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What chance of a mortgage do I have?
Hi there, I am looking for a mortgage and due to being stupid/young allowed a partner (now ex) to have a mobile contract in my name, and he even kindly took another out with three with a simple call!! A few details Salary : £25,000 Deposit: £25,000-£30,000 Mortgage wanted : £125,000 Bad marks on credit: 1.Three default…
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Land Registry Name Change Fee
We got our forms back from our solicitor regarding our home purchase and found a few extra costs. 1 was an environmental search that the lender requested apparently for £55 and the other is to change the names on the land register as it is lease hold. that came to £210. I just want to know is that normal from what it said…
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Mortgage lenders valuation
I bought a new build flat 3 years ago for £90,000 from Shepard homes. My mortgage lender valued the property at £90,000. I have recently discovered that within the 3 months around my purchase 12 properties of the identical layout, age and size within my building were sold for £60,000 by Shepard homes. One of these…
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ow can I get £50k / €68.5k mortgage finance to buy in ROI?
Can anyone help? I'm based in London, but really want to move to the Republic of Ireland (for a much better quality of life & the property is much more affordable).. after extensive research and a couple of trips.. I have found an ideal property, a private sale for approx €105k - I have savings/investments of over €60k;…
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Certificate of Title before build complete?
So I'm with the Leeds and my mortgage offer is valid for 6 months. it expires on the 27th if Jan and today I've just been told by the developer that completion will now most likely be February. Leeds will look at offer extensions on a case by case basis but would require the certificate of title in order to extend the…
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Mortgage query
Hello I wonder if anyone could give me advice – I am buying my brother out of his half of our jointly-owned property, which is half funded by me remortgaging, and was meant to be half funded by me being given money by my parents (very generous of them!). I am in the throes of completing the relevant forms, however I’ve hit…
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Default & Mortgage Application
Hi, I am looking for some advice if possible, I won’t go into the details as it’s a long story but I have a default from an old mobile phone contact that I believed was cancelled, turns out it wasn’t and I had a default registered against me on 10/09/2009, I did try to have this removed but they were having none of it. My…
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Deposit off parents and no real personal savings
Im hoping to buy my first house soon using a large deposot that my parents will gift to me. For the last 7 years ive lived rent free in a flat that my parents own. During that time ive worked full time earning about £20'000 a year on average. Despite this, ive not managed to build up any real personal savings (less than…
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Repayment to Interest Only
Hi All, Looking for some advice. I have posted on here a couple of months ago around the bills I have and the main response was just keep paying them as you are and reducing them which I am doing and it is going fine but not leaving me much wiggle room in case of emergencies and also means paying the minimums on CC's which…
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Ex-partner won't allow me to exit the mortgage
I'm posting this on behalf of my partner. My partner and her ex-boyfriend ended their relationship in May 2015 after months of emotional and mental abuse towards my partner. She has suffered from emotional neglect since she was a child and has been diagnosed with major anxiety and mental insecurity for which she has…
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Mortgage conditions query
I've just received a letter from my mortgage lender to say that they did not provide me with some important documents including a Tariff of charges and a set of mortgage conditions. The letter goes on to say it gives them the option to vary the fees on my mortgage and charge interest on those fees. They have subsequently…
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Will my situation allow a mortgage
I've just bought a business 7 months ago (Post office) and set-up another 2 months ago. All is going well and I would now like to get on to the property ladder. I'm looking at two ways to do this - BTL or first time buyer for myself to live in. I currently live with parents so I can continue to do so if I can purchase a…
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Paying off debts early
My son is looking to get a mortgage in about a year. His credit rating is assumed to be good (never been refused for anything, never done anything wrong - will do a credit check shortly). We were wondering if his credit rating and potential mortgage advance would be better if he paid off a couple of loans (one a personal…
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Remortgage with Accord - help with form filling in please
Hi, We are in the process of remortgaging, moving from the woolwich to accord. We received a form to fill in from accords solicitors. One of the forms is regarding building insurance. We have this with axa. On the form it says upon completion of the mortgage I need to include my lender as a joint policy holder or have my…
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Nationwide mortgage application accepted - question
My car just had it's MOT, and the cost to get it to pass is £700 :( If I use my credit card to pay £500 of it, will that change anything? The house isn't ready for another 4 weeks, and I can't be without a car that long - and I don't have enough money to pay for the fix (and I've asked friends/family, but they can't help…
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Question about buy-to-let on property already owned outright
Hi folks, I was wondering if I needed to raise around 30k would this be possible on a property we already own? Basically we own a property outright and it is worth approx 60k, we have successfully rented it out for the last 5 years. However our circumstances have now changed and we would like to get some money out of the…
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How long to wait after decline?
How long is good time to wait before applying for a mortgage after decline (hard searches done as declined at full application) ?
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Magellan Homes
Hi Has anyone used Magellan Home Loans for a mortgage? Thanks
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mortgage broker or advisor
Hi i know this is not the right thread for this but i know i will get the people i want here. So i have experience working in finance and am due to complete my cemap 3 fingers crossed. So here is my dilema i currently work for a bank should i try for a brokerage or look to become an advisor with my bank or another?
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Getting a UK mortgage is you are not a UK resident
If someone in my family lived in Switzerland and had a good salary and reasonable deposit saved, how easy would it be for them to buy a house in the UK? To clarify, this person was born and grew up in the UK, has a UK passport, but then moved to Switzerland. House owning in Switzerland is expensive and unrealistic, and not…
