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Estate agent valuation worth it for re-mortgage?
I have a free offer of an estate agent to visit my house and give a valuation. Is this worthwhile in relation to remortgage? Will the bank take a written recent valuation as credible for qualifying for a re-mortgage?
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Buying a mortgage from partner
Hi I was wondering if anyone could advise me on this. My partner and I have lived in our house for 8 years and the mortgage was solely in his name. He wants to sell me the house for the remainder owing on the mortgage. I have phoned Halifax who the mortgage is with and they said they don't do this, he would have to sell me…
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Need to move/Got a DMP/Will pay everything off on completion
Hello, lets see how this goes!! We are looking at moving into a new build with the help to buy scheme. I'm aware that I need to sell my home STC before applying for the scheme. My house is ready to go to market but I'm not prepared to put it on until I find a mortgage to cover the rest of what I need to buy the new build.…
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Transfer of mortgage/property upon separation
Hi all, So myself and my wife have decided to separate and are quite amicable and haver agreed in principle a way to split our assets which includes me transferring my share of the property to her. This is our preferred option over a sale because of continuity for out daughters/schools/saving on new property SDLT etc and…
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Mortgage expiry date - Nationwide
Hi, I am a FTB and have just received my mortgage offer today from nationwide everything has gone through very smoothly and quickly I was sent my offer text the day of my valuation which was Monday and received the offer today Thursday which I was very impressed with. Also I am using the help to buy London scheme and was…
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What do i actually put as my outstanding balances!
Hi, I am a FTB and have had conflicting information all along! Our situation is as follows: Halifax - £4700 (being repaid in full before mortgage starts as 0% ends) but only showing £3800 on Experian (report was yesterday) First Direct £1600 (being repaid in full before mortgage starts as 0% ends) shows as £400 on…
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Mortgage advice needed
Hopefully somebody can give me some advice on this. I bought a house last month. Due to the house needing refurbishment it was a cash only sale. Having previously had an excellent credit history I was able to take out two loans to complete the purchase. The loans in total are £45k. The intention was to do some of the…
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Natwest Valuation Booked
We are FTBs trying to purchase a new build property with the Equity Loan Scheme. Last week we were unfortunately declined a mortgage with Halifax when it went to the underwriting stage. We now have a full application in with Natwest after further advise from our broker. I was pleased yesterday when our broker confirmed…
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UK Bank that provides mortgage for property in German
Hi, I was wondering if someone can point me to UK Banks that would help with a mortgage in the UK to buy a property in Germany.
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Mortgage Fraud Advice
We live in a house split into two flats. We own the ground floor flat and someone else owns the upper flat, we share the freehold with the person who owns the upper flat. The person who owns the upper flat is renting it out to a family, he has a residential mortgage which he fraudulently obtained telling the mortgage…
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Finding a broker
Hi So I've made a few posts here (thank you for everyone's input!) I've also come to the conclusion that it would be best to go with a broker. Question is how do you choose? No family/friends have used so no personal recommendation. One in our town charges a percentage of the mortgage amount and also up front fee (£100).…
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Advice for supply teacher
I have been working as a supply teacher since late May 2016 and have earned close to £15000 in this time. Before that I have worked as a full time, permanent teacher and hope to get another permanent position for September 2017. I have just received an offer on my house and want to buy again straight away rather than waste…
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Cancel High Credit Limit Credit Card before Mortgage Application??
Hi all, I'm pretty savvy when it comes to money, but I'm stuck on a particular question. I'm moving into a bigger house (hopefully!) and therefore applying for a bigger mortgage. The only debt I had was a Credit Card which was 0% with 9 months still left of the interest free rate. I've now paid this card off fully so that…
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On the edge Mortgage - will I be accepted
Hi guys, Im currently applying for my first mortgage with my partner - but im worried sick because we have the house reserved but not applied for mortgage yet due to my credit report. Now its not terrible - I have 382/700 for equifax/clearscore and I have 893/999 for experian/creditexpert. So both in the good region. But…
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Mortgage
Hi all , me again , Just been to see my broker who rang halifax for an update on our application, we had the valuation on monday and i was wondering do they automatically issue the offer ? Someone was in our case so the lady on the phone couldnt look at it. Just made me nervous as another couple who had their valuation on…
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One Account Customer - Should I remortgage?
In general I'm pretty useless when it comes to financial planning, but I'm at a pivotol point of paying off my mortgage, so thought I'd come on here and ask for a bit of help from people smarter and financially savvy then I :) I'm with the RBS One Account, which you'll be aware has a current rate of 4%, this rate hasn't…
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Remortgage with two defaults
My husband and I are looking to remortgage our current home. We are looking for a low LTV of 40%, the loan size meets most affordability calculators based on my husband's income alone. I am self-employed and have more than 3 years' accounts so could use mine if needs be. We want to capital raise to build an extension. I…
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Bad credit. First mortgage
Looking some advice. A few months back i was left a house with half an acre of land. Basically I've applied for planning permission to extend the house and I'm looking for a mortgage of about 45000. My earnings are 25000 pa and I've no dependants. My credit score is poor on experian and call credit . I have a few satisfied…
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Remortgaging advice please!
ANY ADVICE APPRECIATED! My current mortgage deal is up in June so I'm currently in the process of finding a new deal and the idea of a longer fix was really appealing to me as I'm aware the current rates are record lows. Although I have no plans to move house currently I'm 37yrs old and living in my first house so it is a…
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Using gift deposit to clear debt first
Hi We have just received a very kind gift deposit from a relative. We were going to clear all existing debt using the sale proceeds of our current house (due to exchange very shortly) before applying for new mortgage to put us in the best possible position of being accepted. But now the gift money is in my account I'm…
