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Mortgage Express terms and conditions
Hello guys, please can someone help me?! I really need to have a look at the Mortgage Express Terms and Conditions 2004 or 2010. Does anyone know where I can download a copy from? I cannot collect my post currently so not use asking them to send one. I can't find anything online at all, any help would be AMAZING. Many…
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Why Can't I Manage My Mortgage Account Online?
Hi Everyone I recently visited family in Australia and started to compare how things work differently between the two countries. When you take out a mortgage in Australia you can manage every aspect of your account online, you can see your current balance in real time, how much interest you are being charged daily and most…
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Btl
I am considering purchasing a buy-to-let property, spending a few months re-furbishing this. I will spend a fair amount of time here without living here. I will then potentially let this to my mother. Are there any potential issues here/ Thanks
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Precise - criteria
Halifax AIP was accepted, but after reading on here am worried about it being declined on full application (due to two defaults I have, both satisfied, one was 4 years ago and the other was 2 years ago, both were registered at current address not a previous address). Have read the Halifax AIP is useless as it won't pick…
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Moving previous to mortgage application
Just put down a plot holder deposit on barratt 4 bed house, going to be a while till it will be ready 2 years approx. We've have a few people now (one being a conveyancing solicitor friend of ours) advising selling our home first and short term renting so we have our equity (approx 20% of purchase price of new house )…
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Equity Release On A Property
I guess I just wanted to let people know some of my thoughts on this "seem's like a good idea" called equity release. I can almost see this being like the PPI scandal in years to come as this is a nightmare for our family right now. My mum and dad did just this back in 2004 as dad had his pension stolen and was left…
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Right to Buy Discount classed as a deposit
Hi there, Does anyone know if banks will class a right to buy discount as your deposit? My flat has been valued at £95k and I have a discount of £62k. I'd like to get a mortgage of £50k, £33k for the flat and the further £17k to do up my property but I'm not sure if this would be possible? Also, if it is possible does…
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Not sure whether to ask here or savings
Hi, I own outright at the moment. I have sold sstc, and have had my offer accepted on the new house which costs £15k more. I have savings of more than £15k, but don't want to delve into those if I can help it. I would just feel a bit vulnerable if you know what I mean? For such a small amount I don't know if it's best to…
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Deposit clarity…
Hi everyone, We have our deposit floating about in our bank account. The OH is all for putting it all in premium bonds until we are ready to buy (we will also have the home buy ISA once it opens in December and regular payments going in there) Will the bank question the providence of the deposit if we just drag it out of…
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Trying to sell property in joint names with ex
Hi there. Looking for some advice. My partner is currently trying to sell his property that is in joint names with his ex. It has been on the market a year and there has been limited interest and issues due to an incompetent estate agent which is now hopefully resolved. The property is marketed on all the right websites…
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H2B 5% Deposit AIP / MIP Questions.
Hello, My partner and I are hoping to apply for a mortgage within the next few months and have applied for a few Agreement in Principals online (soft credit searches only). We have a 5% deposit and are hoping to buy the house we are currently renting and so would be using the Help to Buy mortgage guarantee as opposed to…
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Remortgage
Hello, Our current fixed rate is going to end soon. We used Help to buy scheme with 20% equity for the past 2 years. When we look for remortgage most lenders are refusing to remortgage to them. They will only accept until we pay off the equity. Why is it so difficult? We have no choice but to stay with the current lender.…
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buying for daughter to hand over later
My daughter is getting married. She's a student and her husband to be is unable to work at present. She has a deposit of £10,000 from a grandparent and we are looking for a house around 70,000. My wife and I will buy and hand the house over after a few years when they are both working (she is in 4th year vet school). What…
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What looks better to a lender?
Can anyone give a general view as to what looks better to a lender for one of the parties on joint FTB mortgage application? Salary £34,500, bonus 10%, no overtime, no travel expenses as company vehicle or Salary £26,100, bonus 12.5%, overtime £11k (has been this amount for last few years on payslips), travel £80 p/m…
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3.99% variable rate
i took out a hsbc mortgage in dec 2014 on a 3.99% variable rate (3.49% above Bank of England Base Rate, which was 0.50% at the time) i'm just wondering if that's still a decent rate? i shopped around at the time but i'm a bit unsure about whether or not i should look for something else because my mortgage doesn't include…
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BTL criteria
Hi Im sure some of the brokers on here will know where to go i think woolwhich may be one. I know for a fact i could lie to TSB and get away with it any other better ideas? I will almost certainly end up with a broker for this who hopefully will be able to place this. Just wondering if anyone can give me pointers on what…
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clyesdale Mortgage
hi i am self employed contractor and my husband is employed we have gone through a broker (who is rubbish and slow but thats another story) both our credit reports on Experien are showing as ' FAIR' - is this something i should be worried about?? (no defaults or late payments) affordability is fine - i am just afraid they…
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Self Build BTL
Hi, I've seen a plot of land with planning permission for a 3 bed detached house I am looking to potentially buy the land, build the property, through a sub contractor and then let the finished house I am looking to finance the project through a mortgage with staged payments. I've tried a few typical lenders today but it…
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Do you think I'll get a mortgage???
So I'm sick of renting, and want to buy. I spoke to a mortgage adviser who told me I can get £140+ on my own, but I want to buy a Help to Buy property worth about £100k, so I'd need a mortgage of about £75k. My only worry is my credit score. I'm currently bordering poor/fair, I've just registered to vote and paid off my…
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Help with 95% Mortgage
Hi All A couple of years ago, my wife and I purchased a property outright abroad so we have a place to stay when visiting my wife's family. We liked the idea of having a place to ourselves and the added security of owning a flat outright without a mortgage. Now we've saved up the money for a 5% deposit in the UK to buy our…
