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Help please! Mortgage shortfall when buying from a deceased sellers estate.
Hello, I wonder if i could ask a question in the hope that someone can advise/share their experiences. I am purchasing a property where the seller sadly died a few days before settlement (seller hadn't signed missives prior to passing away) so i am now purchasing from the Executors of the late sellers estate as the…
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HSBC How Picky?
We are in the process of offering on a house we like and are looking around at mortgages. I usually go through a broker, but a quick glance at the best buys table show that HSBC come out significantly cheaper than anyone else for a 2 year fixed rate. As I understand it, HSBC don't offer their mortgages via brokers, or…
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Proving guaranteed overtime to lenders
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webb resolutions repossession settlement
hi this is a bit vague but here goes ,in 2010 i got my house taken as a repossession as id lost my job an could not get another to keep up with all bills etc at the time. ive read soany horror stories about webb solutions,now 2015 ive maybe not heard from them scine 2010ish maybe 2011. basically the house was left empty…
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Will a personal loan affect my mortgage offer
Hello I've got to the point of signing contracts for my mortgage with Nationwide. I am moving to the country and need to buy an additional car for the commute and will need a personal loan to do this. If I take out the loan prior to my mortgage being issued, does Nationwide have any way of knowing this and is it likely to…
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"First Time Buyer" meaning
Hi Guys, I have previously bought and sold a house a few years back with my ex girlfriend. I am potentially now looking at mortgage options, and i've noted that, although I am not a first time buyer, this meaning can actually be different to what an Estate Agents or a Mortgage broker defines as a first time buyer. If i do…
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self employed mortgage help please...large deposit , low income.
Hi , I have a property that I am going to sell next year should net me around 120k after fees etc , I have no mortgage currently my property is fully paid for some years ago. I am getting married , but both have smallish incomes , I am self employed , my soon to be wife is in full time employment . I would say together we…
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FTB Have we ruined our chances of Mortgage?
Hi Everyone Hoping someone can help. We have been speaking to a broker from L&C We are after a £90 - £95k mortgage. £5k deposit. We were not even looking at buying our own place but got some money so could use this as deposit. The thing is about 5 weeks ago OH applied for 0% 36months balance transfer CC from Halifaxcredit…
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Conveyancing fees when remortgaging
Just using the mortgage best buys search engine on this site as am coming to the end of a fixed period on a mortgage in October. Looking at a tracker as planning on selling this time next year so don't want to fix again. HSBC is coming out on top with a 2.49% tracker with no fees and no exit fee. Monthly payments will be…
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Experian etc
I've had offer accepted on house (ftb) - wasn't quite expecting things to move so fast so haven't had time to do credit checks with experia and get things in order if any errors are showing. Given I want to apply for mortgage fairly quickly now, would you recommend still checking my records at experian and others? mortgage…
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How long before I can apply for a BTL?
Hi, I have a theoretical question. If I were to get a residential mortgage and move into a new house today, how long would I have to wait before I would be able to get a BTL mortgage on another property. Is there a minimum period or is just a case of affordability?
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Mortgage Help
Hi guys I have a house which I cant sell, so I want to get another mortgage to be my main home with 5% can I use of the helptobuy schemes has anyone got experience of this. My other house would go on rent and this would be my main residence Thanks
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** Help Required **
Hi, I've recently got a staff mortgage at work for £79,000.00. This mortgage rate is 2.24% over 25 years. My monthly payments will be £348.58 per month from the 01/08/2015. My yearly salary is £19,800.00 a year. I have just called HMRC and I've been advised my tax code will go down to 781L from 1060L resulting in an…
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Mortgage refusal - No credit history
After having our initial decision in principle agreed, we have been refused our mortgage by HSBC for the purchase of our first home. The grounds for the refusal are; 'Lack of Credit History' (Neither my partner or i have had credit cards or any loans / borrowing). Deposit amount: £23,000 Mortgage amount: £120,000 Property…
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Nationwide and incentives
When do Nationwide ask whether I have any incentives included in my new build purchase? I completed the application online and put the year built as 2015. I got an email asking me to send in docs which have been reviewed and passed. Phone call from Nationwide today to say valuation has been instructed but it has just hit…
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Negative equity and want to switch
Hi, we have a mortgage and secured loan( took out with the mortgage) and have been on interest only mortgage- now desperately want to change to repayment mortgage. I know I can do this with my current provider but want to know if we can do this with another due to being in negative equity. Anyone know?
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Natwest mortgage valid for
Trying to workout when to put the full application in. AIP expiring soon, vendor hasn't found a property to move. Should I wait or full application now? How long is Natwest's mortgage offer valid for?
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Mortgage declined by Underwriters - GUTTED!
I am new to this mortgage stuff and am learning on my way... moved back to my parents to try and save some money to buy a house. Property prices in my area are quite high and being a single parent just seemed out of my reach until I get a good deposit. There is a possibility I am going to be gifted some money from parents…
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Available Credit Ratio and Mortgage Applications
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Mortgage / money juggling advice needed
Hi I'd welcome some advice on the best way forward. i'll try to keep it simple: - Bought a house in Mar 2014 (2 yr fixed mortgage / SVR after) - Cost £270k (£30k deposit / £240k mortgage) - Have added extension, paid for via savings, unsecured loans, credit cards - totaling £80k - Now have £32k in unsecured loans…
