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Bank statements
Hi all, I am applying for a mortgage. Excellent credit rating, good salary, never been in overdraft, had a mortgage on my BTL property which I've now sold etc. My only issue potentially could be bank statements. I have savings of over 50k. Over the last year I have done a lot of travelling, shopping etc because I could…
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Nationwide mortgage - fee complaint
I currently hold a fixed rate mortgage with Nationwide of which I am overpaying considerably and to the maximum. Since taking out the mortgage I have changed employment and currently working overseas based in the Middle East. I understand from speaking to the mortgage team that Nationwide will not give me a mortgage based…
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What to do?
Five years ago I bought the house I am living in with my ex husband taking out a joint mortgage. A year later he moved out (at my request due to his increasing emotionally abusive behaviour). For the last four years I have been living in the house and paying the mortgage although obviously the house is in both of our…
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Repaying shared equity - time's up!
Hi y'all My first post... 10 years ago, we took on a shared equity mortgage - 25% of the house's value to be paid after 10 years (now!). The debt has been moved on at least once and now resides with Phoenix shared equity and managed by Hampton Mortgage Servicing. I've negotiated a lower amount to repay, which is reflective…
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right to buy help!!
Hi, im currently buying a house with my mom and partner using right to buy, weve been council tenants gor 26 years so we get a good discout, we can buy the house for 40k, but we need to convert it to a 3 bedroom using the loft space, (weve had another baby on the way) were looking at an extra 12 to 15k as we want to knock…
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Halifax Mortgage will it be declined?
Hello, I wanted to run this past some people with more experience than myself, Last week my partner and I, got a mortgage promise from Halifax for £324K with a Deposit of 49%. LTV 51% We can make the payments and it's affordable but I'm worried about the credit check once the application is finalised this week. My partner…
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After any advice on mortgage with missed payment on credit file.
Hi, So me and my partner have been saving for a while and are now in a position where we have a deposit together....the problem is he has a £44000 mortgage with his step dad from years ago. After reviewing his credit rating today it has red 1's next to all dates from the lasts year on the mortgage. I don't know what the…
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HSBC mortgage with default
Sorry it's yet another mortgage with default question. I'm looking at getting a mortgage with my partner (he has checked all 3 CRA's and it's all perfect). He earns 31k and I earn 29k. We have a combined deposit of 95k (my half is a 40k gift from my mother-have gift letter and I won't be paying it back). We have had an…
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NRAM transfer of proprietorship
I currently have a joint mortgage with my ex partner and his name's registered on the title to my house. Does anyone know whether Northern Rock are likely to consent to me having his name taken off the title to the house at the Land Registry? My other lender has agreed to it but I know how awkward NRAM can be, seeing as…
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TSB or Nationwide
Hi all, Have had an offer accepted on a house recently and have consulted mortgage brokers as to who would be the best mortgage provider to go with. I have a PDL as recently as about 10-11 months ago but generally good credit history and a 40% deposit. Have spoken to two brokers, one has recommended Nationwide and another…
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Whats the Best Mortgage Coparrison website>
Hi I had always used Google search but this ends tomorrow. What website do you all use when comparing mortgages? Thanks S
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When to start my search.
Hiya Going to (attempt to) buy this year with my wife as FTBs. We are luckily getting some help from the bank of mum & dad. Will be as a loan, not gifted. The money that they will be loaning us is currently stuck in several ISA accounts until August. We really want to be buying ASAP to allow us to stop wasting our money…
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Gifted Mortgage where the property is subject to an IVA
Hi, My new partner and I are looking at the possibility of buying the house she lives in with her children, the mortgage is in her ex husbands name and he has an IVA which he needs to settle very soon, so he's happy for us to buy the house using a gifted mortgage the gift part being my partners financial settlement from…
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Bank account switch
Hello, My partner and I have a joint account that we pay into each month and currently use for rent/bills etc, whilst shopping around for a mortgage we noticed we could save some money by switching to a 'awards' account with a new bank and downgrading our current individual 'awards' accounts (we pay £20 each at the moment…
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Help to buy ISA HELP
Hello I'm really confused over the HTB isa. I've seen several posts stating that you can't use the bonus (25%) towards your deposit. So what can you use it for? The below has been taken from the official rules. Bonus funds remain the property of HM Treasury until applied to the purchase of an eligible property. Until the…
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Confusion, Tied into Fix and Arrrrrgh!
I'm really confused. I own a property and have been tied into a fix for 10 years at 5.99%. This fix is up in June 2018 and there is currently £35k remaining. There are penalty fees of around £7K to leave this mortgage but it can be ported over. My property is on the market for £185k. I want to be somewhere with my partner…
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htb shared ownership new build...last min find earlier than planned😕
Some may know from previous posts that we have been through bankruptcy and are waiting for it to fall off our files in July. We were planning on applying for a MTG after this time anywhere around the start of 2017 ...however I have just seen new build that is underway with the htb scheme. We were approved for this last yr…
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Mortgage declined due to commute - need advice please
Hi all FTB here and was happily going through the process of securing a mortgage and decided to go with a broker (L&C). We found a town house in Birmingham and I work in Central London. Train times are 1h:12 on virgin trains one way to get to London Euston with just a single stop and no changes. Went through all the…
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Second home stamp duty help
Hi, I have been told that because I am buying a second home I am going to have to pay 3% stamp duty, is this right? I know this is the rule for pelr buying a buy to let or a holiday home but my situation is different. I have split with my wife, but rather than kicking her out the family home which is mortgage free I am…
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35+ year mortgages
Is there a cutoff age thanks banks use to determine whether they will allow you to have a 35+ year mortgage?
