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Not worked in 8 months - missed payments
Hi, Due to bad health I felt the need to quit my job in March this year. Of course this has had a strain on finances. I'd been keeping up payments but since I am now really feeling the squeeze, I have missed the last two payments to the Cypriot bank with whom I have a mortgage. I am asking them for a mortgage holiday until…
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Mortgage for Self Employed
Dear All. Please can someone advised any mortgage providers that do not require more than 6 months of invoices for proof of employment? This is my situation: I have a mortgage with HSBC which the fixed deal is due to expire end of this month. I would like to increase mortgage by 20k to carry a number of home improvements.…
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Yes Financial Mortgage broker
Hi - has anyone out there dealt with Yes Financial with regards to mortgages? How did you find the service? Any feedback would be much appreciated! DCx
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Catch 22 - mortgage advice needed
I am about to apply for a self-employed mortgage, I am a director of a company with 3 years worth of accounts. So far so good. The problem I am facing is that I need to sell the business in order to provide most of the deposit (I have a buyer lined up). Obviously I will not tell the lender this as they will not lend to me…
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Probably a stupid question about mortgages
I'm sure I read on here that you have more chance of your mortgage application being approved if you apply at the beginning of the month. Due to lenders having a big pool of money to lend that reduces as the month goes on. Is this true??
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Mortgage payment missed
Hi We've had our mortgage for 4 years never missed or adjusted a payment, but due to a few unexpected bills we are struggling to meet the mortgage just this month, how simple is it to miss a month ? what are the consequences etc ? we are with Santander if that any help to you ? Thanks :money:
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Ready to remortgage & need 20k additional borrowing
Hi all, We are approaching the end of our 2yr fixed term with Natwest. So while we are ready to re-mortgage we'd also like 20k of additional borrowing to finish the renovation of our 1930s home! We just really wanted to know what are the chances of getting this particular figure and at the same time getting a decent…
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Remortgage half house
I currently have a mortgage on my house. I want to buy a new house with my partner and sell my house to my son but he can only afford to buy half my house. Is it possible for him to get a mortgage for half my house an me to remortgage half my old hose and half my new house. My partner will be paying cash for his half of…
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Independent Legal Advice - HSBC request
I am taking out an HSBC homeowner loan on the home I own jointly with my husband to buy out equity held by relatives in my late Mum's house - buy to let not possible with them as I don't own 100% of the property. After a very, very, slow, drawn out process having chosen over the phone service, we have received a mortgage…
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Mortgage Porting
Hi guys, So basically as the title says I am asking about mortgage porting. Our background is we got into a bit of a financial mess over the last 5 years. We are now managing to claw our way back. We have a DMP that we have been in for about 4 years and some small credit card debts. We have our mortgage with Nationwide…
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Bridging loan rules and etiquette
Hi all, I'll keep it short and sweet and any help/advice is greatly appreciated. Currently I own a house outright with no mortgage with an estimated value of £1.7m. I want to raise some capital to pay off debt and ideally want a small remortgage but for one reason or another am unable at this time to secure one. The…
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Applying for mortgage with new current account?
Hi, I am looking to close my existing current account with Barclays and switch to Santander, The only problem is, I am looking to apply for a mortgage in the next few weeks and am a little worried that not having 3 months bank statements will affect my application. Can I simply request the statements from my Barclays…
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Money to chuck at mortgage - advice required pls!
Afternoon all. I've been very fortunate (mostly) in having recently had a critical illness policy pay out. Now, whilst I would rather be 100% healthy and have a mortgage, I am now in the position where I can pay off a huge chunk of the mortgage and, as it appears right now, live a pretty long and healthy life, without that…
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Mortgage advice needed - about purchaser of my home
Hi, The lady that wants to buy my house only purchased her one in September 2015, but really wants to move to mine now. Can she do this? will she be allowed to transfer her mortgage or will she need a new one? I am just worried it will be an issue and break our chain. Thanks in advance for any help, Simone
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CGT on consent to let property
Hi there - I am a first time buyer in the process of trying to buy a flat. However I am potentially also going to be moving abroad in the near future. I have told this to my mortgage broker who has informed me as long as nothing has been signed or confirmed you can go ahead and apply for a residential mortgage. Once thats…
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Family Members & brokers
I have a cousin who is a broker. Are they allowed to have family members as clients? I don't want to embarrass her by asking if not. Thanks,
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Mortgage product fees
Hi, I am looking for a new re-mortgage deal as my 2 year Natwest product is coming to an end. Looking around on the site here at various products available I can save a few hundred pounds (<1000Gbp) by going to a new bank. Natwest have a product which is comparable if they wouldn't charge the 1000Gbp product fee. Has…
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BTL mortage borrowing
Hello, Everything where we live is so expensive. We were wondering if we would borrow more using a btl mortage and let it for 5 years + as mine and my partners salerys will be a lot higher after this time and we have some inheritance in the pipeline. It also gives us more freedom to move around etc until we want to start a…
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Urgent Conveyancing Recommendation - quick look at my shortlist and honest opinions!
Hi all I got an offer accepted yesterday on a lovely flat, on the condition I move to complete as quickly as possible because the vendor wants to get his money as quickly as possible. I've shortlisted the following solicitors for the legal side of thing - obviously I'm keen not to pay over the odds (:money:) but also…
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Solicitors fees for remortgage on leasehold/let-to-buy?
Dear all, We are getting a £450,000 let-to-buy mortgage on a leasehold property we own outright. We already have a solicitors who are handling the purchase. As part of the mortgage (which seems to be classed as a remortgage) - with Virgin Money through a brokerage - we have been told we need further legal work by a…
