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woolwich deed store
I had a similar problem to Chris. I gave up trying to ring the freephone number and it's multi menu option so simply wrote to Barclays Woolwich, 41 Woolwich New Road, Woolwich, London, SE18 6ET. A couple of weeks later the deeds arrived in the post by special delivery from the Leicester address. Mortgage Loan Services,…
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Comparing the Barclays Family Springboard Mortgage + Advice Needed!
Barclays have just changed their terms, so what used to be a 10% from the folks and 5% from the child can now be covered by just the 10% from the folks. Link to the supporting document How does the 2.79% then 2.99% APR compare to other products? I'm looking at other Barclays prices and they seem to be 2.99% then 3.99%, so…
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Grandad possibly being forced to sell
Hello, I'm hoping someone on here can help or suggest someone i can speak to. My Grandad is 68, retired with a war pension and is on an interest only mortgage. This was through bad advised by the bank. He was also stuck in a rut about 4 years ago and just managing to keep on top of things so wasn't in a position to move to…
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Santander - after valuation BTL
Hello, We have made our application done last saturday. Valuation was done today. How long should it take now? - we do BTL (Santander). 4 days today - they say by their service levels 8.9 days from application to offer average. Do they instruct valuation (which is free) even if then didn`t see documents?
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Too much available credit, potential problem?
I've just read an old thread that having to much available credit could effect a mortgage decision. I earn around 23k, i have 3 credit cards with a balance of £450 on a card that has a credit limit of 6k. 2 older cards have limits of £2000 and £2100 What's the best thing to do, would closing the older cards with zero…
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Countrywide
Im trying to find out which mortgage lenders dont use countrywide as their conveyancing main providers as I have read terrible reviews on them and dont want to upset my vendor or delay the conveyancing process any help appreciated
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would i do better than this
Santander customer now some 7 years , phoned them yesterday as my deal fixed is coming to end they offered me 2.59% no fees fixed for 3 years the house is worth £240k and the outstanding mortgage is £110500. Plus i can pay up to 20% off extra per year however at a min payment of £500 a time. I would also say we have £15k…
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Closing help to buy ISA
Hi, We had our offer accepted at the start of April. So far, we have returned initial paperwork to solicitor but not yet instructed them to complete searches as we are still waiting for the valuation report from the lender. The mortgage application has been underwritten so it's just waiting for the valuation now. Myself…
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At what point do you need buildings insurance?
My husband works way and is only home on Fridays. We are supposed to complete on the 27th May. Our mortgage offer should be just round the corner so our mortgage advisor has said it would be a good time for a meeting to discuss buildings insurance. He is away at a meeting all day next Friday so it would need to be the…
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Borrowing a lump sum via the mortgage
Hi Bear with me on this as I'm completely unsure of all the ins and outs of mortgages as I'm a first time buyer. We've just had a full house survey that's flagged up some major issues (sagging ceiling due to removal of supporting wall). Essentially the surveyor thinks the house is worth £9k less than the price we were…
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Remortgage dilemma...
Apologies in advance for the lengthy post. Back in 2010, we purchased the grandparents property for a bargain price. This was funded in a complicated manner...OH had deeds changed on parent's property (worth £800k mortgage free) and then remortgaged it in his and his mum's name to buy our current home(Paid £155k). OH mum…
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Joint mortgage after separation
Hi Folks, Really complicated situation here. I bought a house with my partner with a joint mortgage but we have since broke up. She has decided to try and keep it on herself and I'm looking at buying a flat. So far I'm trying to get a mortgage with the same building society as that hopefully reduces ERC, she is having to…
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Mortgages that consider assets
Hello I currently own my property outright (worth about £100k) which I do not want to sell but I want to raise funds to buy a house worth about £350k. I would live in the second house, and rent out the first. Based on my income as self employed, I can get a mortgage for around £180k and I can get a cash deposit together to…
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how to get SA 302 online
Has anyone been able to get these SA 302 from the (clunky) In Rev website? Won't work for me, just wasted 30mins trying to get my tax return year pages to load. Have they hidden them someone else?
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Poor Credit History...Remortgage.
We have our Mortgage with NRAM currently...have another 20yrs to run (had it 10 yrs so far). September 2010 we both went Bankrupt,but as we had negative equatity NRAM had no intrest in house so we kept it and things have slowly improved. Foolishly ive argued with Anglian Water and ended up with 3 ccj"s for bills being paid…
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Making overpayments on interest only
Hi We are currently on an interest only mortgage. Like many others I guess we had this as a temporary measure. The plan was to switch to a repayment. As we are in our early fifties we are worried that being self employed we are limited. On top of this we have just started a DMP so obviously switching is not possible for…
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Salary Sacrifice - Finanace
Hi All, I'm a first-time buyer and I've spoken to a mortgage advisor who told me that me and my partner have 'no chance' getting a mortgage if we have a car on finance. We don't have one, but I'm wondering if a 'Salary Sacrifice' car is classed as one on finance so would therefore affect our chances of getting a mortgage?…
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Choosing A New Deal with Existing Lender
Our current mortgage deal is coming to an end. Having fixed for the past 3 years, once again I am questioning what decision to make this time around. With several years left on our mortgage, we've still got a fair way to go (around 125K) But this question is more about what is currently the best option to choose with…
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HSBC 3 year fixed - "Application fee" - refundable?
Hi, We're in the process of getting a mortgage on a property we've had an offer accepted for. The best deal on the MSE site for a 3 year fixed mortgage is with HSBC, the fees breakdown seems to include a £600 "application fee" - am I correct in thinking that this is non-refundable? i.e. if the mortgage application is…
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FTB buying converted flat
My son is buying a flat in a building converted from offices. Mortgage broker recommended Nationwide. LTV under 50%. Mortgage application filled in and accepted on NW system 22/04, he received text to confirm. Text received Tues 3/5 to say valuation will be today (5/5). Does this mean they are OK with the application or do…
