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Advice on mortgage application please anyone
Hi, I just wanted to ask if anyone can put my mind at rest regarding my recent mortgage application. I will try to keep it short! I have been told by Lloyds that my mortgage application has been signed off by the underwriters and Lloyds have already had an valuation of the property I am attempting to buy. My concern is…
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Advice with application and a default
Hi, Applying for a mortgage with Halfiax. I have had the AIP approved. My experian credit report is showing as perfect. My equifax and callcredit show 1 settled default from 2013 (mobile phone) My questions :- 1. Do halifax just use Experian? 2. Should I tell halifax about the default on application? Thanks,
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HTB 5% what happens on 31st December
Just wondering if anyone knows the situation if you have a mortgage offer for a 5% help to buy but you aren't ready to complete before 31st December? Will the offer still stand into 2017 or will it cease ?
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Remortgage from joint to single with no divorce/separation
Hi. My husband and I have a 20 yr age gap. We bought our house 20 yrs ago and due to a series of silly financial decisions (hindsight etc) still have £130000 to pay and only 5 years left. Due the surprise arrival of our now 5 yr old son we switched to interest only (as we were skint with a baby on the way) and are now in a…
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Re-mortgaging to draw out equity and been given a £0 valuation!- PANICKING!
We bought our house 3 years ago, paid £250,000 it, but got an absolute bargain as it is on 4 acres, gorgeous views and has 21 rooms. It was once a Hunting lodge for Aristocrats. The lady selling it is 97 and accepted a really low ball offer as that is all we could do, and she needed to sell and liked us. We had to jump…
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Taking over mortgage from ex-partner
Following split from partner, she is returning to her sole-owned home, which she was renting out. I want to stay in our jointly bought property which we currently live in. We own unequal shares. I want to take over the mortgage, but to extend the term so that I can afford the repayments. The actual amount is definitely…
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Surveyor Undervalued property
This is going to sound daft and i probably already know the answer but I just after some clarification... I had my lenders valuation and home buyers done on Friday and rang today just to get a quick update and was advised that the info that the lender received from the survayor is that the property was worth less than…
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Nationwide DIP now what?
Afternoon. We had a DIP from nationwide last week and have an advisor coming tomorrow but not sure what stage we are at now. I was told nationwide do a full credit check at the dip stage so is there another credit check when the advisor comes out or is that to discuss the terms and things?
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Take On Mortgage Repayment
Hi, I have a middle-aged, single friend who is looking to live a less stressful life. He currently has a mortgage balance on his property of £70,000. I am hoping to help him out by carrying out the following. A. Take over his mortgage repayments every month B. Have him move out into a cheaper property (to give him more…
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First Time Buyer relocating
Hey, Was really hoping for advice regarding our current situation. At the moment my partner and I are renting in London. We eventually want to move to Northern Ireland to be near her family but for the time being we are settled here and ideally would want to move in approx 18 months time. The trouble is we've seen a new…
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Nationwide Consent to Let - had mortgage less than 6 months
Hi all, I have recently bought my first property under a 25% deposit residential mortgage with Nationwide. I moved in a month ago but now my work have asked me to go abroad for approx. 6 - 12 months. I feel my best option would be to rent out my property short term until I am back in the UK permanently as I will barely be…
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Remortgage question
hi, My current deal is due to expire at the end of Jan 2017 - do you have to remortgage - how do I find out what my interest rate would be if I dont remortgage? I tried calling the lender who answered me by saying make an appointment to come in and discuss. I may sell early next year although havent made up my mind as yet.
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Re Mortgage Help
Hi All - this is my first go at a forum so please be gentle with me ;) - I have a current mortgage deal expiring soon with a high street bank, I am fortunate that my loan to value needed is less than 35 % - £80k on property valued at £250kish - and have a term of 8-10 years max left that I want to pay it off. However I…
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Self Employed Mortgage - Already A Home Owner
Hi All, Me and the family have recently moved back to the UK after being overseas in Australia for the past 5 years. We have maintained our home in the UK and have an existing mortgage on it. However, since being away our family has grown and we have out grown our UK house and must move to a bigger home sooner, rather than…
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Nationwide - possible error with mortgage overpayments?
Hi, My partner and I have a mortgage with NW towards which we make regular overpayments, especially in the last 5 days of the month when we know exactly how much we can spare. We usually do this by making faster payments from about 4-5 different accounts in our names (some individual, some joint). After a gap of 3-4…
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Reduced income and mortgage
Hi, I am wondering if anyone can help. I am currently on maternity leave after my 3rd child. We have recently bought a new house and the mortgage is nearly the maximum that the bank would give us based on mine and dh salaries. I really want to get a different job after mat leave, I am a qualified health care professional…
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Mortgage broker complaint
Firstly I want to say that this is not an anti-broker thread, but a genuine request for opinion on a particular broker's actions, and whether I should take the matter further. Basically my partner took on a broker(recommended to her) to find her a mortgage back in August. The property was new build(broker told this several…
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Mortgage lenders that permit lodgers
Hello, I've seen similarly titled threads but the responses appear very inaccurate. I'm hoping my more specific post will get a more certain answer on a topic that google doesn't offer much help for. I'm a first time buyer. I plan on utilising one or two of the rooms in my house for lodgers. I will not create a tenancy. I…
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Advice Pls
Hi We are in the process of buying our first house. However we have just found out that in 6 months time we are going to be given a substantial amount of money. My husband would like to buy another house and rent out the first the house. How would we go about doing this? would their be any implications etc? many thanks
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HTB Deposit question
Evening We're looking to purchase a new build around the 450k mark and intend to fund it partly using the HTB scheme. We've got approx 130k as a deposit from the equity on our current house. I can't see anything on the HTB website about max deposits but have seen it mentioned on some sites about a max deposit of 25%. We'd…
