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Help! Self Employed Mortgage Advice
Hi My husband and I have been running our business for 2 years. We have just filed our second years accounts. We can find lenders that are happy for 2 years accounts but our problem is that he has been a Director from the start and I only became a Director last year. I've been told we will need 2 years SA302. My husband…
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Moving Jobs Whilst Awaiting Completion
Me and my partner got a mortgage at the end of January. Contracts have already been exchanged but completion is not until June. Last week I got a phone call from a ex manager, invited me in for an "chat" at the company he currently works for and today sent me an email offering me a job, same role but flexible hours and…
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Santander using 'average' outgoings for affordability?
My husband owns our house, value around £250k and outstanding mortgage is around £50k with Santander. The mortgage is in his name only. We were thinking of moving to a bigger house and were offered a new (joint) mortgage in branch for between £120k and £160k, the upper amount available if I increase my hours at work. We've…
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New Mortgage Rate with HSBC
Hi, I am on a joint mortgage with a family member at HSBC. The 2yr fixed rate is due to expire in 3 months time and we have a meeting booked soon to get a new rate. Does anybody know if Credit Checks will be re run against us again or not? Many thanks in advance. Nigel
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Remortgaging Advice please
I'd like a bit of advice please about remortgaging with a not so perfect credit file. Long story but I was financially stung by a member of family and as a result have got into a little debt due to them. I don't have any CCJ's just a couple of late payments. I own a property which has quite a bit of equity in it and have…
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Endowments
my endowment that i took out with eagle star 25yrs ago is maturing. They sent me a recent statement. The policy has hardly made any money...I will just about recover the money i have put in. What a waste of time investing. Can I put in a request to find out where all the money has gone ?
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Mortgage newbie
Hello all. Me & my partner looking to get a mortgage next month or so. We have saved up 10% deposit. We are both employed with no real adverse credit apart from few missed payments over 3 years ago. I would like to ask based on your experiences who would you recommend to apply for a mortgage with. What providers are less…
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Notice of Correction - remove? or will this confuse current offer?
We had a mortgage offer late last year with Halifax. I had a Notice of Correction on my Experian credit file at the time, which I know delayed things as it got referred. I have since discovered they are not recommended, due to this reason. However, we are buying a new build and our mortgage offer is due to expire before…
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Halifax HTB Mortgage
Can anyone help? We originally applied for a mortgage with Halifax, based on using a 10% deposit. However, things have now changed slightly and we now only have a 5% deposit. Halifax have agreed that we are within their affordability guidelines but say that we do not meet their internal credit score to be eligible for HTB…
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No Fee Mortgage Help
Hi there, could anyone recommend a no fee mortgage? I have a LTV about 62%. The mortgage would be a repayment over a period of 21 years in Scotland. I am currently on a rate of 2.64%. Any help would be greatly appreciated.
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Moral dilemma - do it myself or continue with mortgage advisor
Hi, I have decided initially I will be using mortgage advisor because I thought I will need a big mortgage and I will need his in-depth knowledge, which bank will lend the most etc. Now it turned out we are buying cheap property and need very small mortgage so getting a mortgage won't be a problem regardless of which bank…
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Letting out existing property to buy new home
I am in the process of buying a new home with my fianc!e (we're getting married next year!) and have a few questions to check that my thinking is correct with regards to our future plans. I own a home already but my fianc!e doesn't. It's valued at around £600k and there is still £175k on the mortgage, so I effectively have…
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Urgent Mortgage Help, not sure what to do
Right here goes, bit of a long story: My husband of 30 years walked out on me (3 children living at home, 26, 19 and 14) just over 2 years ago and went to Malaysia supposedly for a better life!! Since then he has been paying the mortgage and Ive been paying bills (on a part time job and tax credits). He has had bits of…
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Mortgage rate of interest fallen
Hi, We have mortgage offered with HSBC bank when the interest rate was 2.09% for 2 year fixed but now the rate of interest has fallen to 1.99%. I spoken to the lender who have said they would not offer us the revise rate of interest unless we go through a new mortgage application with them. I don't understand why we are…
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Add me to partners mortgage & other options
Hi all. I just wondered if anyone had any advice/experience on adding a partner to an existing mortgage (+ deeds). I live with my partner and have been paying him half the (First Direct) mortgage by standing order since we moved in 3 years ago. However, he bought the house alone as he had been in his job longer and had a…
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Daughter's dilema
Can't find the answer to this anywhere but don't want to employ a solicitor at this stage. Hope this is the right forum. Daughter's huband walked out 1 yr ago. They had been married 9 months. He has a boyfriend. He does not communicate, never really did as he lived and worked away from home returning at weekends. Daughter…
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Getting a mortgage when relocating & pregnant!
Hi all Just looking for some advice. We are looking to move to from the North East to the Midlands to be nearer to my family, and we are also hoping to get pregnant. The plan was to get pregnant, stay in our current jobs until I'm ready to pop, and then buy a house in the Midlands and move! However, I've spoken with TSB…
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SPML/Acenden mortgage customers
Hi, Just wondering if anyone has had their payments hiked up this month by Acenden? They have sent me a letter saying the base rate has changed so it's an extra £80 a month. I wasn't aware the base rate had gone up? This comes after I'd made a complaint regarding them loosing my proof that I had renewed my buildings…
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Shared mortgage
Hi, 3 years ago me and one of my mates got a joint mortgage on a house. The house is valued at 90k and we owe 70k on the mortgage. I want to move out and get my own mortgage on a new house but keep my current house. My housemate will either move out too or stay in the house and cover my mortgage payment (as it would be…
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Refused Mortgage at DIP stage
Hi all, Newbie to the forum and after some advice. Today myself and partner had a meeting at a bank to attempt to get a mortgage. About us, 24 and 27 currently renting. I have 2 jobs with Fire & Rescue Service, one fulltime on a fixed-term contract (extended twice expected to be permanent) earning approx £22k a year, plus…
