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Find out if it's freehold for free
I have a terraced Victorian house and a mortgage with HSBC. I happened to search for it on the Land Registry database and there are two entries: one for freehold, another for leasehold under the exact same address with the same date on it. I searched through the folder of documents I got when I bought the house and from…
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Shared Ownership for the Council Flat I live in
Does anyone have any idea if it is possible to buy the council flat I currently live in under the shared ownership scheme? or is it selected properties.
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Bankrupt Ex-Wife still on mortgage!
Hello, Every month NRAM send a letter to me and a letter to my ex-wife through my door. I'm understandably unhappy about this, as is my wife, and still they keep coming. Despite my ex-wife claiming bankruptcy and selling her share of the house to a third-party (who then sold it to me for £1) she is still named on the…
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Likelihood of mortgage acceptance?
Asking for my work colleague who's saving a deposit for a house, but she's waiting a while to look at her credit score, so told me to do it (she literally turned her head away from the screen). 1 default on a tesco mobile of £400 is outstanding since last year, but nothing else bad (she's on the electoral roll, but not…
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Virgin money application
Hi there Really worried about my application. I'm a ftb and submitted application over a week ago. Asked FA if he'd heard anything and he was told the loan amount requested was unaffordable so they went through their own calculator and it came back it was affordable, as it was from the very start?! So the case has now been…
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Mortgage advisers welcome
Hi i have posted the following message on the credit score section but was advised to post it here to see if any mortgage advisers could give have a look..... thanks Hi I am looking at getting a mortgage next year for around £70-80k AT 95% LTV on a standard variable/tracker mortgage I just want to know what you all think…
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Renewing Mortgage
Our fixed rate mortgage will come to an end in April 2015 will be thinking about a new offer maybe with a different lender. Our circumstances have changed as we have 1 child and expecting another one this month. My wife will be on maternity leave when its time to renew our mortgage so her payslip won't so much etc. My wife…
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Britannia Overpayment - confused
Hi I am just looking into making a one off 10% overpayment on my mortgage balance in January c£10k. When I spoke to the lady this morning, they confirmed I could do this without a charge and that my monthly payment would also come down, but term would stay the same. I am assuming by doing this I will not see a huge benefit…
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Renewing Santander Mortgage Online
Hi guys I was wondering if anyone has recently renewed their mortgage online with Santander? Mine is up for renewal in March so I only have three payments left to make before the deal I am on expires. I have seen that you can do this online, but when I enter my mortgage account number it keeps saying not recognised and to…
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Signing documents at solicitors
We have an appointment tomorrow to go in to our solicitors so they can do their last checks and we can sign our contracts. Yay!:j I am surprised at how nervous and excited I am feeling though! I have a few questions: What happens and how long will it take? I am Imagining another mortgage interview style grilling here! We…
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new build 15% or 20% deposit options mortgage
Hi We are currently considering booking a new build semi near Belfast Northern Ireland, won't be ready till May (I think this limits are mortgage choice). Anyway property is about £191500 plus £10000 for garage. We are undecided whether to put a garage on property. These houses are turnkey but we know we will need to…
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Halifax declaration of intent form
Hi guys I haven't posted in ages but you are all so helpful so wondered if anyone can help me please. We currently have an interest only mortgage with Halifax. We've been on the SVR of 3.99%% since May this year. We owe £199,900 with a LTV of 77% as told by Halifax. Are current payments are approx £675 but we are paying a…
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Shared ownership or 100% purchase?
https://forums.moneysavingexpert.com/discussion/5129980 Sorry, I posted as above but presume it was too long and waffly for anyone to want to read through! I have tried to summarise: I have 40% of a SO property valued at £72k (mortage balance £51900), bought for £62k a year go. Looking in the area there are one and two bed…
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Nationwide Overpayment / Payment Holiday
I have built up quite a large over payment reserve on my Nationwide mortgage - apparently I have a mortgage (I don't have my details at my desk at work) where I cannot borrow back these over payment funds. I was wondering if I could however have a payment holiday for a month and would this affect my credit rating at all? I…
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maximise remortgage?
Hi all, I'm just in the process of remortgaging and have a question. We are fortunate enough to have our house increase in value during the first four years of ownership. Whilst considering new offers my first thought was to keep the same monthly repayment, whilst benefiting from a lower rate (due to better LTV) and as…
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Nationwide Mortgage
Hi Guys I got an AIP for £125,000 but I've had an offer expected for less. I was planning on completing the application via the online option but I am guessing that I'll need to amend the mortgage amount I am applying for? Would this mean I'll be credit scored again?
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Mortgage Application with one default
Just about to apply for a mortgage with Nationwide with my partner. Between us we have one default on our credit file which will be removed on the 18th December 2014. We have booked our mortgage appointment with Nationwide on the 18th December. I am an ex bankrupt from 2004 (fully discharged and not on credit file) and my…
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Contractor Mortgages
Dear All, I would really appreciate any help you have to offer. I am a first time buyer. I have read the money saving expert articles and spoken to those brokers recommended however they did not seem knowledgeable on the specialist needs of 'contractor mortgages'. I am working as a locum physiotherapist and have been for 1…
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Mortgage and default on account
Hi My husband has a default on his account from oct 2009 for £350 due to an error on our point where a dd hadn't been cancelled and kept being taken, in the mean time we moved and wasn't aware of the issue. However, we are now wanting to get a mortgage. We both earn good money and been told we could get a mortgage for…
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2 or 5 year fixed rate?
As a FTB, I am struggling to decide between a 2 or 5 year fixed rate mortgage. There is a difference of £107 in it. Can anyone give me some things to think about when making my decision, please?
