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Mortgages & endowments
Archives for December 2016
Discussion List
Mortgage Overpayments
Hi, I'm after some advice about overpaying our mortgage. I'd like to make an overpayment of £5000 but keep the monthly payments the same. Our mortgage lender is saying that we would need to change the term of our mortgage to do this at a cost of £60. Is it worth paying the £60? Is it better to just save our money in the…
Nationwide Mortgage First Time Buyer
Hi, I applied for a mortgage through London & Country for a Nationwide Mortgage. I was told by L&C that I had passed credit scoring etc. (as they do this at the start) and a valuation was booked (got the text the day of the application), the valuation happened last week and I had a text to say that Nationwide are reviewing…
NatWest FTB can't fault them
I have to post to help people out worried about getting a mortgage. We got s mortgage in principle 17/11 Offeer accepted on our house 18/11 Mortgage application submitted 28/11 Surgery and valuation 30/11 Mortgage off out in the post today all agree valuation okay 1/12. NatWest gave us a answer in 4 days. Not the…
2nd home mortgage for property parent will live in (deposit coming from same parent)
Dear All, I have a mortgage on a property I live in, and I would like to take out a second home mortgage for a second property for my parent to live in. The parent will also provide the deposit for this property. The property would be in Scotland, and I am aware of the stamp duty implications etc. I have also been approved…
Advice on level of survey to get
FTB here, trying to decide what level of survey to get. Would probably have opted for the home buyers, but when looking through the attic we noticed one of the roof joists was badly cracked/damaged. The rest seemed fine. I've no idea how big a concern this is, and apparently the home buyers survey literally won't even go…
mortgage agreed but shocking survey
I'm looking for guidance on a pickle I've got myself into...any help appreciated. I've just spent a chunk of money adding 2 new bedrooms and a decent size lounge/diner to my house..The initial plan was to re-mortgage and pay off the loan I used to complete the work..once the work was complete. I had the house valued 8…
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