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Nationwide product switch
I have an existing mortgage with Nationwide and applied to do a product switch in September which will start in December. Now I see Nationwide have dropped their rates on a 2 year fixed rate mortgage. Are we able to switch to this new rate or are we committed to the original deal we signed up to? Thanks Michelle
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Mortgage was offered but service charge dispute causing delay
I own a flat in a converted house and own a freehold share of managment company and I was recently successful in getting a mortgage offer. My nightmare statred when the conveyncing team wrote to another co-director to verify that there are no major work in the near future due. A dispute between the co-director and me over…
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Mortgage Free but low income - looking to borrow via Mortgage
Hi, I'm after some advice based upon my friends circumstances below - he is trying to borrow some money from the house he owns outright in London which is Mortgage free - however appears to be in a unique situation that falls between the gaps of traditional mortgage lending. - He owns a house in London that has been valued…
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Ex emigrating but named on joint mortgage
Hi, I have just found out my ex is emigrating and he is named on our mortgage. We split 3 years ago and agreed I would pay the mortgage with him going down to 0% on the deeds. I don't earn enough money to take the mortgage on in my own name so he took a payout to leave and agreed to remain named on the mortgage until our…
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Mortgage with DMP
Hi has anyone got a mortgage with bluestone or have any experience of them? Just been doing some research and they seem to be ok. Not sure if theyve launched in the uk?
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Mortgage advisors
Hi have anyone use this company w.onlinemortgageadvisor.co.uk Is it standard for a Mortgage advisor to ask to see my credit files? I m worried about fraud as they will be able to see all my accounts? I m a first time buyer and difficult case as I m a discharged banckrupt (7 years since discharge) and I need a specialist…
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Help! Conveyancer
Hi all Hoping someone can help! Weve just had an offer accepted so I emailed a few conveyancers for quotes. The one I replied to is actually representing the vendor so I emailed the second yesterday. Ive heard nothing since but the agents rang me for their details and I have given them of this second company that I have…
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collateral mortgage vs capital release mortgage
Hope I can explain what I mean in the way everyone can understand... I am aware that collateral mortgages are not offered anymore but are capital release mortgage work in similar way? Using below example: Couple can get the standard mortgage to the max. amount 100k if they are selling their property and upsizing to another…
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making a mortgage application in my name whilst married to someone on an IVA
Hi I am applying for a mortgage in my name with my income and deposit only. However I am married and my husband has had two IVA (one he's paying currently) . We have never had, any joint debts or accounts. Will he still be credit checked? will my application be denied because of his poor credit? Many thanks
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Paying mortgage weekly or fortnightly.. Is this better?
Hi Everyone, Someone told be the other day that they pay their mortgage fortnightly instead of monthly because it reduces the interest (only slightly but every penny in my pocket is better than someone else's!) accumulated? So my mortgage is currently: Our outstanding balance is £215,412.66 with 29 yrs and 9 months left…
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Mortgage default with a tenancy in common.
About 8 months ago I entered into a tenancy in common with a friend. Unfortunately during the summer he had a brief psychotic episode. He felt it had been brought on by extreme stress in his life. Part of the adjustment he made was to leave his job. This wasn't a problem as his student load covered his payments. However he…
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AIP - does it matter what bank it's from?
I have just got an AIP from a bank, which might not be the bank I will go through the full mortgage with as the agent needs these details. As it might not be the bank we go through the mortgage with does it matter that this is where the AIP is coming from?
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Remortgage- what documents and timing
Hi We will be looking to remortgage in 5 months time when current fixed deal expired. Will be looking to borrow around £170,000 on joint income of about £90,000 (both permanent employees and no free Lancing). Can someone please advise in general what documents are needed by companies. I know every case and lander is…
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're mortgage ex bankrupt
Hi all I'm looking for advice. Discharged bankrupt 2012, didn't lose the house as no equity and have never missed a payment. Will be 6 years discharged in March 2018. Current mortgage with nram at 4.62 % I pay £680 per month and have £112000 left to pay. I earn 50k a year. Could I remortgage for a better rate or move to a…
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Should I use a mortgage adviser?
Hello! So my partner and I are buying our first home. We've had free advice off an independent mortgage adviser, but are at the point now where we need our AIP and to start the application as we've had an offer accepted on a house (much earlier than we thought! So feeling a little underprepared!) I'm now doubting whether…
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Barclays product switch - not sure what happens now.....help?
Hi Two years ago my husband took out our mortgage on a 2 year fix at 2.75%. It was borderline affordability and needed the help of a good broker mainly because of issues in my past and not being able to go on the mortgage yet I'm the higher earner. anyway, the fix is coming to an end. We've decided on the 7 year fix at…
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Right to Buy (RTB) Mortgage
Hi, can any brokers help with a RTB mortgage search?
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Preparing For Mortgae Advisor
Hi All, I've looked on the internet and have have found different answers to the following question. I'm looking to make an appointment with a mortgae advisor in the next week or so and want to be prepared. I'm hoping to sell my flat and buy a house so I'll be borrowing more. So far I've got: P60, 3 x monthly wage slips,…
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Urgent Advice Please - FTB 5% Deposit
Hello All, I would really appreciate your advice. I have found a perfect home and would love to put an offer in on it, however I have only a 5% deposit. I have used the eligibility calculator on a couple of sites and at the moment Santander is coming up with the most generous offering (more than I need to borrow). Next…
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Waiting time for a first registration of property with the land registry
After a huge complaint, and a 3 month wait to retrieve my house deeds from my current mortgage provider I am now informed they have lost some documentation. They are going to certify copies with their solicitor so I can apply for first registration with the land registry. My mortgage offer is only valid now until December…
