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Sa302 self employed and employed
Hi, should my sa302 from self employment also show taxes paid from another job where im employed. Cant get intouch with my accountant. Its for mortgage purposes. Thanks.
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Re-fixing mortgage with plans to move?
Hi all, Hoping to get some advice on my situation. I own a property and a couple of months ago my fixed rate ended and I'm on the SVR. I also have some savings, my plan was always to make a one-off payment towards my mortgage and then re-fix at a lower rate. However, I am now seriously considering moving (my property is on…
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Fixed term contract without history of contracts, chances of getting a mortgage?
I am currently on a permanent contract but I have just seen a dream job I may apply for on a fixed term contract of either 1 year or 3 years. Me and my partner want to buy a house within the next year (we are first time buyers) so I am unsure about applying for these jobs if it means we wouldn't stand a good chance of…
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Remortgage, charge on house
Hi all, bit of a saga this one so I'll do my best to explain. We are currently trying to remortgage our house and are having to register the property with Land Registry. The conveyancing solicitor has found a charge on our house from an old debt that we paid off in 2009. Here's the problem. -We did have a letter from the…
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Parents remortgage - I pay the bill
Hi, I have searched through the forums and online for this specific situation but couldn't find anything. Apologies if I break any rules, this is my first time posting. My Mother and Stepfather own a house in the UK, but currently reside in Germany. They have a flat here (UK) that is completely paid off, and are thinking…
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Remorgage early? Best way to pay for extension?
Hello We are looking to build an extension, costing around £35,000. We only bought the house last year with a 90% 3 year fix mortgage at 4.49%. The house now has around £80k in equity due to home improvements/ house values going up (plus the 10% deposit we put in). I calculate it would cost around £5k to pay off ERC (2%)…
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Help To Buy Questions
Hello, I have seen a new build property that we would really like to purchase, valued at £286,950. We are undecided to purchase the house using the HTB equity loan, or to follow the traditional method. Not using the HTB scheme would mean we would not have much money left over as we would need to increase our deposit…
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Can you borrow more on an interest only mortgage?
Hi, Probably a stupid question but is the max mortgage amount you can borrow on an interest only mortgage the same as a repayment? You can't borrow more if its interest only? I'm pretty sure the max allowed would always based on the repayment model but thought I would ask anyway. Thanks
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Lease Extension and Mortgage Question...
Hello So myself and my partner have been agreed a mortgage with Nationwide on a property that has a 69 year lease, the original agreement was with Nationwide that the lease extension would be paid for with the equity the vendor get's on completion and she would transfer the funds to the leaseholder to extend the lease to…
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Cash mortgage deposit
Hi all, hopefull first time buyer here looking for a bit of advice. I'm new here, so apologies if I've posted in the wrong place! I have a savings account which I'm hoping to pay a deposit from, and I have a meeting with a mortgage advisor next week, Hopefully to agree a mortgage in principal! The only problem I can…
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Mortgage Redemption Figure > Balance
Hi All, Having come to the end of a 2yr Fix I'm currently remortgaging from Santander to Nationwide and have just received a redemption figure of £120,983 from the solicitors. I began the remortgage process a couple of months ago working off an August mortgage balance of £120,758. Since this time I have made two monthly…
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Interest Only Mortgage - Repayment Vehicles?
What kind of things do they ask for as evidence you can repay at the end of your term? Thanks.
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Remortgage and 3% stamp duty sur charge?
For some reason my married friend managed to get a mortgage in his name only. But are about to remortgage. My understanding is that most banks won't allow remortgage if the other partner/spouse is not on mortgage, or is it not on the title deed? apologies, this has nothing to do with the 3% stamp duty sur-charge.....
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Mortgage declined via broker
Hi all Im just after a bit of advise. I had an offer accepted on a house on 11th and settled on a broker to arrange the mortgage on the 12th October. Sent all the requested info to him. Solicitors are arranged... the broker came back on 19th and said he was checking somthing with the under writer of the lender and said…
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End of Fixed Rate Mortgage Product
Hi Forum, Need your help. Me and my partner had our mortgage fixed for 2 years @ 2.49% we decided to increase our repayments to £445.42 to reduce the time of repayments. At the end of this fixed period (which is 31/10/16) our proposed variable rate with Halifax is ought to go up to 3.74% and proposed rate for another 2 yrs…
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Re-Mortgage following further borrowing
Hi, I recently obtained further borrowing from Natwest leaving me with 2 separate mortgages. My original mortgage is approaching the end of its fixed rate period, are Natwest likely to allow me to combine the 2 mortgages if I pay the small ERC on the further borrowing? Many thanks
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Advice pls
Our mortgage application has been referred I think this because my husbands last payslip that they have is 2 September. My major concern is not that we will be declined because my hubby is now on ssp because he had an operation on 5 September. By the time the house goes through he will be back at work. We haven't borrowed…
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Decision in principle when remortgaging
Hi, We're hoping to move to a bigger house and went to get a Mortgage in Principle this morning. Just a bit confused though (should have asked at the time..) but the figure we got, say £350,000 : in theory is that the value of the house we can afford to buy? (i.e. does that figure include the £50k or so of equity we have…
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Help to Buy
Hi All, We are just starting the journey of buying our own place using the help to buy equity loan scheme (or at least hoping to). I am trying to work out whether there are specific mortgages for this that lenders will offer or whether we will just be able to choose from /qualify for a range of regular mortgages but…
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Mortgage with no credit history
Hi. Sorry if this has been asked already, I have tried searching but all I am finding it help on bad credit history, my question is around no history. My eldest is 19 and has landed a job on decent money. He's found a very cheap flat he likes the look of and thanks to us having been saving little each month for a long time…
