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Halifax Initial fees question
Hi, Couple of quick questions. - Does anybody know which credit reference agency Halifax use for mortgage application? - I have received a payment reminder from water company in Oct 2014 but i paid in full after I received this. Will it create any problem for me? -If there is a initial fee on product and i decide to add…
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Mortgage questions
I wonder if anyone can help me, my situation is a little complex... I have a Yorkshire Bank mortgage with my Ex partner which he is applying to take me off at the moment. I haven't lived there for 18months so I think they are going to give him the mortgage in his own name now he has proved he can manage. I am now in a…
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NRAM possible settlement of Unsecured element of Together Fixed loan
I don't think I am duplicating here - sincere apologies if I am - I have had a good look through. NRAM could do with their own forum section! I phoned NRAM today to make a settlement offer to them for the unsecured element of my Together mortgage. Passed from pillar to post for about 30 minutes to be told that neither the…
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Can I exercise right to buy after mortgage rescue?
Hello All, a few years a go we had to go through mortgage rescue and a housing association bought our house off us and we rented it back. At the time it seemed like the right thing to do, we have kids and didn't want to be homeless. Over the years we have really wished we had tried a bit harder to keep the house and…
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Transfer of equity on mortgaged property
My husband and I have 2 rental properties that are in my sole name. As I pay 40% tax and he pays 20%, it makes sense to do a transfer of equity so they are in joint names and then our tax liability on the profits is split equally 50/50. We have made enquiries and the legal fees for this are around £250 per property. There…
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buy to let or normal mortgage
Hi all. This is my first post here, so please forgive me if its not in the right section or what not. At the moment I work a seasonal job abroad for around 8 to 10 months of the year. I am looking at buying a house in england. As I work for the most part out of the country my potential house will be vacant. My question is…
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How long does a 2-year fix last?!
Yes, I'm aware how daft the question sounds. I'm currently having a bit of a catastrophe remortgaging a house I currently have on a consent-to-let with Cooperative to a proper BTL. My Coop residential mortgage started on 16/01/2013, when I lived there and had no plans to move. Less than a year later I had to move 150 miles…
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Mortgage issued with retention, advice needed
Hello everyone. I'm just curious about my recent mortgage offer, my partner and I are first time buyers and we don't fully understand what the below means for us so we were hoping for some answers. I have an appointment with my broker to go through it but I was hoping to get some answers as I'm a bit of a worrier! It says…
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Post Office Remortgage and Changed Circumstances
Hi, Current mortgage circa 200k (120k repayment, 80k interest only) Current House value circa 260k Age 50. Looking to remortgage (3yr fix with Post Office/BOI is just up). Circumstances about to change (leaving the Forces). Income reducing to £38k joint (wife's plus my Forces pension) from 1 Feb as starting my own business…
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Mortgage with a Default?
Hi All I am new here but been reading up on a few posts and washoping for some advice. Just looking to buy a house, but I have a satisfied defaulton one of my old accounts from 4 years ago. Is this going to stop me fromgetting a mortgage or just make it very very difficult? I am wondering whetherI should give up now and…
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Single Application?
Afternoon, Im married with one child (and one on the way), my wife works part time but on a zero hour contract. If i make a mortgage application just based on my salary, would affordability include dependent(s)? Thanks in advance
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Paying tax bill on credit card
Hi there, Just a quick question, I am looking to apply for a mortgage in around 2 months. I do all of my purchasing on my credit card and then pay it off each month (I gather this won't affect my affordability as I don't put on more than I can pay off) - I am wondering if I can pay my tax bill on my credit card to take…
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Mortgage Interest Only-Advice Needed for My Parents
Hi Everyone, Really need some help for my Parents...Basically they have been ill advised previously and have ended up with an Interest Only Mortgage that is due to end April 2015, they either have to find £73,00 or as been advised by their Mortgage Co. Sell the House...They thought they would be able to sign the house over…
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PPI on Mortgage caused arrears
We took out a mortgage back in 1992 (paid off in 2002) and the society sold us a ppi policy that we paid monthly for accident, sickness and unemployment. We needed to make a claim on the policy for redundancy and it was accepted etc BUT the ppi insurance company failed to make payments on time to the mortgage company and…
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Porting Mortgage
I own a house with my brother. We plan to sell in about a year's time in order to buy our own places. Is is possible for one of us to keep the mortgage we currently have (it is a really good rate, tracking the BoE +2%) or do we both have to take out new mortgages?
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Porting Question
Afternoon, Im looking into moving house and im 1 year into a 2 year fixed Woolwich product. I have a property i rent on consent which was fine when the mortgage was originally taken out at 90% LTV. I now believe that Woolwich have changed terms and condtions to state if you have a property in the background you must have…
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Current Climate and Endowments
Hi, My endowments are due to pay out in 4 years, what are the chances they are going grow with this current economic climate. Also I have 2 endowments running with the same company, one is Red Alert :mad: and the other is Green :j. Should I be contacting them and ask what is going on. :beer:
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Nationwide Current Accounts
Currently with a Nationwide mortgage and am looking to port and move in the near future. There are a couple of decent deals reserved Nationwide current account customers. Would it be worth switching bank accounts? The wife would be a joint applicant, so presumably we'd both have to move (currently both with different…
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Finding a Mortgage Broker
Hi all, I'm trying to find a broker who doesn't charge alot to sort out my mortgage. I'm under 60% LTV but I am doing some debt consolidation which have accumiated from a new kitchen and bathroom. I have had 2 late credit card payments in the last 12 months. I spoke to one broker who quoted me £999 for there fee plus I…
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A few questions about mortgage application
Hi all I am due to apply for a mortgage with the Clydesdale bank this week, it has been 10 years since my 1 and only previous application so I have a few questions im hoping someone can help with. There is a £1000 mortgage fee and a further £400 valuation fee for the mortgage, are these only payable if you are accepted for…
