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Proof of address and bank details
Me and my OH are going to see a mortgage advisor soon and are gathering all our documents together to take with us. However something has occurred to me that might be a problem: when I left home for university ten years ago I didn't change the address on my bank account, but left it as the address of my parents house.…
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Remortgage/credit card debt advice
Hi everyone, I'm looking for some advice... have looked through a few of the other posts, but nobody seems to be in the same situation so thought I'd post separately and see what you all thought. To give a bit of background, my partner and I bought our first house 2 1/2 years ago. We saved up a 5% deposit, but not really…
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Advice needed
Hello and happy new year! I am after some advice please, I have seen a house I would like to buy its for sale at £119k although I want to offer £110k my house I live in now is very small and I want to have a decent sized living room etc I have £45k in the bank I own 2 houses outright one I live in and one I rent for £390 a…
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Mortgage Deal Ending - Release Equity
Hi all, Our current mortgage deal ends Sept 2015, 3 yr fix at 4.95%. We are with Nationwide so are aware of the option to switch deals early in June, providing we stay with them. Obviously im looking at getting a better deal than 4.95%. This was a 95% mortgage deal. By the time the deal ends our outstanding Mortgage will…
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End of term Mortgage
I have a mortgage that is nearing its "end of term" with a company called Mortgage Express. Unfortunately my credit rating is not very good at the minute & consequently I am unable to get another mortgage any time soon! I am desperate to keep hold of the property. Has anybody got any ideas what options might be available…
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Mortgage booking fee - Rate lowered
Hi Can anyone offer advice on where we might stand with regard to mortgage rate booking fees? We are currently remortgaging with First Direct - we are existing customers, just increasing our mortgage for home improvements. We were offered a rate a few weeks ago of 2.73 for a 5 year fix and we paid a booking fee to reserve…
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Buy to Let & Remotgage Help Please?
My Partner and myself would like to move in together, in to the house one of us owns and for the other person to keep their house as a buy to let. Ive looked at the money and am confident we can remortgage one into both names and get a buy to let for the other. However, my confusion and question to the forum is, in what…
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Am I right to be annoyed! Mortgage application
Hi All, I was hoping to get your perhaps more experienced advise. We have arranged a mortgage through a local broker. We had an agreement in principle. We had an offer accepted. We returned to the broker so get the ball rolling. The head of the company was on holiday so we spoke to her daughter who worked there. We…
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2.39% 5 year fix First Direct, cheapest in UK, or stay on my 2.39% tracker?
http://www.theguardian.com/money/2015/jan/02/mortgage-price-war-starts-banks-cheap-ixed-rate-deal Currently with HSBC on 2.39% lifetime tracker, worth moving to the 5 year fix as rate increases seem inevitable over the next 5 years...
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remortgage on maternity leave
Hi, We are looking at re-mortgaging in a couple of months and just wondered whether anyone had any recent experience of re-mortgaging whilst pregnant or on maternity leave? I know a lot of lenders will use your back to work salary which is fine as I am planning to go back full time after approx 9 months (baby due April,…
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Move mortgage or sell-up for next project?
Long time lurker, just registered to hopefully get an answer/feedback to my current predicament. Maybe the MSE experts can advise? My wife and I purchased our first house, a do-er upper in May 2012 for £200k. 3 yr fixed at a terrible rate as we took the option of a lower deposit to free up cash for the do-upping. We've now…
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Do any lenders allow debt consolidation when re-mortgaging?
Hi I have just become single and although ex is on the mortgage he never paid the mortgage or any household bills and is saying he will happily sign over the equity in the house. Whilst doing this I want to re-mortgage, possibly go fixed and consolidate my CC debt and get some work done on the house. Is that possible?…
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Remortgage or switch?
Just spoken to my mortgage provider and they have informed me the loan to value based on the house prices index is 71%. I am really happy with this as 3 yrs ago we took a fixed rate on a 90% ltv. My current fixed rate deal ends at the end of March. We want a five year fix. I want to stay with the Post Office but is it best…
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Mortgage arrears and bank account
I have arrears on my mortgage and was asked for income/expenditure information, I gave this over the phone, they then proceeded to look into my bank account to verify the information I had given them, has anyone had this happen to them? is it allowed? I was shocked that they were able to do this, it was strange having…
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Changing bank
Will me changing who i bank with effect me in obtaining a mortgage? Ive been with HSBC all my life and i would like to change. Thanks,
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mortgage advice for one self employed
My girlfriend and I are looking to get a house to live in. I have done the calculator with our combined income but it says on it it is harder for self employed. When we come back from travelling she will be going free lance as she can earn more money this way. If one is self employed but one in full time employment does…
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Mortgage application
Can a mortgage application be declined if you have only been at current address for 3 months?
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Fixed or Variable
Hi, We are updating our mortgage package soon and we're trying to decide between Fixed or Variable rate. We are currently with (and will probably stay with SBS) http://www.skipton.co.uk/mortgages/ I've plucked a couple out - 5 Year Fixed:…
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First Time Buyers, one permanent, one fixed term contract, is this feasible?
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buy to let mortgage-change of tenant
My mum has a buy to let mortgage which she has had for about a year. Does she need to notify her mortgage provider if her current tenant is moving out and a new one is moving in? Many thanks
