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Bank statement concerns
Hi, I will be making my mortgage application in the next week and i am concerned about my bank statements. we have den going it our overdraft at points during the last 3 months with xmas etc and I wondered how much this can effect the decision ? It is cleared every months but sometimes dipped into again.. we have been…
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before completion can I....
Hi, looking for some advice really. I am in the process of purchasing a flat and have accepted formal mortgage offer. Solicitors are now in liason and searches are commencing . My lender is Santander and they keep offering me their 123 current acount , I'm interested in opening it for the multitude of perks but is it wise…
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Mortgage Valuation fees paid by Credit card
Hi Guys, This forum has helped me a lot to keep my finances in shape for Mortgage application in last few months. Can some please let me know if paying MA and Valuation using credit card will affect my mortgage application during hard search. Bit of Background. I'm a FTB and using HTB equity share to get on the ladder. I'm…
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Buying Off Plan property
This is somewhat related to my other topic on Mortgage lending amount (Agreement In Principle). So I figure better to be in a separate topic. When buying off-plan via Barratt homes. I think they wish to exchange in 28 days of reservation, and complete in about 3-6 months time. In order to exchange, does this require a…
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Joint account and deposit
Hi all, couple of points to iron out if you can help. Basically I have the bad credit. No defaults now but have a CCJ that goes this July. Late payments over 5 years ago and PDLs, last one 3 years ago. Wifes credit is the best it can be but as we want to relocate back home (NE) her wage can't be used as she will have to…
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Managing a Woolwich mortgage online?
We took out a Woolwich/Barclays mortgage in December and want to manage the mortgage account online through online banking. We have no Barclays bank accounts. Tried registering online as per the Woolwich website's instructions and keep getting an error code. "64 - Sorry, we're having trouble registering you online. Please…
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2nd mortgage + room rent
Hi I have a few questions for the board so will try explain circumstances first. I have an existing mortgage of £5.7k on a small flat which I am paying off at £130 per month. Solely based on my salary and nothing else and according to the L&C website calculator I can afford a mortgage of up to £200k. I would like to buy a…
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credit score
Hi, this is my first post here so please bear with me! We have just sold out house and are in the process of beginning to apply for a mortgage. Both me and my husband have experian accounts (mine is classed as good, husband as excellent). As we are supposed to be speaking to our broker tomorrow, I decided to look in detail…
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Job Change when i have a mortgage in principal
Hi - Hopefully someone can shed some light on this. My Partner and I have found a house we're happy with and want put an offer in :D . We have a mortgage in principal & both in permanent full time employment. Last week i accepted a new job - it's in the same field i work in, but better prospects, better security - initial…
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Pay rise and impact on mortgage application
Howdy. Me and my partner are looking to purchase our first home. We have a 10% deposit available. We will be looking to get an AIP in May once I've cleared my remaining debts. My question is that in June I will be temporarily promoted to cover my boss at work (who is off on maternity leave for 6 months). The pay rise is…
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looking for a mortgage
Hoping someone here may help put my mind at ease , About 12 years ago my partner and i lost our house due to a loan that was secured on it , We never missed a payment on our mortgage .When the house was sold the mortgage and debts on the house were all paid off , We are now in a position to look at buying a house we have a…
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Best option for joint purchase with older parents?
Hi there, I am looking to buy my first property jointly with my parents. They are not gifting me the property; we would like to contractually split it. They would put down half of the value in cash and I would put down some further cash but I would need a small mortgage on the remainder. I would pay them a small amount…
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Tracker mortgages when the base rate rises
I have HSBC's interest only base+1.49% lifetime tracker at an LTV under 40%. I'm attracted by their 2 year 1.49% (£299 fee) which would save me about £1400 over two years. My concern is whether, when the fix ends, I will regret having dumped my lifetime tracker. So my question is: from past experience what % over base do…
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How much Overall?
Ok so some of us face the battle of saving a 5% or 10% deposit. So once you have reached you target, how much does the rest cost? I.e legal feed etct etc. Just trying to get a ball part figure as yiu think you have done the hard part saving then you could hit for a few more £kk TIA
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Natwest full application time scale
Hi all Our full mortgage application was submitted last wednesday as far as im aware, we had to take in other documents in to the mortage broker on friday and signed the direct debit mandate and another document. I am just posting to see if anyone knows approx how long it should take to hopefully get the mortgage approved…
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Mortgage application and saving accounts
I am planning to apply for a mortgage a the end of 2015, in the meanwhile I am building my 20% deposit. Now I am looking to maximise the interests on my deposit and to get good rates it seems the best option is to divide the deposit in multiple saving accounts (santander 123, tsb plus, an ISA and so on). I will not ask for…
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Missing Documents
im hoping someone can re-direct me to the correct board if this is not the right place to post I put my house in trust to my children around ten years ago but have misplaced all the documents relating to this Im pretty sure it was arranged via tesco finance but have no idea how to start replacing the documents - any…
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whats best for me to do? remortgage?
I own 2 properties, first property i live at (joint owner) with my wife which is worth £180k (£135k mortgage 20 years left to pay) my other property is student rental (im sole owner)worth £90k bringing in income of £9k year (£36k 19 years mortgage left to pay) im making large overpayments per month on this which will see…
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Who do I trust (Mortgage borrowing amount)
Hi folks, So my wife and I are starting to look for a bigger place to live. She has her own property, and so this will be my first property (A first time buyer - or so I thought, until I discovered that if you're married and your wife owns a property, you're disqualified from the first time buyer scheme - wish I knew this…
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mortgage shortfall
Hi Im looking for help to cut a long story short, my ex husband throw me and my son (age 2 at the time) out the home we shared, then after month or so moved his new girlfriend in after time he promised to pay the mortgage then found out he didnt and the house for repo I couldnt not get off the mortgage at the time because…
