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Mortgages & endowments

Archives for February 2015

Should I interfere?
Hi guys, Following a renegotiation of price in the week we had to change what mortgage product we were going for with Natwest. Our broker said we should get confirmation of the offer early next week, no worries. I called Natwest a few minutes ago just to check it was all still on track, and they said they are missing the…
Will i get Natwest's new rates
Morning, Im waiting for Natwest to offer formal mortgage decision, valuation is next week and passed underwriting. However i note that Natwest have just dropped rates slightly and want to know if my rate will be adjusted accordingly?
Can I use credit card whilst waiting for my mortgage ?
Hello guys I am currently in the middle of a house purchase ( mortgage been accepted ) I haven't exchanged yet. I have just had a higher than expected vat bill and was wondering if I could put some of it on my credit card? Or will this effect the mortgage. I'm currently debt free other than my buy to let I'm worried if I…
mortgage application
Hi Everyone, I have been a silent reader of this forum for a long time. and really appreciate the efforts people make here in helping others. I hope someone can help me on resolving my query. I made an application in the end of jan with nationwide, but was declined. Now i am looking to make another application with…
Right To Buy Mortgage while on Supported Earnings
I am looking for information on mortgage suppliers while on government assistance - not benefits! I have a child with special needs, he gets DLA and I get carers allowance. I am also self employed and work from home too so I have a small income from that (although not in past few months as I have taken time out while…
Ditch fixed rate mortgage?
Hi there was just wondering if anybody is able to offer advice on the fix rate mortgage that a family member currently has and if they should pay the early payment fees to get out of their mortgage: originally took out a £157,500 - 5 year fixed at 2.99% now remaining £150,000 - 40 months at 2.99% exit fee is 5% which would…
Fixed term/Temp contracts
Hi, my wife is a teacher with 7 years P60's - average of about 30k per year. However, it has all been on year or 2 year contracts. Her existing contract started 01/09/2013 and was extended to 31/08/15....and likely to be extended again. There have been no gaps in employment and plenty of work available. Are there many…
Is this mortgage application progressing?
We have a mortgage application in with Skipton - flew through the decision in principle, but they've been best part of two weeks so far processing the main application. Yesterday the valuation fee was taken from my account via debit card, which means they must have processed the transaction a day or two previously. Also…
Advice regarding new bank account just after mortgage offer
Evening all. I received in the post today my mortgage offer :) which of course I will be signing and sending back. My question relates to opening up a 123 account to pay all of my bills from. Is it OK to apply for this now? Don't want to do anything that Leeds may turn round and say no to me if they do any final checks…
TSB Query
Mortgage is 2.5% repayment and interest is calculated daily. Is it better to overpay monthly or in a lump sum at the beginning of the year? Which would take more off the mortgage? Thanks
what is my best option?
I own a flat with no mortgage on it. I have a buy to let interest only mortgage on another flat that I purchased using 60% of the valuation of the flat I own and 60% of the valuation of the purchased flat. I rent them both out on 6 month tenancy agreements which are managed. I am moving back into the area and need…
HMRC online tax year overview
Applying for a Mortgage with Barclays/Woolwich and they are requesting an online tax year review for 2013. My accountant states that the first year these are available for are the one I have sent namely 2014. Does anyone know if my accountant is correct or not? Thanks in advance
Natwest buy to let remortgage
Hi, I have a property let out, which I own without a mortgage, however my accountant believes this is pointless, so I have a remortgage going through at present with natwest, originally I was using the money to buy another BTL, but that has fallen through and I don't wish to be rushed into finding another, so thought I…
Ulster Bank Mortgage
Has anyone any experience in dealing with UB with mortgage application. I met their mortgage advisor last week and she processed my application stating that I have passed their credit check and that everything should be fine with Underwriters. Is this the only credit check that will be done or will a further check be…
Help with Unregulated mortgage
Hi Rang my mortgage company yesterday to try and remove my ex husband from mortgage at his request but told I was unable to make any changes as it is an unregulated mortgage.I also have a secured loan on property in both our names. Mortgage owed is £95k and secured loan is £21k. House is probably worth that. May question…
Postcode Query
Hello! We recently received conveyancing information in regards to the various searches and such. We've noticed that the postcode on the deeds differ to what we were provided with on the memorandum of sale + a questionnaire that the seller filled in. Now, I checked with Royal mail & both Postcodes are actually valid…
Mortgage Overpayments or Solar Panels
Hi everyone, I've managed to build up some savings and I was wondering what would be the best use for them. I currently have a 4% mortgage and I am able to overpay by 10% so that is an option. I've also looked into solar panel installation and I would be able to get this done for £4,200 - the return on this would be…
I didn't declare HMRC debt - now its backfired on me
I was really worried that my substantial debt to HMRC and monthly payment plan with them would prevent us getting a mortgage. I moved the debt payments to a friends bank account and gave him money in advance for a few months. I didn't declare it and we've had an AIP from Halifax/BoS well over and above what we were looking…
New Built Flat, Completes June, Offer Valid for 90 days
Hi, I have a mortgage offer on a new build flat that completes in Jun 15. The offer is valid from 90 days of issue meaning it would expire on the 27 May. Speaking to my mortgage advisor he said he can't guarantee 100% that they would renew the offer, but he said from past experience and in this case he doesn't see any…
Support for Mortgage Interest
I've heard that this scheme is being scrapped. Does anyone know when this scheme is ending? Thanks

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Mortgages & endowments

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