-
Which mortgage route do i take? please help
Hi all, I have a shared ownership property (25% of £166,000) and were now in the position to be able to take the full 100% mortgage, but I don't know how to do it as I shall explain... I'm basing the following numbers on the original property value of £166,000, so these will change slightly but the idea remains the same.…
-
Credit score fall 2 days before completion - panic
My mortgage completion date is on Thursday and I have noticed today that my expirian credit score fall from excellent to fair (990->885) due to using £180 on one of my credit cards. £100 has been paid off couple of days after usage and today I paid off the rest, way before any fees/charges/etc. Should I be on the phone to…
-
Declined because of number of kids - any lenders less likely to penalise for this?
Hi Wondering if anyone can recommend a mortgage provider which is less likely to take this into account? I am trying to sell my house and buy a new one which is only around £10,000 more. So I thought it would be quite easy to get a mortgage. However I got declined by First Direct. When I pointed out that it wasn't much…
-
Declined mortgage with Natwest, advice please :(
We are FTB, have had an offer accepted on a house end February and have applied for a 95% mortgage with Natwest. We are using a Mortgage Adviser through an estate agent. Not convinced that was the right choice having read a lot of these threads though ....... He submitted our application on 7th March and it took 3 weeks…
-
Mortgage on unfinished property
Hi, I'm building my own house and have a self build mortgage. They have with held back some money until we have completed the build. I need to pay several hundred pounds to get some of this money released so I can continue and finish the build. Then I can claim the final £15K. Only problem to get this final lump sum I need…
-
advice on my brothers mortgage please
hi well i will try and keep this short, my brother got a mortgage with hs wife about 8 years ago they have recently split up, she is still living in the house, they have a interest only mortgage but have paid a bt extra about 10k well she has off to buy him out of the mortgage giving him 5k. but my brother has spoen to me…
-
bad credit..mortgage help
Hi the count down has begun untill the CCJ finally falls off in July. I have had late payments from over 5 years ago but are still visible on me CR. Also Payday loans last one 3 years ago. Only this idiot(me!!) Used my credit card (£24) last week to place a bet online!!!!....why I did this I am not quite sure. Looking back…
-
Which Mortgage?
My first post :) I would like some advice so I can consider my options before I approach a mortgage broker - at the moment I don't know which type of mortgage I should apply for. This is my situation: I have saved up some money and I'm thinking about investing in a property close to where I live as the area is being…
-
Santander Application Made - Change Product?
We have an application ongoing for a Santander mortgage. I had the long telephone interview yesterday and decided to stay on my current tracker rate of 0.75 above base rate. I was told there would be a valuation fee of £330 but went with it. Looking at the Santander site just now I see some deals with no upfront fees and a…
-
Mortgage for self-employed help please!!
Hi, Looking for some advice please, recently applied for 95% mortgage through Natwest, agreed in principle then declined, they said I passed affordability, however upon looking at my bank statements because I'd gone overdrawn twice in the last 6 months (by £6ish!) they have knocked me back. I could kick myself as it was…
-
new buyer with mortgage concerns
Hi All, I'm new to the whole mortgage thing so here it goes. Myself and husband have been offered a mortgage in principle, we asked for 95000; they said we could have £188000 with out factoring in over times etc. All they have asked for is 3 months pay slips, will they need bank statements? I am worried because each month…
-
Mortgage circa 1 year after DMP / debts settled in full
Hi all, New to the forum as a member, but have always browsed,now fully fledged and registered. Looking for some advice on the above along with the following: Mortgage needed to move house, salary £80k plus and current mortgage £80k but home worth around £95k, have £8+k savings available too. Wondering what chances of…
-
N & P Mortgage Experience - really disappointed...
Our current fixed rate with Lloyds is due to finish at the end of next month. I have therefore spent a lot of time researching the offers currently available and approached N & P Building Society. I had an initial telephone consultation yesterday, where everything seemed promising. I then had their more detailed telephone…
-
Tax Credits Repayment
I am currently paying £22.65 per month as I was overpaid on my tax credits quite a few years back. I will be paying it until July 2022. Is this something that Nationwide will take into account when I come to apply for a new mortgage (if it is, I will try and pay the balance before I apply for the mortgage)?
-
Maternity/mortgage advice please
Hi guys, We've just had an offer accepted on our first home, fingers crossed everything goes ok as we love it.... Basically my wife begins maternity in a couple of months time and we were umming and ahhing about what our best bet would be for mortgage terms... There are a lot of attractive offers out there with discounted…
-
Time Scales- BOI/Post Office mortgage
I have had my survey done and my application is with the underwriters. I have to admit I have no clue about the actual mortgage process and what that even means. Does anyone have any idea about how long I will be waiting for an actual offer please?
-
Mortgage + Debt advise please
Hiya I need to get a mortgage in principle but if I owe the HMRC £2000 and this is being collected through a debt agency will this affect my chances of getting one? Thanks for any help.
-
Mortgage advice please!
Hi I am very very new to house buying issues so forgive my ignorance.. My partner is working full time and I have been very part time self employed since my first child 4 years ago, in other words he provides almost our entire income. We are hoping to buy a house in the next year. I have a deposit of £25k saved up from…
-
Advice Needed Please!!!!:j
Hello all, I'm currently in the process of buying a house with my partner. Her deposit contribution is £15,500 whereas My deposit contribution is £3000 However the house we are proposing to purchase is MY mothers. My Mother has agreed to give me a £10,000 in cash once we purchase the house. This £10,000 would then be used…
-
Mis-sold Mortgage?
Hi everyone Second post here! both on the same day. I have a flat with a mortgage with Halifax. I was 24 when I bought it (I am now 33) I took the mortgage out through the estate agents "independent" mortgage advisor, who it turns out is not independent, they deal primarily with Halifax. I was working away at sea at the…
