-
SA302 / Year overview name difference
Hi all, My wife is from a country that uses the French "Epouse..." naming system in her passport. Her surname, as on her passport, is 4 separate words, with spaces in between. The first problem is that many of the online forms don't allow more than 1 space in a surname. Anyway we went ahead and got a DIP from Halifax, by…
-
What information would you value?
We are putting together some new messages for the subscribers on our email list. We are considering emails about: Possible effects on the mortgage market of Brexit Options for borrowers in their fifties and older Mortgages and the self employed What information would you value?
-
Nationwide Further Advance help
Hi, first time poster here and wondered if a clever mortgage guru could help me out. Here are my circumstances, Would like to borrow 30k for a bungalow loft conversion I earn 35k inc small bonus Partner is self employed earning 10k a year, pays no tax and as competent in books has no need for an accountant. All sole,…
-
Advice please - would like to switch to repayment mortgage but husband on nhs pension
Hi just looking for some advice, My OH bought a property a few years ago on an interest only mortgage and we'd like to switch to repayment. We bought it for 152000 and would like to borrow 132000 over 25 years. However: My husband is 55 but retired due to ill health. He is in receipt of an nhs pension which is index…
-
mortgage lender for self employed
Hi there, I'm basically self employed. Run a home and garden maintenance business which is doing very well. I also have an evening job which pays quite well which I mainly use to plough money into my business. Obviously I'm a busy chap. I roughly gross a little over 50K yearly. I want to get a mortgage in the not distant…
-
London & Country making the process 5x more stressful
I've commented on here before about our woes with L&C and now two months into the process and following a formal complaint things have not improved. I really am at the end of my tether with them and the stress of the delays caused by them is causing many sleepless nights. I'm just venting and not expecting any help but if…
-
Mortgage in Principle
Hi everyone, How long should you wait for a decision for a mortgage in principle? I asked my broker to get one for me Friday lunchtime and I have not yet heard anything. I know a credit search has been done on Friday as my credit report shows it. Any help please.
-
Gifting property
Hi all, I have a question and hope you can help me with your expert advice. 5 years ago my wife and I found a house at a great bargain price but we couldn't get a mortgage on it as it had wood worm ect. My inlaws paid for the house in cash by remortgaging there home and we have been paying their mortgage since. We now want…
-
Decision in principle with halifax
Hi all Just wondering if anyone can help me please. I've currently got an DIP with Halifax for a mortgage with ltv 60% How much of a guarantee is this of me acutally being fully accepted when I apply in full? I own my own home at the moment and the sale of it should leave me with £50k after fees so I'll have a big deposit.…
-
Second property - can we simply take a second mortgage or must it be buy to let?
Ok, brief overview of the scenario. We are interested in buying a second property, which we have no plans to rent out, however a family member will live in it. We have a mortgage on our current house, so for the second house will we automatically be forced down the "buy to let" mortgage route, even though no rental money…
-
Payments and money claim online
Hi I am looking for advice please and I hope you can help. Myself and ex wife divorced 5 years ago. We are now very belatedly going through mediation. She has stayed in the martial home with the children and I have paid CSA every month - £700 per month. She has paid the mortgage herself and it is up to date. We are joint…
-
Re mortgage questions buy to let
Default Re mortgage questions In the process of a re mortgage buy to let with NatWest. Property was down valued at 180000 estate agent told me it was 190000. So this has changed my options in terms of rates,ltv etc. I have the following options: 126k 70% 2.45 tracker £261 126k 70% 2.54 fixed £270 130k 75% 2.49 tracker £273…
-
Kent Reliance BTL mortgage
Hi, Anyone with any experience on Kent reliance BTL mortgages - how strict their lending rules are and if they will accept deposits gifted from a friend...... thanks
-
First Time Buyer help!!
Hi I have just applied for my first mortgage and upon reading through my Decision in Principle I noticed some small print that confuses me! The total mortgage loan is £126,945 over 40 years (due to low income) underneath this it says ' Total Amount to be repaid: £248,639. Does this mean that if we choose to sell after say…
-
what type of mortgage?
so, 1st property you buy is a FTB mortgage if you sell then pay off the mortgage, what type of mortgage would you get if buying another property in the future?
-
Paying off mortgage to buy with partner
I'm just over 2 years into a 5 year fixed rate 3.74% with Barclays, the balance is about £67,000 and the mortgage is in my name only. Now me and my partner are looking to buy together, on a Barclays 10 year fixed at 2.99% for about £190,000. I take it I'd either need to bite the bullet and pay the ERC? Even if it did work…
-
1 Year Self Employed Accounts - Which Lenders? Advice please!
Hi everyone, Could you advise me as to what lenders are good to contact if you only have 1 year's self employed accounts? Before this I was setting up and made a loss, but then made changes about 12 months ago which meant I wasn't spending the same amount on business expenses so I'm now turning over a small profit. Are…
-
online mortgage query / advice
Hi all, looking to buy my 1st house in the next few months. I had a bad history of pay day loans, which i have sorted out and now have gone a year without lending anything . i have a few defaults which are due to drop off next month i have no outstanding debt and have a deposit of 20k ill be looking to put down on a house…
-
Does anyone know how Coventry Building Society manage their Variable mortgage rates?
Coventry Building Society are revealing a bit of leg currently on their lifetime products. But their tantalising rates are all linked to their own Variable rate, not the BoE base rate. Does anyone have any knowledge or experience of how CBS (or other BS's) manage their Variable rates? From what I can gather they will…
-
MSE News: 10 year 2.39% fix – should you grab it?
The newspapers are full of stories about the Coventry Building Society's 10 year fixed rate mortgage deal, at 2.39%...Read the full story: '10 year 2.39% fix – should you grab it?' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
