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Mortgages and pregnancy
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Mortage and mobile upgrade
Good morning! Just a quick (and hopefully easy one!). We will be applying for a new mortgage soon, as soon as the right property comes along. My mobile contract is due for renewal in a couple of weeks. If I stay with the same mobile provider and upgrade with them / change my tariff will this go against me on the mortgage…
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A bit of news re porting a mortgage
http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/11310046/HSBC-the-latest-lender-to-block-mortgage-porting.html It seems like there is a bit of clarity being brought to the attention of Lenders regarding the MMR with regards to how to assess existing customers. "The regulator did introduce tough…
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Estate Agents and pressure to use their brokers
We are seeing increased incidence of Estate Agents trying to pressurise buyers into using their in-house mortgage brokers. Two clients we are dealing with currently were told by separate Estate Agents that their offers would not be put forward unless they agreed to meet with the Estate Agent's mortgage broker. If this…
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Lender that conforms to CML guidelines for solar?
Hi, We're trying to sell our house, and our buyer's lender has refused to lend to them because of the terms of our solar lease. It complies fully with CML guidelines, but the lender (Coventry BS) has extra requirements which, understandably, the solar company won't add to the lease. Can anybody suggest any lenders that…
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First time buyer enquiry
Hi Everyone , I hope someone can help me with my query. I am about to purchase a property. The deal i had with the owner is 150000 pounds, but the current value of the property in the market is about 190000 pounds. I have a very good relation with the current owner , and he is somewhat related to me thats why i am getting…
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older mortgage applicants
I have applied for a joint mortgage with my partner, who is 8 years older than me. Due to the fact that he will retire in 12 years time they are only prepared to offer us a 12 year mortgage. they have said that they may be able to extend the term to the 17 years if we can provide proof that we have a pension that will…
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Does a show home count as a new build?
Hello, I have been looking at houses however I have noticed when looking at new builds, I am only offered a mortgage at 85% LTV. I have seen a show home which I believe has been 'pre-registered' if such a thing exists as I am able to look at it's sold value on zoopla. It was finished 3 years ago and is the last house on…
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Using 2 Mortgage Brokers
Can a person use 2 mortgage brokers at the same time? The 1st mortgage broker is messing around ignoring phone calls, has had my stuff for about a mo th and so far nothing has appeared on my credit report? Should anything appear on my credit report when he looks for a mortgage for me? Will it be possible to go to another…
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Mortgage just before huge wage rise?
Hello, We are applying for the LIFT scheme in Scotland. Application sent in October so on the waiting list for the new financial year. Question is regarding obtaining a mortgage on low incomes. My husband is currently an apprentice earning £12,121p.a this is due to jump up to £21,000 ish in July. Obviously this will make a…
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how much is GMAC RFC SVR?
Hi, our mortgage was sold by GMAC to Mortgage Express. I'm looking into a possible query with Mortgage Express, but first could someone please tell me what GMAC's SVR currently is. Many thanks
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First time buyer ( national counties building society )
Hi guys, New to this forum, but have been reading through and feel you guys may be able to offer some advice. I am a first time buyer with a 5% deposit. I have had plans to go with nationwide with a rate of around 4.79% which seems to be the cheapest for that type of mortgage. They offer 1000 cash back and help with fees…
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Joint mortgage advice
Hi I was just wondering if anybody could offer any advice please. The circumstances are that I purchasers a house paid 105000, it's now only worth 95000 max. My partner has a property which he is wanting to sell, my house is currently rented out. We want to get a joint mortgage, however I am not sure I would get another…
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Borrowing on my mortgage to pay off debts
Hi I have a repayment mortgage with 24 years to run. The balance is approximately £54,000 on a property valued at around £90,000. (Sorry I don't have the full details on me at the moment). A few years ago I was left unemployed and struggling to pay my mortgage so the council gave me an interest free Breathing Space loan,…
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Tesco mortgages?
Anyone remortgaged to them? Are they any good? Thanks
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Help! BR end of 6 years post discharge certificate?
Can anyone help. We are with a broker that was recommended by a friend. Here is a bit of history - BR August 08. Discharge April 09. Got a letter confirming this date. (Have never got the certificate - tried once but local court closed down and it was proving difficult to do). We have saved up and now have 10% deposit.…
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Any type of Ombudsman if Mortgage refused?
Daughter bought house jointly with ex husband in 2007. Separated and divorced 2010. Ex's name remained on mortgage as bank unable to take off - due to daughter's part-time worker status and two young dependant children. She was, however, fully responsible for all mortgage payments as agreed when divorced, and Ex has no…
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TSB customer confirmation letter after online check for agreement in principle
Hi, On Sunday I used the TSB website to look at a mortgage deal and put the "basic" information in to get an agreement in principle. I was expecting a phone call on Tuesday to go through the details and get a confirmation if I could get an agreement in principle. I didn't get this phone call and today a letter arrived…
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Help with a calculation
I think i am being particularly dense but i just can't work this out. If , for example, i had a property worth £150k With a mortgage of £55k I wanted to rent out the property, and needed to remortgage on a buy to let releasing some equity to buy a bigger property to live in. I would get a 75% mortgage on the BTL property -…
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London and County and West Brom?
Been speaking to London and Country and they have suggested a remortgage deal with West Brom. I have never heard of West Brom. Does anyone have any feedback on them please? By way of background we need to remortgage just to get a lower rate at the end of our fixed deal. Need 178k. (Sorry London and Country)
