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Lenders that accept communication adverse - more than 5 years ago...
Do you know any lenders that would accept adverse credit more than 5 years old (communication) just 20 pound... I also had 5 credit checks to find out what is the problem.... Homeowner for 9 months. How long does it take from application to offfer if you know. Thank you
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Mortgage offer advice
Hi We've had our house offer accepted and we're now looking at the two mortgage options London and Country have recommended for a two-year fixed rate. Behind door number one is Bank of Ireland at 2.83% with no product fees, a free basic survey and £400 cashback. Option two is HSBC with 1.99%, then £1700 in fees. I get the…
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CIS/Royal London
I have a CIS 25 year endowment due to mature in 2019. Has anyone had a policy mature recently and how much did it pay out. I pay £70 a month and it was supposed to pay 40K. I keep on getting the red warning letters and have been overpaying on my mortgage to cover some of the shortfall. I have noticed that the terminal…
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Mortgage Offer - Can it be withdrawn
I have recently received my mortgage offer from my provider and am due to exchange a week today and complete in 2.5 weeks. I have been asked by a close family member to put some money in my bank to transfer to a foreign account/currency in their name (as they are immigrating) they don't want the money going through their…
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Halifax DIP - How long until I can reapply?
I went for a DIP from the Halifax just to see I might be offered. I was offered a low amount, possibly because the £11k of stoozing debt I recently paid off was still showing on my report. How long before I can apply to the Halifax again? Also, which other lenders give DIP with just a sort search?
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Gifted deposit?
I'm looking to apply for a mortgage and have a significant deposit This has been built up from a combination of savings and gifts from parents and grandfather over the past 5 years or so. What do I do in terms of declaring or proving where my deposit has come from? My grandfather died a couple of years after gifting me…
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Time for mortgage approval
We are selling our house but the people that want to buy it are still waiting for approval to see if they can get a mortgage to buy our house. It has been nearly a week since they apparently sent off their pay slips etc . How long does it take for people to say we will lend you 140k to buy a house?.
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Mortgage down valued by £65k!!!
Hi Guys I am wondering if anyone can offer us some advice. We have recently purchased a 3 bedroom detached house in Lower Gornal, West Midlands. Our house has sold and valuation is fine. We have had an offer accepted on the property we like at £214950, which for what else was on the market of a similar standard is quite…
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Decision in principle rejected...now what?
We've found a house we want, have all funds in place (deposit, stamp duty, good salaries etc), but the small issue of securing a mortgage seems to be a big old snag. - Applied for Decision in Principle with Virgin today and got rejected due to 'low credit score' - Checked Experian and i have 999, the girlfriend 998. I know…
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Leeds bld Society not accepting proof of address
Hi everybody, My Wife and I have applied for a mortgage with Leeds building society through a broker (only option we have). 2 weeks ago they requested bank statements for my wife going back to the beginning of 2014 for proof of address shes not on elector role as she isn't a UK citizen yet and they didn't accept the recent…
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Don't understand these ERCs from Barclays, could someone explain please?
A) For Offset Tracker Rate Products EPC listed as: Full redemption. 1% of the original balance for 2 years. B) For Tracker Rate Products: 1% of the balance repaid for 2 years. That's just not English. Does it mean there's an EPC paid OVER 2 years? E.g. if I borrowed £100,000, paying £500/month for two years then paid it…
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When can I reapply
Hi, I'm purchase a property. This completes on 25th May. I have about 2k on a credit card. The 0% period runs out June 3rd. I don't want make a credit application before it al completes. Can I apply when it goes through either 25th/26th? My current address is not changing so there is no issue with me not receiving my card.…
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Credit check agencies and mortgages
Wonder if anyone can help? OH has moved a couple of times in the past year and is now residing with me. He has seen a house we love and had offer accepted on it. However his credit report is showing old information - electoral roll at old address etc. he has updated banks, electoral roll now, but from what I've been told…
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Stick with Halifax for remortgage or try for different lender?
Hi I would welcome a little guidance if anyone knows whether we should just take a customer retention product with Halifax when we remortgage, or try for a better rate elsewhere. Outstanding amount is about 395,000, and property is worth maybe 750,000 (we definitely have <60% LTV). We're on a repayment mortgage with 23…
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Thinking of going self-employed - mortgage renewals
Hi all, I wonder if someone a little more clued up than I can help out... My fiancee and I are currently on a five-year fixed mortgage until 2020. I'm currently planning to go self-employed by the end of 2017, so I was just wondering how things will work when it comes to renewing my mortgage? Will I have to inform Virgin…
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Nationwide mortgage adverse credit
Hello, Has anyone had any experience recieving a mortgage offer from Nationwide with adverse credit recently? Found some older posts with mixed reviews. We have had a DIP accepted with a satisfied CCJ that's nearly 3 year old and a satisfied default that's nearly 6 year old, both the same debt. Thank you
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Leap Finance
Hi All, My wife and I are currently looking to remortgage. After running some comparisons, I went to two mortgage advisers both in the ball park of £4-500 in terms of their fees, but one couldn't really offer me what I considered to be a "great deal" and the other was clearly disinterested. On a lazy Saturday, I was going…
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BTL virgin! Is this a good deal?
Hi all About to take out my first ever btl mortgage 69% ltv - 140% rent coverage - so all very tidy I'm looking at 3.29% fixed 5 years - reverts to less than 5. Total fees around 2.5k. Does this seem keen to you hardened experts? Thanks Paulo
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Remortgaging a house I dont live in?
Hi, Im new so please be gentle! I live with my partner in a property she owns. I recently inherited my fathers house, he owned this himself but my mum lives in it as she returned to care for him when he became ill (they separated a number of years ago and shared the proceeds from the marital home when it was sold). How…
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Flying Freehold
We are buying a house which has a flying freehold. Only one room of the house flies over another property. It is a second bedroom. However., another 2 properties fly over us. Over the kitchen and master, i.e. large bedroom. The mortgage provider will lend if up to 25% of the property is a flying freehold. I thought this…
