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can someone recommend a mortgage broker?
I'm assuming its better to use a broker than a bank? can someone recommend me a broker for me. I'm self employed but don't earn much.
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Any downside to fixing?
Hi there. Just want to check i’m not missing anything obvious. We are in pretty good shape financially with just over 6 years left on our relatively small mortgage. (Balance = under £30k on a house valued £400k+) Current mortgage is BMR tracker with Nationwide @ 2.25% We have no plans to move and although we have made some…
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Where do I stand?
My now ex partner (and I) bought a house 5 years ago. He got it in his name because I was worried I would get rejected due to poor credit at the time (although stupidly I never actually applied). He got the mortgage in his name, but we got a trust deed drawn up which states that we both have a 50% interest in the property,…
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Nationwide, AIP
Hi. I and my husband applying for a mortgage. We have a 20% deposit, he has excellent credit score, although I am a little bit sceptical as I had some problems before and my credit rating is bad. But we applied and Nationwide gave us an AIP. My question is - did they do full credit check on this stage or they do credit…
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Overseas funds for house deposit help
Hello My partner and I have just had an offer accepted on a flat in London. My partner is Danish and is planning on funding her half of the deposit with money in a Danish bank account. This money is in the form of inheritance from her late grandparents. We have been informed by our broker that we will need to provide a…
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Missold a mortgage
Hi fellow MSE-ers Back in 2003, I remortgaged my flat and was offered a Birmingham Midshires mortgage product. I think I had adverse credit, ie a CCJ. The important thing was that it was portable.When I came to sell the flat, about 6 months later, it appeared that BM had made a "mistake"and as such, I wasn't eligible for…
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12 months wage slips
NatWest are asking for 12 months wage slips is this standard procedure?
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First Direct - First time buyer
Anybody able to shed some light on First Directs mortgage criteria or any first time buyers recently gone with them? I am a first time buyer looking to borrow anywhere in between 3-4x my salary with a 20% deposit, from searching around First Direct seem to be pretty picky and I'm wondering if I would be better going…
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Landlord Tax 2015-16
Hello, I am an accidental landlord having moved to London, where I am renting, whilst renting out my house elsewhere. I'm aware that the deadline for self assessment for the 2015-16 tax year is fast approaching and using the calculator the telegraph buy-to-let calculator (27 JUNE 2016 • 4:05PM) that I found online I think…
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Another "deal ending" question
Hi everyone, As I posted previously, my mortgage deal is coming to an end fairly soon and I am hoping to choose a new one as soon as I can. I can do this within three months of the end of my current deal. I have 36 years and 4 months left of the mortgage term at the moment. If I choose the new deal next month, with 36…
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Body's and contents insurance
When I took my a mortgage out in December 1992 I was told by the building society that I had to have their insurance but it was very very expensive but I did as I was told as I'd just come back from America and needed the mortgage. Can I claim it back?
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Remortgage grandparents house?
Not sure if this is the right forum for this but any positive responses are welcome! Last year I moved from London to the southwest to live with my grandmother who has dementia, she's very active but needs company and reminding to take her meds. I wrk part time in a secure and reasonably well paid job. Her house is fully…
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Future mortgage - Overdraft
Evening guys, My partner and I are currently saving towards a 5% deposit for a circa £300,000 property which we are on schedule to accrue by December of this year. On January 15th our rent expired at our previous home, and we have returned to our parents in order to better save. My problem arises in that we shared a joint…
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Brokers on MSE
Not sure if you will be allowed to answer this as it may be classed as advertising but do any of the brokers on MSE work on a free (nothing is ever free, commission from lender) only basis? I got my first mortgage with Abbey 12 years ago via a broker on here who was great. I can't remember his name or any of his details or…
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Re-mortgaging to release funds...
Hi all, We were lucky enough to have our mortgage approved around 15 months ago and are now starting to think about re-mortgaging to release some funds to pay off some debt we had before we bought the house and to fund some home improvements. (currently on a two year fixed deal that will end at 2 year point)We are aware of…
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chances of new mprtage if husband used a pay day loan?
hi, does anyone have any advice to help? Husband used a payday loan for £50 paid it back, but our mortgage lenders have said we cant take a new mortgage because of it> is there anything we can do??
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Help To Buy Remortgage Help!
Hi all, My husband and I purchased our first home on Help to Buy equity loan just over a year ago. Our mortgage rate is fixed for 2 years and will therefore be coming to an end in September this year. I am currently researching how we go about remortgaging for Help to Buy so that we can benefit from better fixed rates once…
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Mortgage 'In Principal' - Low Income Family
Could anyone advise the best companies to use to gain a provisional lending figure for my daughter and her partner who are looking to purchase their first house They have visited a local independent financial advisor who are dragging their heels on figures and are now out of the office until midweek and houses are selling…
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Santander overpayments when moving to Santander SVR
Hello, This is a quick query on how any overpayments would operate in the same year of reverting to the SVR... Our 5 year fix with Santander at 2.99% ends in May - and we'll then move to the SVR rate (4.4% or so I think) - assuming we don't get a new deal. If we were to make an overpayment of say £5k now, before the fixed…
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Specialist re-mortgage advice for someone with DMP?
Hi! I am trying to find good mortgage advice on remortgaging or alternatives. I have a long term DMP and have not been able to get a mortgage "deal "now for 5 years due to bad credit & low income. - I am just paying interest only instalments on the mortage lender's "standard rate". I have 14 more years to go on my £180K…
