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Old endowment mortgage
I bought my first small flat back in 1988 and had a small endowment mortgage, I sold it in 1997 and stayed with the same mortgage provider with my new place, I since sold that and bought another place, where I am now and mortgage free since retirement. Now I'm wondering after all this time if I might be entitled to some…
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Barclays mortgage online access
since a few days i cannot log into my barclays mortgage-only account anymore. it says: "You may need to open a Barclays current or savings account before you can use the service." very odd. my current and savings accounts are with other banks. did anyone else notice this problem?
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Occupiers Consent Form - Will it delay exchange?
Long time lurker, just joined as we need some advice on the Occupiers Consent Form. Snapshot: married, FTB have mortgage offer with Natwest, husband applied as single purchaser and I have to sign Occupier Consent Form. Just been informed by the useless and painfully slow conveyancer one week before exchange that I must…
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Broker question
Hello, We are FTB who are buying through a broker. We're looking at a sub-prime mortgage which they believe they can help us with. They asked for all documents- ID, statements, payslips etc., which we duly posted to them. ID returned within 24 hours. So far so good. They've had everything that's been asked for since…
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Mortgage Renewal
Hi I was wondering if I could ask some advice My current fixed rate is up for renewal and in the 5 years I have owned the house it has increased. I have had my renewal through and if I look at sold prices and current prices in my area (an estate with very similar style houses) if I value my house by 11-15K under these…
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Parents getting mortgage for children?
Hi everyone, new to the forum here and new to this whole mortgage thing so bare with me here pls... as the title says, generally speaking without going into too much detail can my parents get a residential mortgage in their name only for me and my wife (and ofc for parents to live in aswell whenever they choose)? does it…
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Endowment Misselling
Hi, Does anyone know if the deadline has now passed for mis-sold endowment complaints? My parents have not long told me there is going to be a considerable shortfall on their endowment mortgage (taken out sometime in the 1980s). It was originally taken out with the Staffordshire Building Society and is now with Nationwide…
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Self Build Mortgage
Hello all, I have an interesting question to ask you wise people. I have a plot of land with planning permission for sale. An interested party has offered to buy the land but is having trouble raising a mortgage as he is paid in Euros not GBP. I have available funds and could in theory offer him a Loan/Mortgage to purchase…
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Nationwide - Applying in full after receiving DIP
Hi All, I am posting to see if anyone with experience with Nationwide could kindly shed some light on what proof documents are required at application stage after receiving a DIP? My partner and I applied for a DIP online last month and received a PDF copy of the certificate. When this went through they requested the last…
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Equity Release and tax status
Hi all We are considering an equity release lifetime mortgage. I wondered if others on the forum could give me a heads up on how equity release affects tax status? Obviously we'll go through the detail with an IFA once we're closer to making a decision but thought I'd tap into the forum wisdom and experience first. Many…
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More 2 Life Equity Release Lifetime Mortgage
Hi all As previously posted we are unable to secure a conventional mortgage. Several IFA's have suggested the equity release route for us - and More 2 Life have emerged as a possible lender for us. Does anyone have any experience of them? Many thanks :)
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Surviving the next 5 years
Single 50 year old woman. Property owned outright, recently on the market for £495,000 in order to downsize. Money purchase pension worth ~£330,000 Savings ~£15,000 and eroding gradually. No debts. Self-employed zero hour contract, capped at £1000 per month. Work is dwindling, last month invoice only £250 Current…
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46 with poor credit score will I ever get a mortgage?
Hi all My darling daughter is now over the age of 18 and has left education and has her first job! After being a single Mum all her life, my credit history has taken a battering, however I now find myself in a better position financially and have cleared all my debts apart from 1 which I am paying back monthly. I am 46 and…
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Mortgage ** very poor Credit and ** Excellent Credit
Hello, I hoping I can get some help. Here is my dilemma, over past few years i have never been good with money always in an out of payday loans and recently hit with a default last year in June 2016 on one of the PD loans. now I have learnt my lesson and started to become sensible I have since paid off all debts I had and…
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Mortgage plans when planning to sell
Hello everyone, Firstly please forgive my naivety on this topic. My husband usually deals with the mortgage situation but circumstances have changed and I am now forced to deal with it. I have had a mortgage renewal come in but I plan to sell my house within the next 6 months. The broker is asking me to sign up for a…
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Overpayment - reducing monthly payment or term?
I have a fixed rate (2.69%) mortgage with 16 years remaining. I have 74.000 left to pay and my fixed term comes to an end in 2020. My monthly payment is £ 478. I am self-employed and by the time that my fixed rate term is finished my income is likely to have gone down - I can already see it for the next tax year, due to a…
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Mortgage
Hi everyone , Sorry its me again , So we went to see our mortgage advisor yesterday who is my cousin who said we would decide to try with halifax first - now is this such a good idea ? My deafults were with halifax in 2011 !!! and now settled after much confusion. I suggested aldermore to him and he said they wernt so keen…
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Port mortgage across or get a new one? What should I do?
Hello, I'm planning to buy a second flat to live in whilst retaining my current house to rent out. I have an offset mortgage on my current house worth £600,000 with the Yorkshire Building Society with a permission to let agreement whilst I rent it out and live in a separate rented flat. My mortgage is currently at £159,000…
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credit card debt for remortgage
Hi, We have around £10k on 0% credit cards and are looking to remortgage in July to come off a fixed and hopefully get as low a deal as possible. Currently the debt is split over 3 credit cards (close to maximum credit limits) but we also have two other cards with £0 debt but up to 13k credit limit. For our remortgage is…
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Kensington Mortgage application timescale
Hi- I hope this is the right place to post. We are waiting (almost 3 weeks) to hear from Kensington about our application. We were expecting lots of extra paperwork requests from what I have read on here. Anyone been through this that can maybe reassure me please? How do I know when they have done a valuation? The credit…
