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Remortgage Advice
Hello, I was hoping somebody might be able to advise me if it worth me remortgaging? Currently I am in a fixed mortgage for 5 years with Santander at 4.99% with 2 years 11 months remaining. We borrowed £225000 and the house value was £250000. Over a 25 year period. Monthly repayments of £1315.00. My partner and I earn £55k…
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Leeds Building Society - mortgage valuations
Hi all! We accepted an offer on our house about 7 weeks ago. We were told everyone wanted to move quickly to move before Christmas, which suited us as we're moving to a new build which is ready and technically we're meant to exchange within 28 days. We're using the help to buy equity scheme, which added another level of…
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Mortgage offer at risk
Hello. Need urgent advice - applied for mortgage using independent adviser and got it approved in no time ,valuation done quickly and offer followed same day. Deposit 5% from personal contributions sitting in my saving account - funds in it far exceeding required amount. I had couple of thousands of pounds left in my…
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Mortgage broker fees
I have just has a mortgage illustration sent over from a broker. The broker charges £299 They also get paid from the lender. TSB will pay ***************** a total of £408.44 in cash and/or benefits if you take out this mortgage. Is this the case for all mortgages, does the broker always get a commission on top of what…
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Applying for a 5 year fix to complete in April
Hi Im wanting to do the HSBC 1.99% 5 year fix apply now and complete on 01 April (no joke!). Does the 5 year term start when the application is made or when the mortgage application completes: i.e. will it last to Dec 2021 or April 2022?? Thanks
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Bad Luck with Northern Rock Mortgage
Hi There, I wonder if there is any advice you can give me re my mortgage. I took out an old Northern Rock mortgage in 2007 (now landmark mortgages) just before the recession hit. It was one of the 105% mortgages as I have an unsecured loan within it as well. Timing was dreadful as litterally a month or two later house…
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Landmark Mortgages - do they grant term extensions
I have a mortgage with Landmark Mortages - was NRAM. I'd like to ask them for a term extension. Has anyone got any experiences to share about success or not. Many thanks.
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Getting a mortgage with partner but was bankrupt nearly 6 years ago
Hi, I'm new here and hope I can get an answer. My partner is looking to buy a house, it's £355,000. She has £150,000 to put down and so needs a morgage of £205,000 to secure the house. She was already approved a £95,000 mortgage as some gifted money was expected but that has fallen through temporary and so now needs the…
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Complicated Question
Hi, I will try to keep this brief but bear with me. My husband died 8 years ago and we had a mortgage and property in joint names I received life insurance and paid off £120000 of a £160000 mortgage. I kept the other £40000 to pay off debts and to act as a buffer for myself and my 2 small children. Fast forward and I am…
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Applying for a Mortgage with Debt
Can somebody help please? I own a home outright with no mortgage on it, but I also have a bit of debt in the form of a loan that I took out for essential medical surgery, and a couple of small credit cards. I wanted to sell my property, use some money from the sale to pay these debts off and then apply for a mortgage. How…
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Marsden BS Mortgage
Is anyone using Marsden? Is there any way of checking your current remaining balance without calling them?
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Pension Linked Mortgage - Pensions not paying out
We took out a pension linked Mortgage with Northern Rock. Northern Rock transferred it to NRAM (after they went into difficulties) and then to Landmark. Landmark are now hounding daily with threat of repossession despite still paying mortgage every month so there's no arrears. Pensions are not paying out as say they have…
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Mortgage for a 50 year old?
Hello all. Does being 50 affect your likelihood of being offered a 25 year mortgage?
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Mortgage's, First time buying and credit score!
Hi, Currently trying to save for a mortgage. I am 22 and earn 28K a year. I've been in my current job since 16, started as an apprentice. Im not single but would be applying for a single mortgage. I currently have £5000 in savings and a car worth around £6000 (i own the car, no finance) and putting away £850-£1000 a month…
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Credit card limit increased before Completion
I negotiated the price for a house , I applied for a mortgage and finally received a Mortgage Offer from a lander . The problem is that when I made the application for mortgage I had a credit card with 2500 pounds limit and ZERO outstanding . Now my credit card limit increased at 7000 . I didn't requested this increase ,…
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Mortgage offer with retention
Hi all, I recently made an offer on a property at £126k, around £20k under my maximum budget. The Homebuyer's survey was completed, and the surveyor made a very non-committal remark that he had detected a slightly raised damp level on one wall (the back wall of the living room, which now has a conservatory against it on…
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Remortgaging and contract work
I have an interview for a job I think would be a really great opportunity and be very good career-wise but I have concerns about how it might impact my remortgage prospects at the end of my current term. I am currently in a permanent position where I have been for 12 years (since starting work). The potential new job is a…
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It Can Be Done.......
As a long time lurker thought would share my recent experience to give all hope!! Moving and purchasing new build - had DIP from HSBC as current provider plus Wife has worked for them for 20 years! All going well so we thought, the fastest we could get a telephone appointment for full application was two weeks but decision…
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Getting on the ladder Woes
Hi all, My first post here, but wondering if anyone else has had or is having the experience I'm currently having. I've been thinking about trying to buy a house for some time. So with that in mind - I went to visit Halifax to see how the AIP turns out. Unfortunately, it came in rather low, and I don't really have a hope…
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Help to buy isa and deposit
Hi all Sorry if this has been asked already. Buying a house offered accepted and solicitor instructed we want to use our help to buy isa for deposit. Aware of the recent press reports that you are unable to use the bonus towards the deposit which is ok but would we be able to bonus for legal costs or do we get that we'll…
