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Santander Overpayments - How?
Just a quick question, I have a Santander mortgage, id like to overpay it. can I do this online? I have a Santander 123 current account but cant find anything online that allows me to make ad hoc overpayments as and when I want. Or do I have to phone up each time to make an overpayment?
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Nationwide Mortgage Holiday
Hello, I'm trying to work out if I should apply to take the 12 month mortgage holiday feature of my Nationwide mortgage before changing to a better rate mortgage or whether I should just change my mortgage and lose the mortgage holiday feature. In the next 2-3 years I’m hoping to be able to buy a house and I thought that…
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just some info please about mortagages
We are looking at buying a home with baratt and they have given us a mortgage advisor, who today offered only precise mortgages ( my partners credit history issues not mine) so while we were happy to get a offer, would it make a difference getting a second opinion by another mortgage advisor? so gutted as the house we…
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Block of flats settlement
I purchased a flat in a small block, to discover that there is historic settlement. This was not evident and was not picked up by the valuer. The managing agents seem utterly clueless and do not know the difference between an insurance certificate and an insurance policy. After two months they instructed a surveyor to look…
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Mortgage guarantor with a DRO
I am currently in a DRO which I will be discharged from in October. My question is from October onwards would anyone consider my partner and I for a joint mortgage providing my parent can be my guarantor? My partner has fantastic credit and we are both employed full time with a combined income off approx 45k
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Useless Mortgage Broker
Wondering if anyone can advise me on the situation my partner and I find ourselves currently in. First time buyers, using Help to Buy to buy a New Build property. We instructed a broker through a company and they submitted our application to Virgin Money. Long story short, Virgin Money will lend us £x amount but it came in…
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Is this normal? raising funds against a house owned outright
Hi all, Firstly, thank you to all the contributors on this forum, I have benefited from posts on here many times however this time the specific topic either doesn't exist, or I don't know what I'm searching for (which is half the problem!) We have recently purchased a property and are in the process of obtaining planning…
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Brexit Effects in London
I suspect there have been many other threads like this but I thought I would get people's opinions... My partner and I are considering buying in Woolwich, our limit is 300k which includes a 40k deposit. This is about the price of most new build 2-bed flats near the station. We picked Woolwich as it's fairly easy to commute…
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Called by Safe Finance Advice
Anybody else been called by this company? SafeFinance (dot co dot uk) Offering meetings for mortgage reviews. Sounded legit enough and didn't ask for any account numbers or dates of birth or other identifying information. * EDIT * Edited to add - and I should really have mentioned this originally - that they said they got…
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What to do?
So about 10 years ago we needed to move house - in hindsight possibly a little naive as we had already paid 10 years of a standard mortgage off our old house. In order to get our 'dream house' we started again with a 25 year 95% mortgage on the dreaded LIBOR rate. 10 years later we still have another 15 years to pay. We…
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FTB & debt. Any chance at getting a mortgage?
Our situation is pretty complex so I would appreciate any advice you can offer. Myself and my husband have around £17k debt. 10k loan, which we have unfortunately defaulted on and the rest on CC. We consolidated some debts and took out the loan a couple of years ago but then ran into trouble when I was made redundant just…
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NRAM/Tulip won't offer lower rate
Hi, we have been with them more than 9 years now, it was fixed 5.20% for 5 years then on their variable rate 4.79% dropping last year to 4.59% for loyalty. Asked them twice to move us to a lower rate but they refused and said they can't offer us any new rate as they are not taking on new businesses! Are they telling the…
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Re-mortage to purchase abroad..?
Hello, I have £87,000 remaining of the mortgage on a two-bed flat in London. The flat was last valued at £450,000 (pre EU Vote). My partner and I have identified a place in France we want to buy - we are very very keen. Since the EU vote almost 30,000 Euros have been lost from our possible purchase price. Right now it is…
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Lost Endownment from 20 years ago
Hi everyone, About 20 years ago I started to pay into an endownment policy. As I was young at the time I stopped making payments into it and I was wondering if I can the money back that I paid into it. The problem is I can't remember which company I was paying. Am I able to find out some how? Thanks in advance
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Nationwide Advice
Hi, I wondered if anybody could help me whilst wait for a call from the broker we are using (said we would speak today but haven't heard back so will be tomorrow now). We have just reserved a new build and need to get moving ASAP on the mortgage to exchange in time. I'm interesting in applying for a Nationwide mortgage…
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Re-Mortgage advice with further borrowing
Hi, 10 month left on fixed rate of 2.93% with Natwest. Outstanding balance £116800. House value approx £165000 Early repayment charge £1400. Credit card debt £11500 Home improvements £3000 Salary £31k I would appreciate some advice on a re-mortgage with further borrowing. I have never re-mortgaged before hence why I'm…
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In process of mortgage application - can it be taken away from me?
Hello. First time buyer and also new to MSE and money saving in general. I had an offer accepted and mortgage illustration five weeks ago but my lender won't give offer until my seller provides a report which he is having trouble producing. I threatened to pull out last week and got a reply to say he will produce it ASAP.…
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Mortgage Approved - interest rates Dropping - Re-quote?
Hi, Our mortgage has been approved, but we are yet to exchange contracts. As i'm sure most of you know, Mark Carney recently announced that interest rates will be dropping. As a result of this, I am tempted to ask The Coventry for a re-quote on my mortgage, and see if they will reduce the rate. Has anyone done this before?…
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Nationwide DIP
Yesterday i got a DIP from nationwide, they did a hard search of my credit file and it came back 'accept'...phew! Full mortgage app this saturday. They have asked for last full month bank accounts statements for all used accounts and buildings and contents schedule. How can i get buildings and contents insurance if i don't…
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Mortgage accepted. Handing work notice
Hi money saving experts! I used to freelance on good income, but when it comes to running your own business, lenders don't really like that and I didn't have enough SA302s to get a high enough mortgage. So I took a full-time job to support my mortgage application. However, it's only been 4 months now and I am at the point…
