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Can i remortgage.
I need some advice from you good people.I have a mortgage with santander, the deal ends at xmas.Can i remortgage to another lender before my deal ends with santander.Never done anything like this before and am clueless. thanks in advance for the replies
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Mortgage newbie
Hi money saving experts. I have a mortgage question you may be able to help me with. My Father died last year and left me some money and a quarter share of our family home. My question is: Is there any way I can use the equity I have in the family home to get my own mortgage? Thank you :)
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Identity checks
I've just been through the mortgage process and I thought the whole identity check thing was really painful. Firms just seem to be able to get you to jump through hoops just by mentioning FCA compliance. For a single mortgage we had to do 3 identity checks with proof of identity and address. The first and easiest was the…
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Mortgage advice for son wishing to refinance mother's house/loans
Hello, My mum is approaching retirement and has a property worth around £140000. She has two loans against it, a mortgage with around £7000 to pay off and a loan with extortionate 13% interest which stands at around £20000, secured against the house. The house is owned solely by her and I'm her only child. She currently…
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Thank You- Simply Investment & Aldermore
Before I get started, there are many great mortgage brokers on this site & over the last 18 months I have learnt a lot from reading their posts! 18 months ago I approached simply investment after reading some encouraging comments on here regarding their practice. My situation was as followed: 6+ defaults all pre 2012.…
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Mortgage Application Declined - Should we go to a broker next time?
My boyfriend and I applied for a DIP and it got declined. It was the Nationwide we went with because it's where we have all our accounts including our mortgage savings account (Save to buy). The person who was submitting the application for us couldn't really give us an explanation for why we got declined other than,…
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Virgin underwriting
Hi there. Have a mortgage going through with Virgin - so far super-fast - valuation instructed a day after full application, carried out three days later, report back two days after that (all fine). In the middle of all that they asked for an extra couple of documents- all sent the same day and now it's gone to…
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Expat mortgage
I'm currently working in the middle east and wanting to buy a bigger house in the UK. Natwest who I bank with at present don't want to know. Any ideas?
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Just been accepted, what next?
My estate agent who also price mortgages across the lenders advised on Halifax who have given me a decision in principle for 98.5k on my 20k salary. The house I've seen is 140k and I have a 35k deposit so I'm 6.5k short. But what other fees am I looking at and how much will they be. I know I've solicitor fees but no idea…
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Natwest Additional Borrowing
Hello everyone, We have a 132000 mortgage on a 170k valued house with natwest and are applying for 10k additional borrowing in order to clear 2 credit cards which we have hanging over us (totaling 10k approx.). We have an offer in principle agreed as will only increase the mortgage monthly payment by 50 pound but…
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Halifax mortgage application via broker - advice
Hi all. I just wanted to check the process.....I've applied via a broker, AIP/DIP issued to broker. Valuation undertaken and ok. Then Halifax requested some more information, which they've been reviewing for a week. However in the post today I have received direct from Halifax a key illustration of the mortgage. It's not…
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Questions on Help to Buy Equity Loans
I'd like to support my son in buying a flat, by helping him with a meaningful deposit without which I think it would be impossible for him in this area. All the references to HTB Equity Loan I can find outline 20% equity loan, 5% deposit, 75% mortgage. First question, is it permitted to have more deposit? e.g. 20% from my…
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How Should I Proceed?
Hi everyone...I really need some good guidance. When my spouse and I separated I moved into my current home which we had been letting out. I let NRAM know because it is on a buy-to-let mortgage. They accept I let them know at the time I moved in. Now the divorce is going through I rang NRAM to ask about a possible…
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Buy ti let mortgage that can be paid off sooner
Hi all, Does anyone know if there is such a thing as a buy to let mortgage that allows you to pay it off sooner rather than later? I'm looking for a deal where I can pay the whole thing off when I can if I get a lump sum (such as a sale from another house), and not be tied into a long term mortgage I can't pay off when I…
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Debts Vs Mortgage Application
I know I have to wait until Monday to know exactly what the situation is, but Friday Natwest requested evidence of repayments on my loan/credit cards. I currently have a loan with Barclays which has £1200 remaining and a credit card with Virgin £3838. During discussions with my mortgage broker I advised I was paying these…
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Broker - too good to be true?
FTB going through a broker who we found following a Google search of brokers in our local area. We had previously been declined an AIP from Nationwide after them taking 3months to process the online application. Really amazed at the service and just wondering if it’s a case of “if it seems to good to be true”? All done…
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Buying a new build in Scotland...advice required!
Our flat is now under offer, date of entry - June 26th New build house isn't ready until September, but the developers said we need to conclude missives 2 weeks after we put down the reservation fee. What does 'conclude missives' actually mean?! We can't pay the deposit until we get the funds from the sale of our flat. Can…
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Right to buy mortgages
Just put in to buy my house of council and wanting to help on getting a mortgage or broker
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Money transfers to boost deposit?
So I was contacted by two of my CC providers last month who have both, presumably to entice me back to using their card, offered 12 months interest-free on money transfers. Given the combined credit limits, that's a very handsome sum indeed of interest-free money. It led me to thinking of two possible stoozes:- 1. Get a…
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Mortgage Declined....
Hi I'm hoping for some advice if possible please. Myself and partner completed a dip with Santander on 26/03 (in branch) and received an accept decision. After asking on more than one occasion, the advisor assured us that the mortgage was all agreed subject to valuation. We then went house hunting and had an offer…
