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Mis-sold an unwanted re-mortgage deal by Santander - verbal contact binding?
Hi, last Summer I was trying to negotiate an additional lending mortgage agreement with my bank, Santander, so that I could purchase an additional percentage of my shared ownership property. I had a number of hour-long conversations with a mortgage advisor at the bank (it was at the time that the Government tightened…
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Works done w/out building regs
Hello, I'm selling a house in which I've put in a new roof window and new patio doors in the dining room. In both cases I was replacing old, single skin versions. I think I needed to get building regulations to do the works - didn't realise at the time. What should I do? Play catch up and declare the works done on a…
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sub mortgage
I have 2 parts to my mortgage. Both with RBS, one is on a rate of 1.6 % and the other 3.05% This is called a Sub Mortgage, does anyone know if I can keep the 1.6% with RBS but move the 3.05% to another lender if I can get a better rate ? Or does a Sub Mortgage mean they both have to stay with the same lender ? Thanks
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Mortgage with 5year old default
Hi Looking for a bit of advice, what are the chances of me & my husband getting a mortgage with a 5 year old default - have a 8% deposit for a £165K mortgage and we earn just over £50K combined?
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Covenant on field behind my house?
Hi, How do I find out if there is a covenant on the field behind my house? And how long it is 'Live' for? In the deeds? We paid our mortgage off last year. It was with Nationwide. The Land Registry site is only offering a Title Register, Title Plan and Flood Risk Register, which I don't think will contain the info I need.…
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Nearly there
Hi I have just two more monthly payments until my mortgage is paid off...having never been in this situation before, is there anything I need to do? Do I need to go to the bank and sign stuff! or get the deeds etc? Cheers
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Remortgaging, my valuation & the surveyors valuation
Hi all, Just in the process of remortgaging. When I put the application in I valued the property at £205k. I based this on a number of things. We bought the house for £186500, but the property was on the market for £199950. The reason for the lower price was down to there being no central heating in the property (storage…
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Mortgage Brokers
Hi All, Just after some advice on Mortgage Brokers, does anyone have any recommendations on which Mortgage Broker to use for an application (FTB). I have spoken to London and Country and Just Remortgages, however as I have never used any of them before, just after some feedback and advice. Thank you, Mark.
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Mortgage at 50 +?
My partner seems to think getting a mortgage would be impossible at our age ( 51 & 52) So id just like to check it out before i draw a line under the situation so to speak. Here is our circumstances: I work 25 hours a week, my partner is 40 hours plus OT. We have 20k savings, and heres when it gets confusing, my OT has a…
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Help find mortgage advisor for a self-employed
Hi, I'm looking for a mortgage advisor able to deal with my particular situation: - self-employed consultant through own limited company for 3 years - Personal income - probably too low for a good mortgage - Company turnover - quite good - Deposit funds available - lower than ideal I'm fine paying a reasonable fee for…
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The Weekend Documentary: Can The World Get Richer Forever?
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Small monthly overpayments
I'm looking for a bit of advice,maybe from those who do similar-In the not too distant future we'd like to start making small mortgage overpayments on a monthly basis,by small I mean maybe £100 extra each month. we are able to overpay a certain amount each year on our mortgage so no probs there,I just know when I've…
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When can we start to spend again?
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MA picked a different lender
Hi guys, Just after your opinion on this: I am an Australian citizen on a tier 2 work visa and I'll be eligible for permanent residency in 3 years (work visa valid for 4 years). I recently got an AIP with Natwest for 290K with a 75% LTV. We were thinking of either a 2 or 3 year fixed term mortgage. I made an offer on a…
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Re-mortgaging and endowment
Hi, I wonder if anyone could check my thinking on the best way to go about utiliising an endowment that is about to mature? We have a £140K mortgage - £100k repayment, £40k interest only. This is fixed at 4.68% and the fixed term ends in May next year (whole mortgage term is to 2028). We can pay off a maximum 10% lump sum…
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Mortgage - house valuation issue
Hi all, Recently made an offer on a house in a desirable location where few houses come to market. All was going well until today when the valuation came back lower than expected. Offer accepted was £225k, valuation came back at £200k. We are first time buyers and therefore require a 90% LTV mortgage, meaning we can now…
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Mortgage - house valuation issue
****Many apologies - somehow I've managed to double post. Please delete/ignore this thread. Thanks Hi all, Recently made an offer on a house in a desirable location where few houses come to market. All was going well until today when the valuation came back lower than expected. Offer accepted was £225k, valuation came back…
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The Mortgage Point
hello can anyone shed any light?? I used the Mortgage point 8 years ago, since shortly after that i was paying them £50 a month as i changed insurance or something cant remember all the details. However i recently went through my finances and realised the DD was still being paid every month!! I tried to contact them…
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Combine mortgages
Hi I have one mortgage that has 10 years to run on my house and another that has 23 years to run on a London flat What I would like to do is use the equity in the London flat to pay off my main house and be left with a mortgage only on the London flat. Does anyone know how to do this as it sounds very complicated?? Is this…
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Help to buy mortgage rate
I am looking at mortgages to get an idea of rates for help to buy. The rates are not competitive with a 5% deposit. We can put down approx 10% so would this give us a better rate? I can't see any 'help to buy' mortgages at a lower ltv. I will get a broker for this but just considering options at the moment.
