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Any Santander Offers?
Hello everyone, My brother is a FTB and has been banking with Santander for over a decade. He's got an appointment with a mortgage advisor in 2 weeks time. He was wondering if anyone knew what offers if any, santander are giving to FTB? i.e. such as free legals, no mortgage fees or free valuation/survey? Thanks
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Will I get a HSBC mortgage with satisfied CCJ?
My agreement in principle was declined, with HSBC, looking into my credit file, I have a CCJ from 2012, which is now satisfied, but not showing as satisfied on my credit report. Once I have my credit report updated, i know the CCJ will remain on my file as satisfied, Some banks will still offer a mortgage if the cci is not…
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Consolidating debt to mortgage
Hi. We have recently applied to our mortgage lender (Nationwide) for additional borrowing to consolidate debts. Unfortunately our application was refused. I requested to speak with an advisor to take this forward, and was informed that they would contact me with 72hrs(is this worth it?) We currently owe less than 50% of…
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Advice on mortgage paying off
Owe about £20000 on mortgage have a private pension I can take a lump some from this which would pay this off also have a company pension too would you think it's a good idea to pay off the mortgage with my private pension so be mortgage free
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Interest only mortgage
Hi Some advice needed. I have an interest only mortgage with alliance & Leicester..it is ending in a few months. I asked a&l last year if I could start another mortgage. But they refused as I have bad credit Credit cards. I connect ed financial adviser they can't help Either. I will lose my flat any advice appreciated
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Anyone had success claiming the HTB isa bonus yet ?
I have been trying to find out how long it takes to receive the bonus. No one knows , bank, solicitors ... I read the guides available here and in HTB website . So far I have not seen anyone here with a sucessfull claim . We are due to exchange in a few weeks and despite having meticulously paid the amount I fear that I…
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Help to Buy ISA - can I still claim before completion?
Hi My daughter had a Help To Buy ISA. She went to the building society a week or so before exchange, to ask how to go about closing it to use the money towards the deposit and claim the bonus. They told her not to rush, as she had 12 months to claim the bonus (they spoke of it being more like a cash back than an amount to…
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Switch mortgage offer to different property
We have a mortgage offer with the Leeds on a new build. Ive got another thread open about this in a different section of the forum (it's been delayed and we can now walk). Can anyone tell me what happens if I want to switch the mortgage offer to a different property? The LTV would be slightly less, as would the amount…
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Early Mortgage Repayment Charge
My husband and his mother bought a house to rent out about 18 months ago and have since decided that they no longer want to rent. They have people who have made an offer on the house but during the selling process have been told that there is an early remortgage payment charge of £4,356.97. It was a buy to let mortgage,…
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Fixed term contracts...
So my query is whether it is possible to get a mortgage on a fixed term contract? I'm on a permanent contract and I have been for over 5 years, my partner has just gained his first job after being a family career. He's just received his contract that states it's a 12 month fixed term contract. His manager has stated they…
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End of tether.
Hi I've posted on here a couple of times since we've been trying to buy the same house since October, and am now at breaking point. Previous issues causing the delay (other property) are no longer relevant. Bottom line is we got out DIP based my employer loaning us the deposit. We went via L&C. Natwest are the lenders. All…
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Advise needed on mortgage ...
Hello, Just needed some advise really... I have recently bought a house on a buy to let mortgage. I received a letter from my lender stating that I need to send short hold tenancy agreement. They said they want them by 28th March. Problem is I don't have any tenants in there as the property is being repaired. What do I do?
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Help to Buy ISA, Buy to Let Mortgages cross over
Hi, I've found a perfect first buy to let property, well within budget and a good rental area. But I don't yet own my own place. My partner and I have help to buy ISA's and are around 12 months from making the jump to buying. I'm in a good position but she is still saving. I've always wanted to take on buy to let property,…
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Advice needed! Electoral roll - mortgage application
Hi, I was wondering if anybody can give me some advice regarding an application my partner has made for his mortgage? The building society have found that he has not been on the electoral roll consecutively at his mums address. Apparently they have found he has only been on the electoral roll for 18 months when he has…
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Will Buying a Car on PCP / Finance Affect Mortgage?
There's two of us. One person hasn't really got any credit rating, or it's a standard when starting out in the world of credit. The other person has a fairly good credit rating. If the person with not much credit rating buys a car and pays it off over 24/36/48/60 months, will this affect getting a mortgage?
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BTL mortgage - wage in euros
Trying to find out what the position is here for my friend... She lives/works in France, and is paid in euros, but has a couple of properties in the UK, which she needs to remortgage. She has just been told that she cannot now get a mortgage if she doesn't get paid in GBP. Is this true? Is there anything she can do?
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Do we need a DIP from a bank as FTBs?
As first time buyers my husband and I contacted London & Country brokers looking for advice re: mortgages and getting a DIP/AIP to put us in a good position for offering on a house. The broker we spoke to sent us a 'decision in principle' based on affordability criteria (basically our joint earnings). He also gave us some…
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Who to choose?
We are using an (independent, all of market) mortgage broker and she has come back with 3 recommendations for us to choose between. The interest rates, fees, overpayment rules and SVR (following the fixed term) are all pretty comparable - so what other criteria would sway you into choosing one lender over another? Is there…
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Remortgage Process & "Fair Treatment of Customers"
Help please on a remortgage that I have recently completed which resulted in my mortgage being switched to a lenders SVR for a month. To get a long story short, the issue I have taken up with the lender and the Ombudsman is that at no time during the remortgage process was I made aware that there was a processing time that…
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RICS report
Hi. Just received the RICS report on house we have had offer a accepted on. It highlighted some issues that were not a huge suprise, but it isn't specific. I now need to get a quote on having the work done but the house is unoccupied. Can anyone advise what to do next? Do I contct EA to arrange access to facilitate getting…
