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Mtg application: need statements for cards
Hi there I'm getting ready for my mtg application. I know I'm going to have to provide statements for (all?) bank accounts and credit cards. I have 2 'main' bank accounts and 2 'main' credit cards but that's not all. Do I need to provide statements for ALL of them? My issue is: there are some credit cards that I don't use;…
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about to apply for a mortgage
Hi i am looking to apply for a mortgage in the next couple of months the only thing that concerns me is that I might not earn enough to get accepted for the mortgage I want. I am a 3rd year apprentice and I will be qualified in august should I wait until then when my income increases or apply now ?
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Mortgage chances?
Hi, I wondered if anyone might be able to give me some advice about my chances of getting a mortgage. My situation is as follows (the good stuff first) Employed with local authority salary of £27k Husband employed salary of £36k plus regular overtime of at least an extra £5k p.a. Looking at properties around £220-235k and…
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Borrowing on existing property to buy in France
My wife and I currently have an unmortgaged property in the UK. We decided to move to France in summer 2015 and after renting for 6 months, we are now purchasing a property after deciding it is where we want to spend our lives. The property in the England is currently let to cover our rental/living costs in France and we…
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Estate agent's mortgage broker
FTB here. I've been searching for a property for 2 months now. Finding it a real struggle as stuff is getting sold in a day, sometimes never even hear about properties coming on the market despite trying to call agents daily. A property pinged up on Rightmove this morning, I called the agent and it went straight through to…
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Early redemption fees
Hi All, does anyone know if it is possible to get back early redemption fees? Recently I had to move to Scotland from England to keep my job, I contacted the nationwide to ask if I could rent out my house, they said they didn't do buy to let so would give me six months to sort something out before increasing my interest…
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IFA or Mortgage adviser?
Hi all, We have a potentially complicated mortgage situation that we're not entirely sure will work out and want to discuss all our options. Is the best person to speak to an IFA or a mortgage adviser? We own our property outright and want to buy a second property using the value of our flat which we would then rent out to…
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Awaiting Approval with Halifax
Hi Guys feeling very nervous nowi had a DIP yesterday with Halifax and all my documents will be sent off today.what happens now? my broker has already taken payment details for the survey to be carried out £355 :-( what timescale will i be looking at?? i live in Cumbriaalso Halifax only asked for a couple of documents…
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Removing ex from mortgage
Hi, messaging on behalf of my partner who still has her mortgage with her ex husband. All parties are agreed that the mortgage is to be transferred to my partners name only, or having me added to the mortgage as well (whatever is easiest) The mortgage is currently on a standard variable rate and as such is very cheap. What…
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wage slip
hi can anyone tell me what holiday offset means on a wage slip please
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Remortgage redemption statement / payment
Hi all. I'm in the final throws of my re-mortgage to Nationwide. Tracking the progress of the application online shows that the legal firm have received the redemption statement from the current lender and I'm guessing that the case will update tomorrow saying that funds have been requested from Nationwide. I've been told…
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Deposit query
Hi folks, I'm just looking for some much needed advice. My partner and I are expecting our first child, currently both in full time employment. Unfortunately, patience isn't our strong hold and we are very keen in having our own home in a year or so. Notwithstanding this, we will continue to save - however, my question…
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Ex partner trying to get money out of me
I bought my property in 1997 only my name is on the deeds and my ex partner knew I was buying the property for myself. We recently split up although he hadn't lived with me since 2011. My mother passed away a year ago and he knows I have some money coming from an inheritance. I have recieved a letter from his solicitor…
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Refused a mortgage cause new house is too far from work
This is so frustrating :( My husband and I applied for mortgage with Post Office (bank of Ireland). We got mortgage in principle and when we went through the full application they assured us we were very likely, if not guaranteed to get the mortgage. We have now been refused on the grounds the house we have made an offer…
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Wanting to buy my mums house
Hi there, my mother is thinking of selling her house that she owns outright and moving in with my sister. Her original plan was to split the profit and give half to Me half to my sister. Her house hasn't been valued yet but we think it will probably be worth around £120000. My question is, if I was to get a mortgage of…
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Gone to Valuation still no credit check
Hi I have a applied for mortgage with Kent Reliance, after giving loads of stuff to broker, it has progressed to survey and valuation, He says providing it passes survey/valuation ( am concerned, in an earlier thread) then its good to go but I just noticed that I havent had a credit check on my equifax account yet (just…
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Cheaper mortgage please
This is my first post so Hi everyone I have a mortgage with Halifax and have done so for 41/2 years and I am thinking maybe I could get a cheaper deal elsewhere. How does a person actually go about this ...is it something I could do online....would I in effect be remortgaging my property...but just with a different broker…
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This should be alright, shouldn't it?
Will an automatic credit limit increase cause any issue with our mortgage offer? We got our offer a couple of weeks ago. Full amount, preferred term, no special conditions. We have no debt apart from a 'rolling credit card', ie. one we use for groceries etc. and pay off in full every month. We always have money in the bank…
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Some advice please!!
I just wondered if anyone knows if tax paid through PAYE shows up on the SA302 form? I worked part time previous tax year and paid some tax through PAYE and some tax through Self Assessment. I now work full time but wondered if any tax paid through PAYE would count towards the account profits for that year in terms of…
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Credit card balances in relation to a mortgage application
Hello all, I wonder if some of you smart people can help me out? I have recently started to look for my first home and started to research mortgage deals, what I can afford etc but I am finding the whole thing a bit complicated. One of the things I am confused about is how to declare my credit card balance - it is the…
