - Mortgage help
Hi guys, I recently sale agreed on a property i bought a year ago (first house) and renovated. I have since had an offer accepted on a new property to do the same again. My mortgage at the time of buying was 79k over 25yrs. After a conversation today with an adviser they have said that the term needs to be extended to…
Mortgage declined.Not borrowing enough
This is really difficult for me because i have been searching for over 6 months and finally found a house i love and now i was refused mortgage due to me not borrowing enough to secure a 95% help to buy loan. I don't have credit cards and have a couple of direct debits on my account. my credit score is very good on…
Buy to let mortgage for first time buyer
I am a first time buyer and would like to invest some money I have inherited in a buy to let property. I was told by my financial advisor that because I am a first time buyer, I would be unable to get a buy to let mortgage unless I make a cash purchase and then after 6 months I would be eligible for a buy to let mortgage.…
How long to offer
Hi Valuation on house complete and all ok. Now awaiting mortgage offer. Anyone have experince of how long it takes to receive offer from Woolwich. Its been 3 days since valuation report received. Anxious times!!!!
Natwest - Help to buy EL advice.
Hello, I've reserved a new build house and I have a 5% deposit. The house is due in June 2015 and the housing fim "Kier" are now requesting that I arrange for a solicitor and lender/broker to be put in place. Not sure why as like I said the house isn't ready until June and we have no chain and as it's Christmas I'm finding…
2nd Charge Bad Debt - Help!
Hi, I need some advice/help. We are currently undergoing a repossession which resulted due to my husband being off on long term leave with mental health issues. It's been a case of burying the head in the sand. We've come to an agreement with the lender that they will halt all action on the payment of a figure 33% of the…
Second Home Mortgage
Contemplating buying a second property in the future to be bought as our retirement home which will not be rented out. Will keep our current home as well and use the second home at weekends/hols until retirement. Could any brokers out there give some advice as to which providers lend on second homes? Would like to read up…
Gift for stamp duty payment.
Wonder if somebody could help please. Hoping to buy a house over 250k with 15% deposit. Stamp duty will be circa 9k. I know lenders do not like gifts for deposits but what about gifted contributions for stamp duty ? Any advice appreciated
Credit checked after a month of having full mortgage offer!!!
Hi guys, Just checked my experian report today randomly and saw a mortgage quotation there from the halifax! I received my amended mortgage offer from them in October. I thought there will be no more further credit checks apart from the ones near completion... Anyone else ever had this? P.s just like to add that my…
What happens at end of three hour mortgage appoint with nationwide
I have my three hour appointment next weekend and I had thought I would find out there and then if I am going to be offered a mortgage product. Is this not the case, does it then have to go away and be analysed by someone else? Does the mortgage advisor you spend three hours with give you any indication at all of whether…
FTB - Mortgage Retention on £65k House! Stressed!
Hi all Just signed up here as I'm getting a bit stressed over my first house buy. The house in question is a 2 bed semi detached which was originally up for 90k - reduced to 75 and the owner accepted 65k (a very good deal for the property) The property does need some work (upvc all windows, refurb of kitchen / bathroom /…

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Mortgages & endowments

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