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Valuation done by buyers lender
Hello all, I have a question regarding the valuation done by a surveyor, who was instructed by our buyers lender. I wondered, should we be privvy to the report/valuation figure, or am I only supposed to know about this if there is a problem? e.g. if the valuation is lower than the agreed price, and the buyer can no longer…
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mortgage agreement in principle
Because of such a hot market in London, threads on MSE have suggested that to stand a chance of buying one of these fast moving properties, you need to get cracking with a 'a mortgage agreement in principle ' . My daughter after answering a few questions, has been told by a member of Nationwide branch staff , they would…
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Mortgage Broker - Poor Credit
Could anybody recommend a mortgage broker/website that could help me get a mortgage? I have very little debt as such but I recently managed to get a CCJ after a mix up with Council Tax payments. Thanks in advance
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Countrywide Conveyancing services review
[FONT=times new roman" , "serif]This is an email I sent to the CEO of countrywide conveyance. You may be interested in what I have to say but at the end of the day, giving them your business is up to you. I make no apologies for posting this review on here and it appearing on a number of sites including CIAO as I want as…
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Mortgage application date
My mortgage is due for renewal at the end of June I'm not going through a mortgage broker as only need a small mortgage When would I need to apply for a new one, can I apply any time and state that it starts on the 1st of July?
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Partners buying house, only one is first-time buyer
Hello, Me and my partner are looking to buy a house to live in. I am a first-time buyer but he already has a property. Will we not be able to get an first-time buyer options if we buy together and how will this effect applying for a mortgage etc? Thanks for your help. April
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Re-Mortgage timescale?
Hi has anyone been through a re-mortgage to another lender? Could you please let me know the timescales and costs that you incurred please? Thank you. :beer:
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Car Finance & Mortgage Applications.
Hello all, I'm a newbie to the forum so hopefully I will do this right! I am currently paying off a PCP on my car (£173 pm) which is due to end April 2017 and my options then will be to either hand back the car, start a new PCP or HCP on another vehicle or pay a lump sum of about £4000 (which I don't have) to keep the car…
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Old mortgage question...
Hi, According to my credit file, I'm still named on the mortgage on the house in which my ex wife and children live. As agreed during our divorce in 2010, I took a lump sum of equity from the property with a retained interest of 11% of the value of the property. I'm a little surprised that I'm still named on the mortgage…
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Lloyds mortgage offer
Good morning, We are hoping to get a mortgage offer from Lloyds in the next week or so. Does anybody know for certain how long they are valid for with Lloyds? I think it is 6 months, but am not totally sure. My main reason for asking is that our sellers have proposed aiming for completion in July- and if our offer is only…
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Debt Consolidation & re-mortgage
I'm wondering if the following would be possible and if most lenders would approve of it or it would be just a select few? We would like to remortgage our main property to allow us to consolidate all of our current debts and have just the one payment. We currently have an interest only mortgage on our property for just…
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help! its complicated......
hi can anyone help me with some advice please? i own half a house. with a close relative. another relative who had hit hard times then moved in, he pays a nominal rent as he cant afford much. i didnt like living there so moved in with my longterm partner. i dont pay anything to live here. i would now like to buy another…
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Mortgage help : HSBC Lifetime tracker 1.49% + Base Rate or a short term fixed deal ?
Whats better for a £100,000 mortgage debt with 60% LTV . HSBC lifetime tracker at 1.49% + Base rate = 1.99% and has a £725 set up fee. or 2 Year fixed deal at around 1.74% no fees. ?
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Mortgage Advice Needed
Hi Everyone, First of all I am new to this forum so hello everyone. Last month my girlfriend and I found a house that we wanted to purchase. We were unsure whether we could afford the property so the housing company (Taylor Wimpey) advised us to call a company helpline call New Home Mortgages. They asked us to provide them…
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Credit card statements mortgage application
Will I be asked to provide credit card statements when applying for a mortgage? Will printed copies be accepted? I currently have all statements set to paperless and have just changed my current account settings so that I have bank issued statements and thinking I should do the same for my credit card.
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Taking share of house with re-mortgage
Hi all, Me and my ex split a while back (not married). We have two children that live with her in the house and because of this she doesn't work but intends to as soon as she can when the kids are in full time education. I pay child maintenance and she has also started receiving tax credits and benefits etc. since we…
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Opening a isa now then next month
Me and my partner are wanting to open a help2Buy each and a normal isa as we want to save more than £200 each if we open a help to buy isa this month in april after the 6th can we then open a normal isa each too? Thanks
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Mortgage on Flat where bedrooms separated by common landing
I'm interested in buying a flat where the second bedroom is separated from the main part of the flat by a common landing. So you have to exit the front door of the flat, walk down a common corridor to then enter the second bedroom. (It's all on the first floor of a four story building) The second bedroom has an en-suite…
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mortgages, salary & age?
Hi we currently have a mortgage. My Husband is 70 and the higher earner, I am 47. I would like to know. If I was the higher earner would they look at my maximum years for a mortgage or would they still go by my husbands age regardless. We have a mortgage remaining of 13 years. We would like to move but if my salary was…
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Advice on buying a new home, when we own ours, 100 per cent mortgages ?
Advice please, we own our home outright. Have accepted an offer of 360 and want to buy a new home at 365. Is there any lender who will lend us the 365, by looking at our 360 equity in ours? This would mean we were chain free. We have the means to shoulder the mortgage, but just lack the 10 per cent deposit .. Otherwise we…
