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Mortgage advice desperately needed
Me and my bird can't get a mortgage as she has been on a debt plan, she's paid it off now like but won't be able to get any credit for a few more years yet. Her mum and step dad have offered to sell their house and buy a bigger house for us all to live in. They have a minimum 50k deposit but because of her mums age they…
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Broker used to dealing with Foreign Income
Further to my first thread about issues that might come about from lenders interpretation of the MCD are there any brokers on here who have experience dealing with applicants who have non UK salary? I want to make sure we are well prepared when the time comes to pull the trigger (hopefully after September) To give some…
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Can I complain and if so how?
Hi, We were due to exchange today but we weren't able to due to a response not being back in time from my buyers lender. The response came in at 4.55. My buyers lender (a major high street uk bank) has made countless !!!! ups along the way including mis typing my buyers date of birth and having to start the application…
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Mortgage with Hubs (and his ex wife by proxy)
I may have asked this before but its coming up to the time when things have to start moving. have been with hubs since late 2009, married at xmas this year. He was married previously and his ex wife and children live in the FMH-hes named on the mortgage but with no financial interest in the property due to financial…
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whole of market broker Glasgow area?
Just wondering if anyone can give any recommendations for a whole of market mortgage broker in the Glasgow area. Also any positive or negative comments on brokers would be welcome. Thanks.
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Accord Mortgages, are they just stringing us along
Our financial adviser (who is also the father in law) told us that we should go with Accord for our mortgage and we accepted this and sent in all the paperwork. We are now in our 3rd week of what we feel like is us being strung along. Basically we sent all the paperwork and paperwork 3 weeks ago. 4 days later we get a…
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Nationwide process Ftb
Hi, first time poster looking for some help. I am a first time buyer and have submitted a full application to Nationwide 2 weeks ago. Our broker has advised that the application is with the underwriters at the moment and hopefully we should get some news soon. Valuation has been done last week and an additional payslip was…
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what kind of mortgage do I need?
We have two BTLs in place already and we are renting a house to live at the moment. We are looking to buy a house. I have found a house I like but there is a two bed flat attached to it (self contained with own entrance and access to the garden). The house (+flat) is marketed above what we could afford for a residential…
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Buying Abroad - Mortgages
So I'm looking at buying a holiday home to rent out while not there. I could re-mortgage my existing home which comes up for renewal in August. But what are the typical lenders terms if I wanted to get a mortgage against it?
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Should we stay with interest only mortgage
Hello, Please bare with me I'm new to this. We have a property which we used to live in but, in 2013 we moved house and decided to keep our old property and rent it out. My concern is having an interest only mortgage. I have said over the years I think we should change the mortgage but have not got around it. My husband…
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another mortgage
I'm looking to buy a property with my new wife. I have a flat currently with 2 years of a fixed mortgage that a family member is staying in(I pay the mortgage),him and my parents reimburse me. I have moved into my new wife's home(private rental) as I have 2 kids and she has 1 and house has 3 bedrooms. We are looking to…
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Want to transfer mortgage to partner's name
I am hoping someone can offer me some advice please. I live with my partner, and we are getting married in just under 5 weeks time. The mortgage is in my name only, as I bought the flat 13 years ago, and met my partner 6 years ago. I got into a lot of debt over the years, so consequentlyhave a very bad credit rating. My…
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Help Wife Drpopped £40,000 Bombshell
My wife has dropped a massive bombshell. Long story short... I have Crohn's Disease and I have to work from home as a freelance web designer and marketer. I get tired easily, going many years without being able to drive. Before I stopped full-time work had a decent amount of money from a company sale, enough to pay off the…
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Am I a first time buyer
I have been married for two years however my other half owned the house before I moved in and has done so for 10 years. I have not had my name on the mortgage in any way. We would like to buy a new home where we can be equal on the mortgage. As I have never had anything to do with this house, other than being married to…
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Using a broker and Contact with the lender
Just because we are using a Broker, does that mean we cannot contact the lender direct? Im a little frustrated with our broker as he never seems to have an update for us. Can I contact the lender direct?
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Do Sharesave schemes affect mortgage affordability?
I was wondering if anybody had experience of this or if a knowledgeable broker on here could help me with my question. My husband currently has a chunk of his salary going into a sharesave scheme through work every month. We are hoping to apply for a mortgage next year and I was just wondering if sharesave schemes were…
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How much mortgage can I afford?
Hi all, I will dive straight in. I am 35 years old and I work in banking in London. Completely debt free. Never owned a house. No wife/kids yet either. I saved up £1 million over the last 10 years. My current base salary is £160K (becomes 96K after tax) and I get around £100-120K bonus every year (used to be higher but not…
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Pesions as Income to obtain a small mortgage?
Following on from a previous thread and some of the helpful answers, could someone let me know if I'm wasting my time please? Property value is £300k We have cash of £260k (from sale of house) So there is a shortfall of £40k. We want a mortgage to cover that amount, but a relatively short one! (five years maybe?). The only…
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Deposit delay - Will Help to Buy, Help?
Hi, To cut a long story short I own what is effectively £80,000 in a house that came through inheritance. The problem is I cannot get that money until the single remaining family member in the house dies. Realistically within the next 2 years as they are 96!!! I currently have about £35,000 in savings. So, in the next few…
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non standard flats?
Seen a flat up for sale but it's above a shop (travel agents), remember being advised by a mortgage broker that lenders don't like non-standard flats, ie above shops or with flat roofs (does a roof converted into a flat also count?) Currently the co-op are offering one of the best deals, but when looking at their website I…
