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Mortgage, house repossession, house oversold but i havent recieved the money
I need help! I took out a mortgage in 2006 with my now ex partner. We split up around 18 months later and we agreed, at the time, that he would carry on living in the property (he didnt want to leave) and I would move back home and live with my parents. I informed the mortgage company of my new address verbally and in…
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saying no to a mortgage in principle
We have had a offer accepted on a house so we went with the estate agents mortgage advisor however he made it seem Like such Hard work finding a mortgage for us and basically said he could only find us one to suit us because we had no credit rating (we never get anything we cant afford and always pay things off in full) we…
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Joint or Single mortgage?
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how long do credit reports take?
Waiting for our IFA to give us results on our credit reporr. He submitted it yesterday. Any ideas on when we'll get results?
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Tesco Mortgage
Hi Yesterday, I applied online for decision in principle with tesco bank and it was referred. A bit about me , i am working on a decent salary , and mortgage i required can be afforded on my salary however i still added my wife on the mortgage application. My wife is been in this country for 2.5 years and she works part…
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Porting mortgage
Hi Currently in a fixed rate mortgage with Coventry BS until 31/12/2015 I want to move to a more expensive house. If I remain with them will they give me a bigger mortgage without any penalty? thanks
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Releasing the deeds
Long story short, my nan and granddad have both had health problems these last few years (nan - heartattack 2012, granddad - stroke 2014) so have been sorting their will out. As they own their house (mortgage fully paid 15 ish years ago) they need copies of the deeds to their house to register the land (don't know the full…
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Getting mortgage with Deed of Trust
Hi All, My wife and I are currently living and working in London and have been renting for the last 4 years. We have some savings and I am in the fortunate position that my parents want to help get us on the ladder. This is not a gift but they are not specifically looking to earn interest or have us pay back instalments.…
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Advice on getting into good mortgage position
Hi- Just looking for a bit of advice on getting a mortgage in 12 months time I rent with my boyfriend and we both moved in together from rented accomodation- we both have previous credit problems due to marriage breakdown In my case my husband was leading a double life ended up in serious debt that i knew nothing about and…
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Remortgage before moving
Hi We have a fixed rate mortgage deal that ends in May. Current payment is £718 p.m. The mortgage will revert to SVR after May and payments would increase by £138 p.m. (and no early repayment charges). The obvious thing would be to move to a better deal however to complicate things, we are also looking to move sometime…
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BTL mortgage declined due to unlettable state - first we'd heard of the criteria
Hi there, This is a bit of a long one - I hope someone can advise! A few days ago we had a BTL mortgage application to Virgin Money declined and the reason given was that the property is not in a lettable state. This was frustrating as we *knew* that the property isn't in a lettable state (it needs a new kitchen, central…
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Self build/renovation mortgage
Hi, First post on here, the question I have is I have a 2 bed house which we have received planning permission for and are ready to start as soon as fund's are secured. We are going to be adding 1 extra bedroom and 2 extra reception room's and a large workshop (11mx7.5m). Over all value should be about £270,000 according…
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missed our window for a mortgage
myself and my partner are working towards getting a mortgage (hopefully). were currently sub prime and dont feel well be in a position for another 3-5 years. By this time hell be over 40 and ill be heading towards it. I have savings from inheritance for deposits, its just a case of credit. Ultimately we want to get a…
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Buy to save schemes after Debt/Buy to let
I meant Save to Buy Schemes in the title and now can't change it! Dear All, Please could I have some help. I am soon to end my debt journey hopefully never to get back on it! I have a debt management plan and my defaults will fall off my file in December 2015. I live with my fiance (we got engaged on NYE!) in his house…
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First time buyer Dilemma
Hello All. Myself and my wife are first time buyers with a combined income of £80K/Annum. We are looking for our first home upto a value of £250-£300K. We are pondering on whether to go with the government's help to buy scheme or go it solo with upto 10% deposit. We are looking for some impartial advice from fellow…
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Mortgage Deposit vs. Outstanding Debts
Hello all, Sorry if this is a tad confusing, brevity has never been one of my strong suits. My wife and myself are looking to purchase our first property (we currently rent) due to some previous credit problems with myself (a propensity as a student to take out cards/mobile phone contracts and forget to pay them!) we had…
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statutory credit reports
Hi does ordering your statutory credit report form experience (the £2 one) effect your credit rating at all?
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Buying the property I'm currently renting
Hi all, I'm currently getting ready for drafting of a contract with my landlords to buy the property I currently rent. They're quite keen to have the completion done end of April (so as not to be hit with a early repayment penalty) and I'm equally keen to complete quickly to start paying into my own pocket. We're looking…
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Disabled/ESA how will I get a mortage?
Hail! I am currrently on ESA and wife works under 16h. I'm in the support group. my question in short is how do people like me get a mortage if ever? We are currently getting help with the rent but landlady is getting forced to sell by her ex partner. We would like to buy the house or at least his half of the mortage. If…
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Answering Y/N to the Bankruptcy Q with Halifax...
My situation is that I entered into an IVA in 2006, this was completed by way of full and final settlement in Sept 2009. Six years after the start date of the IVA ie Sept 2012 all defaults and record of the IVA is removed from the credit report. So as at 2012 I had a squeaky clean credit report, since then I have obtained…
