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Skipton Mortgage Advice
Would any mortgage advisors be able to give 2 mins of advice with regards to lending criteria for a skipton Mortgage? Thanks in advance
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First Time Buyer - Seeking Advice
Hi all Apologies if this has already been asked on the forum. Basically I am going through the process of purchasing my house. I just have a query regarding mortgages. Generally every mortgage i have looked at provides a discounted rate for the first 2-5 years. that's great and the rate is attractive, however the rate that…
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First time buyers - numerous hurdles
Hi there 😊 Any advice or reassurance welcome. Me and my partner got AIP with L&C mortgage brokers, based on this told we could borrow up to 295,000 we have found a house we like and offer accepted at 245,750. We have a gifted deposit of 10% of this to go forward with this. Now we aren't a straight forward case, mainly my…
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Pay day loans
Has anyone had any success gaining a mortgage while having payday loans still on there credit file? If so how old were the accounts and which mortgage companies did you use? Alternatively if were you rejected, how old were the accounts on file and which companies did you try? I'm aware everyone is different and has…
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Bad credit, shared ownership!
THIS IS MY FIRST POST, SO SORRY ABOUT THE LENGTH. I HAVE SEEN NEGATIVE COMMENTS, ON SHARED OWNERSHIPS, WHICH I DON'T NEED TO HEAR... ALL I NEED IS ADVICE! I am looking to purchase a shared ownership property. The value is £18k, for a 25% share, for which I would need a £15-16k mortgage. I am due to start a new job, at BT,…
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CIS Mortgage
HI I was hoping somone would know a bit more about construction industry scheme mortgages than i do. Could somone please confirm the requirments re. Proof employment(payslips i know) for what duration to time of mortgage application? and for how much longer and how this is proven ? Or wether the later is definatly enquired…
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Assigned Unit Linked Endowment not performing
Hi Folks, As the title suggests I have an endowment that is underperforming resulting in a predicted shortfall. I think I'll probably need to cash it in, use it to pay off a chunk of the mortgage and set up a repayment mortgage to clear the remaining capital. The problem is it is "assigned" to an interest only mortgage…
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Me = great credit hubby = awful credit what does it mean for a mortgage??
I currently own the house we live in as a family, paying a mortgage. Now our family had grown we need more space but ..... My husband has s terrible credit rating defaults etc and at the lowest end of the scale on experian I am at the highest. Is there any mortgage companies that can help us? Or is it, as I expect it is, a…
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Nationwide "valuation"
Hi, I am just going through the process of changing my product with Nationwide, as my 2 year fixed deal comes to an end. I didn't realise at the time of taking out the mortgage, but they use the national average house price increase to value what your property is worth. They've come up with a figure of £310,000 for my…
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Pulling hair out over Natwest mortgage application
Hi there, My husband and I are really starting to lose it over the never ending debacle that is us trying to get a mortgage on the house we want! :( It all started around the end of January/beginning of February when we applied for a mortgage with Barclays (or more accurately the Woolwich) on a property that we had our…
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Two mortgage meetings today
Morning all, just after a bit of quick advice. I've seen a property I like, put in an offer which was accepted on Monday. I set up the mortgage meeting straightaway with the bank who gave me an AIP, I'm meeting them this afternoon to do the full application. In the meantime I've found a potentially better deal at the…
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Could we get a joint mortgage?
Hi My partner and I are both first time buyers looking to buy our council house. We both work and are two wages combined = £40'000 before tax. However my partner doesn't have a very good credit score - she is paying some debts back. Would we be able to still get a joint mortgage? I don't know where to go for advice. Thanks
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mortgage introducer & Broker network?
Hello, my name is Ari! I've been reading a lot of threads on this forum over the past year so i though it would sign up and join the community:). I'm new to introducing mortgage leads and im looking to work with mortgage brokers in the UK. Just wondering if anyone here knows of a network or website that connects mortgage…
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Getting a mortgage when moving back to the UK
I've been living overseas for just over 4 years, and expect to be returning back to the UK sometime this year. Upon my return I need to buy a house, however I understand this will be difficult as I have no UK address and, as such, no credit rating. I return debt free, with enough to get a deposit on a house. I also return…
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Need solicitors advice on an agreed mortgage plan was marked as default
Hi all After some advice on an old mortgage as not sure if I should pursue further.I had an old mortgage with Virgin one account -rbs I fell behind with payments due to some family problems which where resolved .I then agreed via a court order to pay above the normal monthly amount till I was in credit as such which I did…
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Advice needed for buy to let
I think we are going to have to take out a buy to let mortgage to help our daughter with accommodation. I would appreciate any advice. She is at Uni in her third year of a four year degree, she is on a year study abroad. She is back for the final year in September and we cannot find any accommodation. Anywhere. We are on…
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Clydesdale Mortgages
Hi. Does anyone have any recent good experiences with a mortgage from Clydesdale? I'm applying to them via a broker. However I'm reading a few horror stories albeit some of them a little old. And their unusual approach to the process is scaring me a little. I have another offer from an alternative supplier but it's come in…
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Buy to Let mortgage
Best place for one? Or any advice? I purchased a repossessed apartment (Northern Ireland) in November 2013 for 52k. My mortgage is at 39k at the moment. Was adamant that I would sell but everyone I have talked to suggests I should rent it. I recently had it valued at about 68-72k, with various estate agents. The apartment…
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Buying Parents house.
Any advice would be appreciated. My dad owns his house but needs to go into sheltered housing. He would need to sell his house to buy a retirement flat ( not possible to rent one I've checked this ). Can me and my husband get a mortgage to buy his house at the same price as the sheltered flat and then rent it out to our…
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Mortgage valuation gone ahead. Good sign?
Hi all, I'm a FTB and I am purchasing a new build property. I have just had confirmation from my mortgage broker that the valuation of the property I wish to buy happened yesterday. Is this a good sign? My mortgage application is with Halifax. Also what happens after the valuation? Any more paperwork to do or is the…
