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Mortgage for Single American, Tier 2 General Visa?
Hi guys, How likely is it a north american citizen to get a mortgage? Thanks very much in advance! Adi
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Aldermore Mortgage Offer Extension and Credit Advice
Hello All, I'm a FTB and I was wondering if you could help with a couple of things. I have an offer with Aldermore which expires in a week as their offers last for 80 days. I have sent across my last three payslips and bank statements to request for an extension through my broker. Has anybody had any experience of this…
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Remortgage halfway through fixed term
I'm trying to get all my financial ducks in a row and have thought about trying to remortgage. I'm midway through a 5 year fixed rate term at 4.99% and know I can get a better deal elsewhere, but I have a £3,200 early repayment amount on it and with all the other fees I know it wouldn't be worth moving to another lender.…
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GE Money transferring my mortgage to Kensington!
Received letter today from GE Money saying they are transferring my mortgage to Kensington Mortgage company. They will be responsible for setting interest rates etc. Apparently in my terms & conditions I consented to any transfers! Of course I wasn't aware of this. Is this all legal? Can anything be done about this?
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Should I Speak to Current Lender re New deal or Remortgage?
Hi, this is my first post but could do with some advice on how best to approach the situation. My self and my wife have an interest only mortgage with Lloyds on a historic 2.49% base rate linked rate. We would like to move to a new deal but we are fearful that the bank may ask questions about our repayment vehicle and…
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New credit after offer but before completion?
Hi I have an offer for a Nationwide mortgage.. My lease car runs out in a few weeks and I'm moving over to a new lease with different company. I applied for this before we got any mortgage offer /DIP but I'm worried once I take delivery of the car the credit agreement will then show up properly. Is this likely to cause…
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HTB Remortgage - deed of postponement
Hello, Has anyone had any experience remortgaging with a HTB equity loan? My experience seems to be dragging on due to the solicitors needing to get a deed of postponement from the Housing Communities Agency. My original mortgage was on a 35 year term, so remortgaging on a 33 year term, but apparently I can only remortgage…
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Mortgage product withdrawn after offer
Hi I have a quick question about my mortgage offer, I hope someone can help. We got our mortgage offer through our broker a few months ago. It appears that the mortgage product has been withdrawn (I checked on their website and the product is not available). What happens to our original mortgage offer? Will it be honoured?…
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Remortgaging with new partner after breakup - where do I start?
Hi, Can anyone help answer a few questions for me please I bought a house 10 years ago for 95k with my ex partner. We split up fairly amicably and at that point owed about 47k, so between us we owned half the house. House deeds are agreed at a 50/50 split, so we agreed that I pay him a quarter value we paid for the house…
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Will a new monthly direct debit affect my mortgage offer?
Hello all, I have a mortgage offer and am just waiting for the chain to move along in order to complete on my first house. I currently pay £17 per month for my internet which was taken into account when dealing with the lender, but I am looking to cancel that and start on a £30-£38 per month package. My question is: will…
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Mortgage survey
Has anyone ever sold a house but the mortgage survey has dropped the price of what you have been offered. We are waiting for buyers mortgage to go through so just wondering. Or even upped the value
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Broker Information
hi, should i be worried about giving my bank acc no, sort code etc to my broker? its the first time ive done this and it strikes me why they need these detail as any money transfers would be through the solicitors surely is this normal, they already have lots of personal detail, d.o.b etc
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Employers Reference Query/Help??
Rite, Just applied for a mortgage as a first time buyer, My employer has been sent a reference for my wage from the bank as I do not have any payslips with it on (as I have just got a major uplift in pay! :beer:) My mortgage is based upon my new uplifted basic wage and a new shift premium on top (38%), the bank has already…
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Santander - Better rates for new customers at the expense of existing?
My current deal with Santander ends in July and I now have the option to change to a new deal online. The house is valued at £175k with £136k owed on the mortgage so 78% LTV. The online change existing deal is offering a 2.09% 2yr Tracker with £999 booking fee. If I use their remortgaging to us calculator there's a 2.04%…
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Joint ownership relationship breakdown - second home advice?
Hi there, I am 40 years old. My father is about 67. We both joint own a property that we live in valued at around £600k in London (well, guessing from house price sales in the area). £50K left on the mortgage. My salary is £60K. Me and my family have lived there due to the welfare of my parents. However our relationship…
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Will car finance effect a mortgage
Hello Our current fixed deal on the mortgage runs out next year and we then revert to the SVR, or take out a new deal. If I was to get a new car - likely to be on a personal contract purchase - is it likely this would mean lenders would see me as more of a risk and potentially we wouldn't get as good a deal on a new…
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Help to buy ISA: who can I get a mortgage with?
Is there a clear list of mortgage companies / banks who will let you use your HTB ISA with them? Or is it just the banks who are supplying them, who will let you use them? Thanks.
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Help with Remortgaging
Hi there, I would like some advice on our remortgage that we are taking out on our home please. We have been in our home for just over two years, on which we originally borrowed £100,000 After two years the mortgage advisor requested a loan from the new building society of £97,500 We need work on the home so the mortgage…
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Shared ownership problem
Hi guys, I purchased 75% of a shared ownership property 2 months ago, with the intention of purchasing the remaining 25% as soon as possible. I made this explicit with the HSBC mortgage advisor at the time I arranged the mortgage and was told everything would be fine. I am now in the position where I can purchase the…
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Use CC to clear overdraft before mortgage application?
Hi, Advice needed please. I am trying to improve my finances ahead of searching for a mortgage to fund a home move next year. I have significant CC debts which I am slowly paying down and use almost my full overdraft facility each month, and have done so since first getting into financial difficulties. I am currently…
