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Not on the electoral roll...!
Hi guys, So I've just checked my credit report and it turns out my electoral roll EXPIRED...! I didn't know this happened, and I have had to re-register. The issue? We've just had an offer accepted on a house so are planning to apply for a mortgage this week...! Is there anything we can do about this? I have registered…
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reserve limit
My current mortgage statement reads that my remaining mortgage balance is £xxx,xxx and I have a reserve limit of -£20,000. Does that mean I owe xxx,xxx plus the £20k?
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Save for more deposit or help to buy?? VERY CONFUSED!
Hi all, Myself and partner are looking to purchase our first home together! We have a mortgage in principle for £280,000 - and just seen a new build house for £285,000 that we both really want. We have been saving for a deposit and should have in the next few months £28,000, so we thought we'd have 10% deposit for the new…
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My first post - FTB
Hi all This is my first post in the forum and not sure whether this question is allowed here or not. But i need some recommendation/referral for a Mortgage broker in Preston (Lancashire) area. Regards
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Lump Sum Payment On Combined Mortgage
Hi, my partner has recently taken VR and as such we now find ourselves with a decent lump sum with which to pay off part of our mortgage. The problem we have is deciding what to reduce, as we have a split mortgage consisting of both Interest Only and Repayment. The I/O consists of a £40,000 debt and the Repayment part an…
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Advice required on stamp duty from April for second homes & BTL
Hi all We are looking to buy a property in the next few months. It will be our main home and it will be the only property we own. However, my wife was added to her sisters' mortgage last year as a 1% owner as her sister had separated from her partner and as she has a fairly low income this was the only way to allow her and…
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Trying to re-mortgage
Any help would be amazing right now as my sitution is a little odd. I'm trying to re-mortgage my current home as i need to remove my ex partner off of it. I no longer need to add the extra agreed amount to pay him off onto the new mortgage as a amzing fmaily memeber has given me the money to do this. All i need is the…
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Mortgage Acceptance? Home 200 Miles away from Job
Hi Guys, I am looking for some advice as I have a bit of a time constraint regarding purchasing my first home on the help to buy scheme which finishes at the end of 2016. I am currently working in London for my employer which I have been employed with for 2 years. I am hoping to purchase a house in Leeds this year whilst…
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End of 2 year fix - financial not so fun and games
Hi, I am just looking for a little advice as my 2 year fix is coming to an end in the next few weeks. Background: Since I took out the mortgage, my husband (resident abroad and not in the UK for more than a few weeks) has not been paid for about a year. I have just looked at the affordability calculator for my current…
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Joint HTB mortgage, 1 self-employed and 1 employed.
Hi there, Looking at purchasing a new build towards the end of the year, Im self employed and my partner is employed. My first self assessment I completed myself online via HMRC. Will I need 15/16 to be completed by an accountant to have any chance of being accepted on a mortgage or will I be able to submit the return…
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Appointment with Lloyds Mortgage Advisor
Hi all Im a current Llolyds customer (bank account) and was in branch at the weekend adding Club Lloyds to my account as it wound't allow me to do so online. Anyway, whilst in there I have reluctantly agreed to meet with their Mortgage Advisor in a couple of weeks time. I am however not sure if it is going to be worth my…
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10Yr fixed rate ending in July 2016
Hi all, I'm looking for a little advice if you'd be so kind: I probably need a very general forum as my overall financial situation is not 'managed' at all, but the mortgage needs attention shortly: Nationwide Building Society. I'm on a 10 year fixed rate, 4.88% (!) ending in July. Initially £90K, but now down to ~£36K…
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Increasing mortgage on existing natwest mortgage
Hi Guys Has anyone increased their lending with NatWest on their existing property? If so was it straightforward and how long did it take? thanks
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HSBC Multiple Credit Checks
Hi All So I'm new and have been following for a while. My partner had a DIP with HSBC. (I have credit issues from a few years ago, so it is a sole application) Anyway, we had an offer accepted for an £80,000 house. We are using LIFT government shared equity scheme, so they are 'giving us' 20,000 and the mortgage is for…
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Right To Buy Issue.
Hi, I was hoping someone on here could offer some advice. 4 years ago, myself and wife applied and received a right to buy mortgage. The house was valued at 76,000 and we received a 24,000 discount. We have decided to separate, and she wants her share. I knew the discount may be an issue from the off, so we agreed to…
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Help with how to split share of ownership when buying
Hello, New to this forum but here goes; So my partner and I are buying our first house. The price is £232,000. We would like to have a deed of trust outlining that I 'own' a pecentage and my partner has the other percentage. I have my share of the cost in cash, and do not require a mortgage (116,000 in cash). My partner…
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Advice needed on buying first home
Hi, I'm looking to buy a new home very soon. My salary is £30500 and I have a deposit of £25000. Based on my salary I am allowed a mortgage of around £143000, however, I've seen somewhere I like for £200000. Can you use schemes like help to buy to increase your overall borrowing (I'd need to borrow £175000 in total) or is…
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Pay off student loan?
Hi all I have posted a variant on this question before but didn't get much of a response so thought I'd try again. I'm hoping to buy my first property some time this year. I have an outstanding student loan of around £4,500. I was always led to believe that student loans would not be taken into account for the purposes of…
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Valuation at 5k less
Hi! We have been actively looking to buy for over a year. By the time we saw this property, which was further out from the area where we initially wanted, we were a bit desperate. We put an offer for 4k under asking price, which was accepted.The mortgage application went through. The valuation came back at 5k less than…
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Mortgage Query - What you see is what you get???
Good Evening all. Hopefully a straight forward one for you all. I am currently in the process of comparing mortgages and looking for the best price for my first house purchase. My question is do you typically pay the rates advertised or are these likely to change? For example, I am currently looking at a mortgage deal for…
