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Mortgage advisor ratings/reviews?
Hello everyone This is my first post so apologies if I'm not following etiquette! This sounds awful but... is there a review site somewhere where I can feed back on my APPALLING mortgage advisor? Apart from Which? because I don't want to pay! We're buying a house (survey is done, conveyancing underway). It's empty and we…
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Offer accepted... Next steps?
Hi, I'm a first time buyer and had an offer accepted on a house today! Just wondering what the next steps are now?? I'm hoping to speak to my broker in the morning but I'm so excited!! Also any idea on timescales? I have no chain obviously and sellers are also moving into a house that is empty! Im hoping it could be pretty…
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Transfer of Equity - Lender says yes, solictor says no.
Hello everyone, 1st post on this site, so be gentle! :) My partner (we are unmarried) has been living with me for the last few years. She gained permission to let when she moved out of her property (purchased on a residential mortgage). Now, having had various discussions and, more importantly, each having received…
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Halifax ...maybe ?!
Hi there new here! I'm a sub contractor on Cis, boss pays my tax each month. I've been looking at Halifax mortgages and wondered if they take net or gross wage ? A lovely kind tax lady has mucked my yearly takings down from £60k to £30k so struggling to see who would lend me the £160k to change my mortgage. House is worth…
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Nationwide DIP to Full Approval
Hi All, First time posting on this site, hoping someone can share their experience/wisdom! My partner and I have just received our Agreement in Principle from Nationwide through a London and Country broker. I just wanted to check if anyone knew how often a mortgage application might be turned down after a successful AIP? I…
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Problem Remortgage
We have 2 (non status) mortgaged properties, both of which have been conducted without any problems. We have equity in the 2 properties of around 900,000.oo. We also have another which is unencumbered which is valued around 600,000.oo We have just been given planning permission to extend one of them and would like to…
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Extending the term
We have an interest only mortgage with Santander which was taken out in 2007 and the interest paymenmts have always been paid on time and in full. The loan to value is 37% so there is loads of equity as the property is valued at £950,000+. The current term end on the mortgage is October 2018 when the capital is due to be…
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Equity Release Spiralling Nightmare
Hi all, I'll try to give as much information as possible but don't know the full details! My father in law took out a £30k equity release loan on his property about 20years ago and has just told my wife he now owes £60K and counting. He has told her that if he lives another 20years then the debt could reach £120k meaning…
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Re-mortgage help please...
Hi, This is probably a stupid question so please be kind as I have no clue when it comes to things like this! My mortgage deal with the Halifax has ended and im now on their 3.99% rate so im looking to switch to a better deal if possible. Im currently looking at these 2 deals from tesco: 1) 2 year tracker initial 1.29%,…
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What would you do
What would you do? Our fixed term is due to come to an end in June. I earn 30k and my husband earns 20k + 3k part time (TA), our mortgage has around 94k outstanding, the house is worth around 108k My husband is applying to go to University in September this year (full time so will be giving up work, however part time 3k a…
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Mortgage advice with poor credit
Afternoon all. I'll briefly explain my circumstances and see if anyone has an opinion on where I stand or whether I should just wait it out, or if anyone has had success. I entered a DMP (credit cards 7k) due an illness with my son which required me to take off work, the DMP has been fully settled within the last month due…
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Equity Release Vs Homewise
Hi all, this is my first post so will keep short. It's that time of life and we are looking at options for our future. We are definately downsizing and looking to free up some equity to help our son. We are looking at using Homewise for the next purchase or Equityrelease on future purchase. I have done some reading but too…
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Remortgaging & Borrowing More Help.
Hi, We are currently living in a 3 bedroom detached house but are looking to add an upstairs extension which will turn the house into a 4 bed with en-suite. We are due to remortgage early next year so will be looking into mortgages later in the year. Our figures will look something like the following:- Owe £160k House…
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Divorce and mortgage
Hello all , I'm about to get divorced, I'm still in marrital home, it's worth 250 with a 100 outstanding, I'm happy to move to a smaller home as my 2 boys will be fleeing the nest soon . I've been in the same employment for 18 years and earn 12,000 a year,,,,,,,BUT as my employer didn't want to pay that 'I'm in pension '…
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Additional borrowing - can we ask for as much as possible?
We're about to approach our mortgage provider for some additional borrowing. Their mortgage calculator says we can probably get an additional £49k (which is up to 85% LTV and in line with our income and expenditure). I know this calculators are anything but certain but are we able to go into Santander and say "We'd like as…
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Interest Only Mortgage worry
We took out a self cert interest only mortgage with Birmingham Midshires which is due to come to an end in 2022. We have no policies in place to pay back the principal amount and are well aware and have planned for the fact that we will be selling the house to pay back the mortgage. We were hoping to be able to wait until…
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Best mortgage provider for £51k over 15years
Hi everyone. just got my yearly statement from Leeds Building Society and i noticed we've been paying 5.69% which i find quite high. We've got £51,000 over 15 years left to pay our mortgage, currently £418 a month. Can anyone advise me on what type of deal i should be looking for? I wasn't sure if the mortgage deals where…
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Chances of mortgage approval
Hi all, a quick one if anyone can help put my mind at ease or help out in any way, I have one default from may 2010 satisfied for £600 (payday loan) and other numerous payday loans on my file 8 from 2013 (Wonga) and then 2 more recent sept 2015 (I still thought they would improve credit rating and took them and paid back…
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Mortgage needed with large deposit & low income
We have just sold our house & are wanting to move to a similar priced property but our mortgage lender ( for the last 20 years & 2 moves ) have turned us down due to affordability. I am going to ring up a broker tomorrow but wanted to see what advice the forums could give. My husband & I have had a mortgage with no…
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First time buyers - self employed - Help?
Hello, I was hoping for a bit of advice. Myself and my partner are first time buyers and are both self employed. We visited a mortgage broker recently for a prelimiery meeting and he stated that our best chances would be to go for a mortgage with Halifax as they are willing to accept 1 years tax records as long as…
