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So Livid @ Nationwide
Hey bit of a rant here.. hoping that someone will have been in the same situation but had a happy ending... My nationwide DIP was referred.. we were told because of a address issue (we live in a flat) so they've done the hard credit check and we had to submit all the documents we would have if it was for the full mortgage…
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Ex-GF Wants to Sell House - 8 months into 2 year fixed deal
Hi, Sorry if this is in the wrong place. GF and I recently broke up. We bought a house together as joint tenants 8 months ago. We both put £16,500 into the house and paid £210,000 and we've both been paying 50/50 on the mortgage. I earn £14K, she earns £30K. She wants to sell the house but we are still in our 2 year deal.…
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Buying first home as a self employed person
Hi Guys I need some help, I am looking at purchasing my first property as a self employed person. I am a self employed affiliate marketer, and at present I am registered as a sole trader, my income has increased drastically this year, and we are now in transition to going limited and VAT registered. My personal income…
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"Lending" son stamp duty
I want to pay the stamp duty for my son on his house purchase. The seller has asked his solicitor to verify my son is in a position to proceed and he in turn has asked my son to demonstrate he has the funds readily available. I can pay the amount - a 5 figure sum - into his bank account but will that attract the interest…
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How long before re-applying
Good evening Me and my husband found the perfect house last august, so we applied for a mortgage through the broker that the estate agents recommended. The first application was with Santander and it was rejected, so she went to virgin and that was rejected too. I think the reason was because of our debt to income ratio…
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Remortgaging when you earn less than before...
Hi, we have a mortgage of £188,000 on a property worth around £400,000. This give a LTV of 32%. The issue is that although we are able to pay our mortgage no problem each month and have never missed a payment, we are earning a fair bit less than when we first took the mortgage as my wife is now a housewife. We are looking…
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Remortgaging & Broker problems
Hi All, I am currently going through the remortgaging process after purchasing my house on a help to buy scheme 2 years ago (20% shared equity loan) so everything is new to me. I compared mortgages on a comparison site and got in touch with a broker. I told him that i had 'x' amount on my mortgage and want to additionally…
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Moving mortgage from repayment to interest only
Hi all Just wondering if anyone can help? I could be losing my job at the end of March but still waiting to hear. To give me a bit of breathing space in case I don't get kept on or can't find a new job I rang up my mortgage provider (santander) and asked about how I would go about changing my repayments to interest only if…
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Getting a new mortgage
Hi all, first time on a forum here. I am applying for a mortgage in my name only in 12 months to purchase a property off my parents. Details below... - House value (after extension work) circa £330k - Anticipated deposit available £164k from sale of current home (after paying off circa £110 mortgage outstanding and valued…
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Patiently waiting
Hello, first time post from me however I have browsed the forums on and off for a year or now. :money: We are looking to purchase a property 1st half of this year. My base salary: £66,400 (projected earnings this year £84k, P60 for last year £76k - this is OT and bonus on top of base) Wife salary: £14k We have two cars on…
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Overpay??
Hello, I'm in the very lucky position that I owned my own house before meeting my now husband. We've bought a house together and are currently paying 1.79% interest and owe £130k. I have a consent to let on my house paying 4.49% interest and owe £80k. It's not financially beneficial to move to a buy to let mortgage and I…
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How can I get a mortgage
Hello, last year my world fell apart when my family and I were evicted. Our home was repossessed but with a lot of stress upset and hassle managed to obtain a bridging loan and get the house back. I was with Chelsea, I had never missed a mortgage payment and up until the day before the horror took place money went from my…
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Buy now or save for longer?
Hi :) We are a couple in our mid and late 20s. Currently working and renting in London on combined salary of 60k. We have finally saved up 20k for a deposit. We want to buy (and eventually relocate) in North East Scotland as that's where I'm from and my family live. So we are looking at 80k-100k purchase price. I am…
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When do i start remortgaging?
My 2 year FTB fixed deal finishes at end of March. I would like to go for another fixed (possibly 5 years this time). When would be a good time to start the process? I assume now would be too early?
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Enough deposit but hard to get bills, touch isa?
Hi Guys Me and my partner both have the help to buy isa's and both pay £200 so that's £400 going into two a month, we both have the amount we wanted to give for deposit but finding it hard to now get fee's ready to go ahead, we were thinking of either dipping into an isa to take money out for fee's? or maybe stop paying…
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Help! Which term?
Hi all, I'm looking at trying to understand the best option to take. Currently hypothetical but likely to be a real scenario in the next few months. We're looking at relocating to Manchester and will be buying an apartment at circa £180k with an £80k deposit. I will be taking my London salary with me so we will be in a…
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Natwest
Hey guys, new to the forum but often find it the place to come when my mind is about to melt :mad: Ive got a problem with my natwest mortgage application that i could use some advise with.... Recently moved into a rented property (sep2016) landlord decided he wanted to sell (dec2016) and has given me until march so the mad…
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Precise Mortgages - Which Credit Reference Agency?
Hi, I wonder if anyone can help? We were offered an AIP with Precise on 11/1; I noticed a 'soft credit check' with Experian the day after on my report? Just wondering which CRA they use at full app stage? Is it Experian a second time? Experian & Equifax or, do they credit callcredit/noddle as well? Many thanks...
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How can I check if my mortgage is correct?
This is a bit of a tricky one I think, because of the circumstances. I have had my mortgage for 10 years now. During that time, it has had an unsecure loan on it, been in an IVA and changed hands 3 times by the same company indirectly. I received a statement last year of the balance and I can't be 100% sure, but it seems…
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Mortgage advisor problems
I need some help please. We applied for a mortgage me and husband as equal share and after the first mortgage advisor let us down big time we were left with solicitors half way through the case and... We made the mistake again going to another mortgage advisor who secured us a mortgage on my name with BOI but forget to…
