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Joint mortgage to single mortgage help?
To keep a long story short. My ex partner and I have recently got a joint mortgage prior to the relationship ending. We concluded missives last week and a few days later we ended. Our mortgage is the second application. The first one was declined due to his online gambling. I have decided to go for the mortgage myself. I…
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Grandparents want to buy our mortgage
Hi, Our mortgage is currently about £120,000 had an initial discussion with my grandfather about them possibly buying our mortgage and us paying them back at a slightly reduced interest rate, as they aren't getting a great return on their savings at the moment. We currently have 15 years left on the mortgage and would be…
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Mortgage advice with previous defaults
We are in a tricky situation and need advice. We have a large amount of debt 8/9 years ago and joined a debt management plan. The first company we went with was very poor and we defaulted, we then went with step change ( the government recommended one). We cleared over half of it in 7/6 years and then recently we inherited…
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What if the mortgage is not approved?
I am still tossing at the idea of maybe considering buying, etc... What happens if after finding a place, the application for the mortgage falls through? Everyone just goes back home and that's it?
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I wish to fix an interest rate but how?
I am thinking of buying a buy to let property in the next year, how do I go about securing a mortgage in the future? I have searched on comparison sites and found mortgages that I may appeal to me, but how do I get them to realise that I am not looking to buy a property immediately but in a year? Thanks in advance.
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Bank account question for brokers please
Thanks for reading. I currently bank with RBS as my main bank salary paid in etc (over 20 years) but also have a current account with Halifax that I opened when RBS had their software glitch that I keep a few quid in so I am not stuck. I also have a Barclays bank account too (open for about a year). I have an RBS Black…
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Winterthur Life Endowment Advice??
Hi all Sorry for what may appear like a silly question but I really cant seem to find the answer. I took out a Winterthur Life Endowment Policy in 2000 to compliment my Abbey National Interest Only Mortgage. When I say I took out, I was kinda forced to take both the mortgage and THAT endowment policy. Anyway I remortgaged…
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Borrow on a 0% CC to pay a lump sum on a mortgage
Hi I am new so apologies if I have done this wrong. My question is. Would be better to use a 0% Credit Card to pay a lump sum off a mortgage or increase monthly payments to over pay on the mortgage. The monthly payments would be the same per month on either media, but which one would be most advantages in the long term.…
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2 Year Fix - Not 24 months of fixed payments?
Hi guys, Probably a stupid question, but just want to double check that I'm understanding this correctly. If our mortgage is fixed until 30th Septmember 2017, and we didn't move in until say February, does this mean we wouldn't get the full 24 months at the fixed rate and would only get a year and a half of the low monthly…
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Result of Damp & Timber survey. Game over!?
Hi After valuation (purchase price £90k) lender wanted Damp & Timber survey. We haven't had full report as it was only done today. Carried out by independent so no selling as they don't do the works just surveys. Anyway, he rang straight after he'd done the survey. Apologies but I can't remember everything he said but the…
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Help regarding delinking nram loan
Hi all This is my first post so apologies if it's in the wrong place or doesn't make sense. We have a nram mortgage 87500 outstanding and a unsecured loan 23500 Our property is valued at 125000 and we have put it on the market and nram have written to us 'advising we can delinking. My first question is - can they go back…
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Capital Gains Tax pickle - advice please
I bought a house in 2003. In 2012 I moved out of this house and into rented accommodation to be closer to work. In 2011/12, I tried for 18 months to sell the house but never had an offer despite knocking almost 10% off the valued price. The house I own has been tenanted from when I moved out until present day. In two years…
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Mortgage appointment
HI Guys, I have full mortgage application on Tuesday. I have been asked to provide proof of address, payslips, bank statements, Gifted deposit letters and Credit commitments with me. I was wondering how much they delve into bank statements, I don't have many monthly commitments at the minute and I am saving on average…
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Mortgage dip with ccj. There is hope out there
Looking to buy house went via broker. Got me a two year fix at 2.14% goes to 3.99% after two years. Lender even told about a ccj and default before application. Received my dip. So can start process I know things can still go wrong but delighted to be considered even with past problems. Have to pay a 15% deposit plus usual…
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Halifax Customer Service - Complaints
Hi, Has anyone else had any issues with Halifax Customer Service,and call backs? I am looking to do some additional borrowing on my mortgage and they have been absolutely shocking to deal with. I called on Monday, and gave all my details (I am current Mortgage Customer), and was advised that I would receive a call on…
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Is it risky applying for a mortgage now?
Hi My partner and I were about to apply for a Mortgage in principle and she let me know last night that she'd let her account get down to £8 before she got paid that day. :mad: When I grilled her about it, she said she'd just bought lots of pointless stuff for the house, clothes too, etc. She's only been back in…
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Mortgage broker asking for confidential docs to be emailed
I'm currently applying for a new mortgage. I'm using a company that I found via Quidco called mortgage simplicity. The mortgage broker has found me a mortgage that I'm happy with and is now ready to progress the application. He has therefore asked me to email all of the relevant document for the application. I'm…
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Legal advice regarding leaving house because of abuse.
Hi Guys. I was directed here from a lady on the womensaid forum. To cut along story short, this is my situation... I fell pregnant very early on in my relationship with my partner, my parents gifted us BOTH a deposit of £15,000 and we bought our own home (joint mortgage) just over a year ago. When we bought our house and…
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Any options for me?
Hello Everyone. I am in a tough situation just declined AIP/DIP for both halifax and nationwide (tried to apply online). Foreigner on Tier 1 Visa (13 months left on visa - renewable) Income: £45k a year - Self employed based on limited companies (1 year of accounts) Credit History: 820 Experian score. History of PDL and…
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Jeffs & Haggertay Associates - Mortgage Endowment
Hello, I am trying to find others that bought their mortgage endowment through the above company. I am unable to find much information on them. I found their company number (proves useless on Companies House website) NL16773981 and their former address in Sidcup. One of the partners now works for a company in Sidcup. They…
