-
Losing the will to live.lol
we filled in our mortgage application with Natwest on the 11th april and still havent had a decision. Our broker started putting the pressure on last week as i kept pestering her but still no joy, they have asked for P60s and have asked about salaries, but we have answered their queries. its just doing my head in not…
-
Oranges
Oranges are not the only fruit.
-
Remortgage Help Please
Hello! I am in desperate need of some help and advice. I own a house that I have lived in for nearly 8 years and I am looking to remortgage it. The current mortgage I have is in both mine and my ex-husbands name and is an interest only mortgage. My reason for remortgaging would be to take the mortgage out in my own name…
-
So annoyed
Sorry, but prepare for major rant!!!! Why, oh why are the Post Office SO SLOW? 48hrs, then another 48 hrs, and so it continues. L&C case manager doesnt answer his phone. Nor the advisor. Last email said " Post Office have just told me the offer should be produced on Friday" This was Friday gone. No emails to confirm this…
-
Advice required - remortgaging, travelling, letting...
Hi, I'm trying to plan out some large life decisions, and wonder if anyone would care to share their opinion before I seek professional advice. Currently have a fixed term mortgage (3.8%) which ends in April 2016, at which point we will have ~£135k outstanding. We will have finished a complete renovation by this time, and…
-
Whats the best way of Paying off mortgage?
Currently on a fixed mortgage on a 25 year term which is nearly ending so Would it be better to get onto a tracker or pay a couple of grand and then get back onto a fix again say 2 years and repeat?
-
NatWest & Continuous Employment
I am looking for some advice from anyone who may have any recent experience with NatWest mortgage applications and cont8inuous employment. We are looking to port our mortgage and add on some additional borrowing. NatWest have said they can’t take into consideration my husband’s salary for the additional borrowing (his name…
-
my weird case of mortgage
Hey guys I've been working in the same place for 14 months as a temp. I have a further 7 months temporary contract extention at the same job. Could I apply for a mortgage as a temp. I will be first time buyer Alternatively I asked a sibling to get the mortgage out for me. Could it be on my name? As I can make payments as…
-
How far in advance to start work on remortgaging?
My 5 year fix comes to an end in September and I'll be looking to take a new fix - likely via a different mortgage provider. This is the first time I've had to re-mortgage so my question is, how much lead time should I give this to start work on finding and applying for a new mortgage? 3 months? 30 days? Thanks
-
Mortgage chances, just found a OD charge!
There's no point to this post really apart from me hoping one of you could tell me that there is ANY hope still! I've been sifting through my bank statements and there is a transaction last month that pushed us over our overdraft limit for a whole 24 hours. I have a million excuses but this no place for them so basically…
-
Credit and overdraft affect mortgage application?
I'm aiming to apply for a mortgage in the next few months, the sooner the better due to exorbitant rent! I have a large deposit provided by relatives but need to save up around £8k for stamp duty, fees etc. I currently have an overdraft that I use (I'm pretty overdrawn and have had a couple of unauthorised uses going £20…
-
Britannia existing customer deals
Morning people, this is info required for a friend who isn't as knowledgeable about mortgages. Basically, he is with Britannia, and his variable rate term has come to an end so he has gone onto the SVR rate, obviously increased amount. However, his job role has changed, he is no longer employed but self employed, but has…
-
Home Improvements
We are currently considering major home improvements and wondered how best to finance. We may need £100,000! We paid off our mortgage a few years ago, so any advice would be helpful. Thank you.
-
Mobile phone upgrade before completion?
Not sure whether this is a silly question but we have recently received our mortgage offer but as the property is a new build, it will not be ready for another month or so. I am due an upgrade with O2 on an existing contract, will it be a problem if I take advantage of this before completion?
-
promising to pay off credit card debt before completion?
We have a new build reserved, and our mortgage application has just been sent off to TSB by the broker. On our meeting with the broker the conversation was that we would have to pay off our credit cards out of our own pocket, and we were fine with that as we will be living with my parents for the next 4 months. However,…
-
Remortgage advice needed please - have I got any hope ?
Hi can anyone help please.. I am looking to re-mortgage to remove my ex's name from mortgage and going to wait to apply when old but satisfied defaults dropped off (End Aug this year) but I have a satisfied CCJ on file which was added over a year ago. All my active credit agreements (current mortgage, credit cards, phones)…
-
Advice wanted please?!
Hi there Thank you in advance to anyone who takes the time to read our post. Looking for a mortgage and not got a lot of time to spare. We purchased our first home two years ago with a £30,000 deposit, and. Ow have an outstanding mortgage of £102,000. At the time my hubby had a perfect credit rating but mine was not so…
-
BTL Interest Only - Recommended LTV
Just wanted to get everyone's opinion on buy to let interest only mortgages. I have a second property that has a high interest only mortgage, however the LTV is 59%. The property is in Crystal Palace, London. Any thoughts on whether or not this is too high a risk?
-
mortgage questions for dummies!
Sorry if questions sound silly, I’m very new to all this. Have been reading the forums but couldn't find answers for my specific questions. I’m currently saving to get a deposit to hopefully buy a house early next year, with the 5% help to buy mortgage. I have a few questions… 1. When is the best time to go speak to a…
-
Broker recommendation wanted
I need a recommendation for a contractor/self employed mortgage. We are in London, but happy to deal with someone by phone/email. My main question is: we have £75k per annum going into pensions (obviously out of choice). Will this be deducted from affordability calcs even though we can change it at will and take the income…
