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Would any brokers touch this?
I wonder if anyone could help or advise really. We have a property at the minute which is mortgaged Value £140k - 150k Mortgage oustanding 41200 2nd mortgage outstanding 12000 So we're sat on a chunk of equity The problem being that i'm sat on 2 ccjs 1 is settled and due to drop of file July 2015 The 2nd is due to drop of…
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Is It Ever Worth Switching In The First Two Years?
Bought my house last year, £120,000 with a deposit of £6,000, so LTV was 95% (borrowed £114,000). APR is 5.59%, so I'm paying £650.70. We're with the Halifax. Been overpaying a good chunk this year, so I estimate that after our twelfth payment (December) we'll owe about £109,000. Given that house prices in our area have…
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Switching products
Im with Natwest and have been for 8 years with my mortgage. Looking to switch products. When we originally got our mortgage with them there wasn't the rigorous process there is now. If we switch products will we go thought the full process?? Many thanks
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White Goods - Payment Outside Mortgage Offer
So, after agreeing purchase of a probate and being close to completion we have viewed the property and the agreed white goods have gone. We were going to put in place a gentlmens agreement to pay back £1,000 after completion but as the executor is not a beneficiary they will not do that. After a lot of back and forth our…
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Endowment mortgage
I had two endowments that returned less than they were supposed to. Scottish Widows acknowledge this, but say they are or responsible as I bought these through an agent and not direct from them. Is this correct?
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Anyone in High street doing 4 x Salary please ??
Remortgaging next month....Need to raise a bit of capital :cool:
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Remortgage and borrowing more
I am remortgaging and will be borrowing slightly more so there will be a small shortfall of £10k or so when I switch lender. I have the option of either overpaying by £10k on my existing mortgage before they prepare the redemption statement or transferring the funds direct to the solicitor. If I choose the latter, will…
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joint mortgage advice
Can anyone advise on our situation? I'm living with my partner in a property he has been living in for 10 years. He lived here with his previous partner. The property is in his previous partner's name who is willing to sell to us. The property is valued at 250-300,000. however, his ex partner is happy to sell to us for…
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I made a mistake on my Santander application form
And I've only just noticed :( My wife is self employed and somehow I have put the wrong gross / net profits for the business down. I'm not sure how I've done this as we have been waiting for her year end to get certified accounts for 2 months, in fact I have no idea where I got the incorrect figures from, they just don't…
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HALIFAX REFUSE MORTGAGE - WHO NOW - Please Help?
Hi All, Am Changing Residential into Buy to let and Buying a new Property my dream house. - £365,000 and placing down £78,000 Deposit using some equity Old house bought for £78,500 in 2006 and Now Valuation at £167,000 so Loan amount £298,000 for new property Term of mortgage 25 years Deposit £78,000 Purchase price or…
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Which lender while in probationary period?
My offer has been accepted on a house and I have 20% deposit. However, I was made redundant from old job and although I started a new job 2 months back (with higher salary) I am in probationary period in first 6 months. I intend to apply with HSBC (I do bank with them) but I heard they are very picky and most likely will…
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Help to Buy joint mortgage
Hey, sorry if this has been covered, I couldn't find anything using the search. Me and a friend want to put together to get on the property ladder. We both live in London...so I'm sure I don't need to go into the ludicrous costs associated there, but essentially there's not much on the market on our budget and help to buy…
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Mortgage Against Owned Property?
Hi, I'm looking to buy 2-3 buy to let properties. I currently own a house (mortgage free) worth around £200,000. I want a mortgage on this and to use the money for buy to let deposits. Is it feasible they will lend me around 75% of the properties value for this purpose? Are there any other options? My salary is around…
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Is it worth calling the mortgage provider myself?
Hi I have a shared ownership mortgage from Kent Reliance I am due to complete soon, Housing association is looking at taking completion of new built block of flats this wednesday, so then my solicitor can request the mortgage funds. They told me Kent Reliance takes 5 days to issue the money, I asked if we can do it any…
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NRAM and letting consent advice please
I'm new to this forum so apologies if someone else has posted something similar. I bought my property in 2007 and got a 100% interest only mortgage, part mortgage and part loan. Since 2007 i have bought my family home and got NRAM's permission to let my other property out. This permission cost me £250 and was for 12 months…
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Halifax Mortgage Process
Hi all, Not sure if I should be worrying or not and believe me i'm trying my hardest not to but as all can empathise waiting on a mortgage is terrifying!! Anyway I am somewhat concerned and not sure what to do. I applied in branch with Halifax on 5th November, went through all the application process I think! Took all my…
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Mortgages and dependents
Hi, I'm struggling to find out the impact of having dependents on getting a mortgage. Esentially, my husband and I are trying to work out whether to buy a house first or get on and start a family. Due to our ages (33) we want to do it all! Does being pregnant while getting a mortgage have an impact? How much does having a…
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Mortgages for people who have lived overseas
Hello, I was surprised my bank, Nationwide, told me I could not apply for a mortgage because my UK employer sent me to work in France for two years. They said they only lend to people who have been UK resident for the last 3 years. Will this be the same with all mortgage providers or do people know of banks that will be…
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First Time Buyer Query
Hello All, I'm new to the forum but have had found it extremely useful in this stressful house buying process so far! We have the mortgage valuation and survey being carried out today on the property we've had our offer accepted on. We've applied for a mortgage through Nationwide. I just wondered if anyone can give me a…
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mortgage arrangement fee santander
I have had a mortgage with satander for 7 years, all of a sudden I get a bill for £250 which they say I agreed with when I took the mortgage out. Obviously I cannot remember this and find it hard to believe they can demand this money after 7 years. They're excuse is they have only just got the systems in place to collect…
