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phone appt with mortgage advisor later, what to expect?
Hi all We have a decision in principle from our current lender, have a property we would like to go to and have an offer on our house, I have an phone appt with them later to go through the next stage and have been told to set aside 2.5 hours. I am starting to panic a bit, not because I have anything to hide, I am just not…
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Countrywide Mortgage Services Dispute
Good evening. I'm not sure is this is the right place to put this post so moderators feel free to move it if required. Detail is king I know, but right now I will summarize and if there is millage in my dispute, I will elaborate. Background: Last month me and my partner moved into our new home. Our joint mortgage was…
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Approval in Principle - First time buyers
Good evening, Myself and my partner are embarking upon the mortgage application process. We have a healthy deposit, secure employment, no debt and excellent credit ratings. We have already secured an agreement in principle from one lender. Whilst completing the information required for the approval in principle we were…
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Do we change from fixed 5.99%?
Hi all, We have over 3 years left on a 10-year fixed rate at 5.99%. We've been thinking for a while about paying the ERC to come off it and now even more so since HSBC announced their 1.99% 5-year fixed rate. I'm after some advice from someone who is able to understand these things more than me because I'm really not sure…
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Which mortgage? Advice please, thanks!
We do feel rather clueless. We have had our offer accepted on a house and looking to put in our full mortgage application in the next couple days. We have no idea!! Its like shut your eyes and pick one as we dont know how we decide. We have a mortgage broker who has done some calculations and presented them to us…
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Interest Only Mortgage Finishing
Hi there Bit of advice needed before I approach mortgage broker for a re-mortgage please. I am the sole owner of a mortgaged property aged 54. I have however been a little stupid and am now about to pay the consequence. About 5 years ago I was made redundant and had to reduce the mortgage to an interest only mortgage…
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Transition from contractor to permanent within same company
Hi there, I've been working towards applying for my first mortgage. Currently I'm a contractor, and my tax, NI etc are sorted via an umbrella company (via PAYE). I'd rather get a mortgage as a permanent employee and am currently reaching out to my contract employer on the feasibility of getting a permanent role. My concern…
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Need a mortgage
I want to get a mortgage with my mother who is 81. We want to buy the council house we are both living in it for the last 43 years. The mortgage companies are being very difficult because of my mothers age. I will be the payer and I want both names on the mortgage i.e. deeds. Please can you suggest a good bank/building…
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Self employed to employed
I'm currently self employed (for last 7 years) with only 2 years good accounts, previous 5 years were not so good showing a slight profit. I have been offered a job today that would also let me carry on running my business part time alongside. At what point would lenders consider my salary towards a mortgage? (Just for…
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A mortgage without the wife on?
Hi again, new thoughs being brough on by my works mates. Situation, I am in Army and want to but a house back home some 350 mile away, I want to move wife back there and hopefully I will leave Army as soon as she has a job! Problem is my CR is not the best but getting there now, the wifes is brilliant but she has car…
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Gifted deposit rejected from South Africa
Hi All I am hoping someone can help or come up with a bright idea I am a British citizen and have lived here for 9 years. I was born in SA. My mom is South African and my dad British, hence I am fortunate enough to have citizenship. I currently own an apartment and do not want to sell it. Halifax have given me permission…
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mortgage interest
What is the lowest interest rate I can maintain for 10-15 years mortgage? Afaik, there is no constant interest rate for so long, but is there any better approach? Ie, can I move my mortgage to different banks in order to take advantage of their offers? Please advise me on this.
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Mortgage broker help
Hello I am looking for some advice. My husband and I would like to have an attempt at purchasing a property. I have some historic adverse credit which rules me out for many highstreet lenders. my husbands is perfect and we have a 15% deposit. We spoke with one mortgage broker who after a couple of conversations I gathered…
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Conveyancy Extra Costs After Quote And Deposit Paid
We recently got a quote from Harmony Law Solicitors or Ross Coates, Same ones I think. It was for a shared ownership house. We got the intial quote from a comparison website and we had always stated it was shared ownership. We got a call about two weeks after paying a £300 deposit saying they would be needing £300 more as…
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Tricky one: Mortgage transfer without new application?
Hi, This is a bit of a tricky one... I have my own house (15 yrs), with a small mortgage & about 80k equity in it. I have a serious illness & now disabled, I have the opportunity to buy the house next door to my parents. (owned by them, but they need to sell it) this would be so much better for me as i need help with day…
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Best place to look for best deal
Hello, Is there a site apart from the normal money supermarket etc that tell you the best rates on the market are? Looking for a 99K loan on a £220k house. Fixed over 2years. 25 years. It's for a remortgage. Best deal that I can find is the Tesco 1.59% with £195 lender fee with valuation and legal work free. I went to an…
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Nationwide Concerned about financial associates
Hi, I am in the process of applying for a shared ownership mortgage (30% of a property). The mortgage is 75% LTV and I am only borrowing £68K. The application is in my name only and it has been referred to an underwriter due to the fact that Nationwide are concerned about my financial associates. My husband doesn't have a…
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Forces Help to Buy
Hi I need some help/advice. We are FTB using the Forces Help to buy scheme. We went through a broker who said only the Halifax supported it. Then we were told that Halifax considered it another loan & reduced the mortgage they would offer us. Effectively there's no way we could get a house in the area we want with the…
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First Time Buyer with Credit History
Hi there. First time here, urgently need help! Here are my circumstances: I am married and we both work full-time in permanent roles in London with a joint income of 60K.We are about to receive 80K as a gift from family to help purchase a property. However, due to severe illness and reasons beyond our control, in the past…
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Referred ! Help !
Ok so hopefully someone can help as I am freakin out! My GF and I want to buy a house for £110k - Nothing special just a boggo 2 up 2 down terrace. She currently owns an apartment which has been sold STC for £86k - She owes £57k on the mortgage so a nice bit of equity left. We went to see our mortgage chap at TSB to…
