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Mortgages & endowments
Archives for March 2015
Discussion List
Fees - FTB confused
We've just started looking for a house to buy and having not done this before, are unsure as to how much the total cost to get the keys to a house if going to be. Hoping someone can help as at the moment I am stressing over budget and what we can and can't do. We have an AIP with Halifax for £224,000 but would not go over…
Nationwide - Decision in Principle - Declined
Last night I completed a joint decision in principal application on the Nationwide website. At the very end of the application it was declined, which I believe means it passed their initial internal calculations to have even gotten to that screen (based upon starting but not completing a few) but failed the final credit…
When can i get a mortgage?
Good morning, I am in the situation where i am currently a student and will have a full time job which starts in September. I am in the fortunate position of having enough savings for a sizable deposit so will be looking to buy a flat as soon as possible. My question is about when i can get a mortgage. Will i have to wait…
BTL, letting to family member, problem?
Hello all, I'm hoping someone can give me so advice on the following: If you have a property on a buy-to-let mortgage, is it ok to let the property to a close relative (e.g. sibling)? Would the lender have a problem with this/is it against the rules? Thanks in advance and any help is much appreciated.
Mortgage Shortfall
Hi Not sure if this is the correct forum so apologies if not, but I hope someone will be able to help with this one. So my house was repossessed and sold in March 2009, there was a mortgage on it from Northern Rock (the old 125% one). The sale covered the mortgage and the associated unsecured loan. However there was also a…
Funding of residential mortgage - grounds to force completion?
I am in a complex situation and hoping that someone may be able to advise. We are purchasing a new build. The house itself is complete, however the property isn't as the developers are building social housing on the plot next to the property and are using part of our plot for scaffolding. In order to fund the purchase we…
Mortgage strategy
We are planning to go for a 2.39% lifetime tracking BOE 15yrs with HSBC. With unlimited overpayments, our plan is to overpay as much as possible the first years when the capital outstanding is high, and anyway continue with overpayments as much as possible. I was now wondering what is the best duration for the mortgage…
Any advice would be great.
Ill Try and keep this short and sweet. Thanks in advance for taking time to read this,any input or advice is much appreciated. :) Me and my partner applied for a mortgage with broker, full application with Newcastle BS submitted who are happy to lend subject to survey and a few final documents.They would like me to Obtain…
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