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Help to Buy - Overdraft for one person
Hi, looking for some guidance / advice on what to do in my current situation. My partner and I are looking to buy our first home (flat in London) under the Help To Buy Scheme with a 40% government stake, 5% deposit and 55% mortgage. We have been cleared through an Agreement in Principle by the mortgage broker, but I…
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Newbie in need of advice - mortgage required?
Hi all. I was wondering if anyone could help me with my situation and acquiring a property / getting a mortgage and just what my options are. I'm looking to purchase a property (probably by myself) which is likely to be valued anywhere between 850k - 1mil. I currently own 2 properties outright through inheritance 1) valued…
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Need advice ASAP about to complete on a property!!
Hi all, My partner and I are about to complete on a property for £125k (LTV 95%). Obviously this means we have been given FULL mortgage offer and are essentially 99% of the way there. We are just waiting on conveyancing to finish and then we are ready to sign and get the keys. I have recently become very concerned that the…
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Valuation
Hi All , I have my valuation tomorrow , no idea what time or anything , does anyone know how i obtain this information ? Will the report be sent to me or my broker ? Thanks in advance :)
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Halifax sa302
Mortgage application done yesterday, halifax have requested 3 years sa302 and tax overviews. I have my accountants tax calculations for 3 years but they saythey can't accept these even though its a chartered accountant. Does anyone know if hmrc will fax or email them? On a timescale so can't really wait up to 10 days for…
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Can you sell a house with no Section 38?
We bought a new build 15 months ago from a small builder. They are a nightmare. We have just found out there is no section 38 agreement with the council. The roads are all u finished and only 4 more houses to sell. I know exactly what is going to happen. The 4 houses will sell and the builder will vanish. They are telling…
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Advice needed...
Hi! I'm a FTB and can finally now say i've had an offer accepted a little below asking & ready to get my mortgage sorted. We have a DIP from halifax for what we need, but BOI are better rates so our broker said we should use them but they have a strict panel so our solicitors is a little more expensive than others. this…
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Any advice (new address issues)
Good Afternoon, Looking for some advice really, if anyone has been in this situation before, We are buying a new build, We have all the mortgage in place, however the street name was not accepted by the builder,(relates to a bad area) which is other side of town FYI. so the builder asked the council to change it, he asked…
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Remortgage, Borrow More, Help to Buy
Hi Everyone, So. My wife and I have a house we got through help to buy. The value of our property has increased quite quickly, and we'd like to borrow more so we can make some home improvements etc. Our mortgage is with Nationwide, but when I've tried to apply online to borrow more, it says I can't do it online if we have…
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Positive result - challenge upheld on affordability rules
Not sure if right place to post but wanted to share some positive news re my mortgage. For various reasons, I am financially downsizing. Wanted to sell my £220k flat, pay £35k off my mortgage retaining £20k and buying a £150k house. But because I am now self-employed following redundancy in mid 2015 I was informed by…
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Mortgage more than 2 people?
Hi Are there any lenders who take more than 2 x appplicant's income into account? Thank you
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Changing solicitors for my first remortgage?
Howdy, I am mid second year of my mortgage (2 year fixed) and looking into remortgaging for a 10 year fixed. My bank does not offer 10 year (NatWest 5 year max) so would have to change banks. But I also would like to change solicitors. My mortgage broker was London and Country so I went with their recommended solicitors…
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SA302 for mortgage....
Hi there, not sure this is the right place for this to go but it is kind of mortgage related!! I need to file last 3 years of tax returns for self employment, yes i am aware this has gotton out of hand and it needs sorting asap but i have sort of buried my head in the sand. So fortunately we are in a good position in…
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Mortgage Application documents confusion
Hi guys. I know this has probably been done to death but couldn't quite find it anywhere in the searches. We have recently applied for a mortgage promise. Which did a soft search and was accepted. Was advised to find house, make offer and then call back. Done this and the house is being bought for approx 66% of the total…
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mortgage mindboggler- 2 yr or 5yr?
I need help! my mortgage is due for renewal soon and I have from the 1st May - 31st July to do it. I have been offered a 2yr fixed and a 5 yr fixed. there is a difference of about 0.8% between them making a price difference of £30 a month. if I choose the 2 yr fixed I could be saving £30 a month, however with Brexit…
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filling in forms for remortgage
quick question . i am away to fill in a mortgage application form . the form asks the question . "have you ever entered into an arrangement with your credits or party to a voluntary arrangement " its a yes or no question . i did have a voluntary arrangement but it came off my credit report a few years back so do i say yes…
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Higher Salary v Travel Costs
Hi all, I'm looking for jobs (all of similar type) both locally and in London. Jobs in London pay 60k but travel is 450 per month whereas jobs locally pay 50k but 100 travel per month. After tax and travel, the net take home pay is identical. My question is, when getting a mortgage would i be able to borrow the same or do…
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Defaults on file!! Please help?!?
Hi currently going through a mortgage application with barclays I have 4-5 satisfied defaults on my credit file off 2011 what are my chances of being approved of this mortgage? Thanks in advance
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Halifax video call
Anyone done an application via video call? What documents do they want you to see?
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First Direct sent out mortgage offer - but no credit search?
Is this normal for existing customers 8+ years - surprised none of my credit files have a search?
