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Gambling debt. Using which broker?
I have credit card debt and a lot of it is through gambling. Do they look at what you have spent it on when remortgaging? Has anyone used 'which?' Mortgage broker? Never gambling again. Husband controls everything now and am disgusted with myself. Will not even buy a lottery ticket.
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mortgage on a freehold flat?
Hi reading freehold advice and getting confused, the general opinion is it's very hard if not impossible to get a mortgage on a freehold. But then Martin says there's no such thing as a freehold, elsewhere I read that often its a commonhold that's mismarketed as a freehold, then I read that often things are falsely…
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Buying flats to convert to a house
we are trying to buy a house which has unofficially been turned into two flats and have just been knocked back by santander's underwriters which has left me a bit lost We have passed the affordability easily and 60% of the equity in the property would be ours , we have been with Santander for over 10 years and never had…
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Solicitors!!! a waiting game
ok so we have had our mortgage offer we've had our searches back and all is good how ever the solicitors seem to be useless ,they have had our deposit for just over 1 month now yet still nothing seems to have been done yet ,is this normal?
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Question about borrowing more on property
I own 50% of my property and want to buy the remaining 50% as I can afford to now. I presumed I could easily afford it as my current salary far outweighs the normal multipliers to get the amount I need to buy out the other 50%. However, after speaking to Halifax today, it seems things are quite different. I need to…
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has ex hubby signed policy with out my knowledge
Hi.. can anyone help me find out where i can find an old endowment policy number and the company it was with... ive contact mortgage company and they dont hold the records back to 93.. ive tried the accountant that set the mortgage and endowment up to no avail.. The policy matures in 3 years but i have a niggling feeling…
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Can't Port our Great Rate with HSBC
As the title says, We were looking to port over our 1.5% mortgage to a new property. However we have now been told it isn't possible as we only have 4yrs 11months left, and the minimum term is 5 yrs! We owe just less than 30k, and didn't want to borrow any more. So we decided to pay for our new property using the proceeds…
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Northern Ireland co ownership solicitor
I understand that it doesn't matter what solicitor you get as its a set fee with co ownership. Is that correct. The solicitor I spoke with today wanted £300 registration fees. Is this the norm or should I try elsewhere
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Could a broker get me a mortgage?
Hello everyone, So... I am looking at getting a bigger mortgage but it seems my debt levels are a stumbling block. I am looking to move into a bigger house but im not sure I could get a mortgage. My income and debt are below; Salary: Me £31k Wife £17200 My debts; First Direct PL £17000 paying £200pm Car hire purchase…
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Reducing dividend income + rental payments = problem
I receive a large part of my income as dividends from the company I own. Over the last 3 years this income has decreased, part due to me actually working less, and also last tax year due to me paying a much larger salary to trigger NI payments. My overall income though has remained fairly similar. I have just returned from…
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'porting' and borrowing more
Hey, I'm in a little bit of a predicament here... so here it goes.. I currently have a mortgage with Nationwide. I have applied for my Mortgage to be 'Ported' from my current address to the house I want to buy, I have had a DiP done and been accepted - went to go do the application and it has then been declined... So I am…
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Deposit: Where to keep it?
Hi all I currently have £22K of my deposit in my Nationwide current account + £2K fees (will increase by £500+ per month). I will be looking to get a mortgage in the next 6 months. Are the any decent places to save this money so that i have easy access to it but also not a miserable % as i've seen some products at just 1%…
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Need a mortgage fast
Hi all, I've just had an offer accepted on a repossession property but it comes with conditions, that I must complete the purchase within 4 weeks with a further 1 week to exchange, otherwise they bank's agent is going to go with a lower offer from a cash buyer. This means I need to set up a mortgage FAST. Does anyone have…
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Mortgage advice needed: equity division after split up
Hello everyone Can anyone advise please? I bought a house with my ex in 2008, both names on mortgage and deeds and paying an interest only mortgage since. He paid the mortgage between 2008-2012 then we split up and I was forced to move out with our 18 month old baby due to DV. The agreement was he would continue to pay the…
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Help Needed - Difficult Situation
Not sure if I am posting in the right place forum wise so feel free to move if needed Basically myself and my wife are in a situation where: We have one child (age 6) and a baby on the way. We are in a 2 bedroom property which is still mortgaged jointly between my wife and her ex. House value is approx £105k. It was…
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FTB but in an awkward position
Hi everyone. Please be gentle... I've fallen for a house that I hope (and think) will accept 77k. I have a 40 - 50k deposit. The house needs 10 - 15k spending on it. I have that money too. My problem is that I'm on a 9k salary. I'm also self employed an earn an average 1.5 - 2k a year. Is there any hope at all of getting a…
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AiP
Hi all I've got an agreement in principle from Barclays for £250k but I think I may need to up my budget. I believe when you go through the process to apply for an AiP they do a soft credit check on you. Would it be ok to do ask for an AiP for a higher amount or would this impact my credit rating? Affordability wise I…
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Mortgage advice please - re gifted deposits & other stuff
Hi everyone, first time poster (& buyer) here hoping for a bit of advice from those in the know. We are about to part-buy our first property and apply for our first mortgage, a relatively tiny amount. Our LTV is just 22% as my parents are investing their cash in the property which serves as our rather large deposit (we…
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Joint Account application - adverse affect on mortgage application?
Hi, apologies if this is the incorrect forum group to post in. I am seeking to apply for a joint mortgage towards the end of this year. Currently we have our own current accounts but wanted to apply for a joint bank account. Will this have an adverse affect on a mortgage application bearing in mind timescales? I've had my…
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Lenders who consider satisfied CCJ
Hi All, My husband had a CCJ against him which was satisfied two years ago. We are both hoping to apply for a joint mortgage and I would like to know which lender's would consider the CCJ and borrow accordingly. If the list of banks, including high street banks could be provided, it would be much appreciated
