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Getting a mortgage with arrears
Does anyone know how bad two months mobile phone arrears on credit file is , for getting a mortgage. It's from 2010. Everything else bad has fallen off file after doing a DMP . Also Do you have to admit past credit problems on application if it's not on file any more.
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Broker got my mortgage declined
Hi guys, I am in a bit of a panic now. We had an offer accepted on a place last week. We recently had another offer fall through a 3-4 weeks before we had an offer accepted on this place. The broker has been ignoring me for since Thursday last week and I just got a call today to say the application has been declined…
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Re-mortgage
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When to complete
I am buying my brother out of our joint house and have received the mortgage offer and we have signed the Transfer etc. My solicitor has said that one of the next steps will be to decide a completion date. We are in no rush as my brother doesn't know when he is moving out as his wife hasn't sold her flat and they haven't…
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First-time Buyer Woes - Light at the Ed of the Tunnel?
Hi everyone! :D I hope everyone is having a good mid-week! :) I have come here looking for a bit of advice and for your opinions please! I've been renting for just over a year (across two separate flats). I'm in the process of renewing my tenancy for another 6 months, as I will shortly be starting a new job and want to be…
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Property with an Annexe and Commerical Building.
Hello, Apologies if I miss anything out here, this is only my 2nd post. My situation is thus - Me and my fiancé are looking to buy a 3-bedroomed property with an annexe (which her mother will live in at some point, but not for at least 5 years) and the property also has a 27-foot and 22-foot wooden commercial property(s)…
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Mortgage - easy or not
Hi, My situation is as follows... I have a flat and mortgage with C&G My wife wants to move to a bigger property However, I have tried to move mortgage with current provider but I am self employed and have had a few bad years so income is really low AND I also have £40k of debts, am on a very long DMP AND have four…
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HSBC process
Hi Wondering if anyone who has experience with hsbc can help Buyer is using hsbc and has gone direct to bank, no broker. Mortgage application was with HSBC for 4 weeks. Last Thursday buyer contacted Estate Agent said morgage had been approved and had instructed solicitors to commence searches and work. In the 4 week period…
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Mortgage
Hi all Wonder if anyone can clear something up for me. We were buying a house and had our mortgage offer etc. The vendor pulled out on exchange day so we lost the house we were buying. We have just managed to find another property and had an offer accepted at the weekend. What I am asking is do we have to do through the…
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Mortgage declined help advice
Good evening. I hope someone may be able to help or advise on best way forward please. My broker applied to Halifax for full mortgage application following my complete honesty about Dmp plan which I have been in since 2001. Creditors have always been paid. Halifax looked at this closely for two weeks with the underwriter…
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Residential mortgage for 2 flats
Hello My partner and I would like to purchase 2 flats to convert back into a house for us to live in. We have spoken to a mortgage advisor who has told us that this is a very unusual situation and that we will struggle to get a mortgage. He is going to look into it and get back to us but I'm hoping that someone here can…
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Halifax - totally confused!!
Hello we applied for our full mortgage about 2 weeks ago. We want to buy a £500,000 house putting £200,000 deposit so 60/40.We want to borrow £300,000 according to our mortgage advisor this is fine. We got the agreement in principle too which offered that amount. I'm employed on 18,000 a year and hubby is self employed.…
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Remortgage - help please
Looking for some advice please. Have 2 properties with no mortgages: A and B. A: House is worth about £850,000, rented out for £30,000 per year. B: I am living here, worth about £250,000-£300,000. I want to release some money from A to pay for another property to let out. I am looking at places in the region of £500,000. I…
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I want to release money from my house.
I am only 25, I got a large inheritance from my grandad when he died. I purchased my first house last year in brighton (which I renovated) I brought it for £325k, did it up by putting £50k into it (my own money) and had it valued recently from 3 different local estate agents for £499k. My wife has gotten very attached to…
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Re-mortgage question to clear debt
Hi Guys, Just need a bit of advice around my situation. I currently have a loan of £20k which I am hoping to remortgage and clear off in a month's time. My current rate is 2.4% but if I do remortgage the rate goes above 4% with the same lender (I am currently in a fixed term contract). After remortgaging my total mortgage…
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What income is used to obtain your affordability?
Hello All! My query relates to what income mortgage providers use to base your affordability on: With my employer I get the following: Salary Car Allowance Travel money Lodge allowance I guess the big one for me is the lodge allowance, we are given £100 per day which is for our hotel and evening meal. I work for a building…
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Halifax mortgage valuation/offer question
The buyer of my flat is having issues with the lender his broker tried (Accord-no idea why they bothered as online reviews are attrocious). They're being funny about service charges. The broker has now applied with Halifax, or must have done last week as a valuation has now been booked in for the middle of this week. My…
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UK mortgages whilst earning in euros
Having a nightmare trying to get a new mortgage for a home we are wanting to move quickly on, I have always earned in euros and never had a problem in the past, can someone recommend a lender that is happy to lend sterling to a euro earner. I understand new rules have been brought in by the EU which has caused a lot of…
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Mortgage broker fee sharing?
Hi, I know exactly which specific mortgage I want, so don't need any broker advising me - are there any mortgage brokers around who are willing to share the fee they are getting from the lender, given they only need to process? Mortgage eligibility is not the problem. Many thanks
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Offshore worker - help!!!
I've just had a 95% mortgage declined with the Leeds because I pay tax abroad. I work offshore but reside in the uk. I work off Denmark so my tax is now paid to them. I've only got 5% deposit right now. Anyone any experience in this field?
