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FTB Please help
Hi I have currently applied for a Barclays mortgage through a broker. I have been accepted in principle and I have a valuation booked for the propey tomorrow between 10am-1pm. My case hasn't gone to the underwriters yet. My experian credit score is 'fair' My equifax score is 'fair' However my call credit score is 'poor' My…
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Friends life endowment help!
Nothing to see deleted post
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New job regarding mortgages for new builds
I've recently been accepted for a mortgage on a new build semi detached house, I believe the mortgage offer is valid for 6 months and was granted at the start of march, with my expected completion date on my new build to be 31st June... my issue is I'm looking change jobs now that Ive been accepted for the mortgage, but…
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Adverse Credit Lenders
Hi, Looking to investigate lending criteria for adverse credit mortgage providers that lend in Scotland. Other than Precise and Aldermore, are there others? Thanks
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Mortgage - Issue over shareholder and SA302s
Hi All, My brother is looking for a mortgage. He wished to use his PT salary for our family business of £6k. He has been paid via PAYE since September 16. (as well as FT salary from his 1st job) When the Company started 3 years ago, he was added as 33% shareholder but has never received dividends. Broker has advised he…
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Mortgage in Principle hard check
Hi, Does anyone know how easy it is to change lender after a mortgage in principle that was done as a hard credit check? Do I have to, or should I, stick with the same lender? Thanks
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Tier 2 visa wanting to get a mortgage
Hi, Me and my partner are nurses and we are thinking of getting a mortgage. We both hold a tier 2 visa, my visa just got renewed (I work under nhs now) and hers is in the process of transferring to nhs as well which means she will also have 3 yrs visa validity. My annual salary would be £27+++ and hers is £24+++. I've been…
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My mortgage ended now, I want to change the title of land registry
The original title is two persons name, the mortgage company told me they have sent "Electronic discharges" to HM land registry last week. now I want to change the title to one person, My question is: on the form AP1: 4. application, priority and fees: do I need fill the discharges for the mortgage lender to get rid of…
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Are mortgage comparison tools accurate?
Hi, Just wondering how accurate mortgage comparison tools are, and whether the rates they tend to show on these are accurate / what you actually end up with or not? Thanks
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Help or advice
Hi guys, It's my first time to write on here but was hoping someone could assist. My partner and I would like to buy a house currently was have 30k deposit. My boyfriend has excellent credit however mine is poor I have had nothing major basically I've missed the minimum payment on my befit card a good few times I don't…
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Life insurance/mortgages
Finally have an accepted offer:TAnd a mortgage appointment to follow. Regarding life insurance etc do mortgage companies want you to have a policy. I'm an NHS pension member ( still in service) so have death in service benefits from this. Is this enough? Thanks
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Mortgage Underwriting
I am looking for a bit of advise please on mortgage underwriting. I wish to get a mortgage as an employee but a close family member is still a director of the business I work for. I have my wage slips and can prove my income via bank statements but I am concerned about deeper checks underwriting may do if they flag that I…
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Standard 25 Year Mortgage Term or 16 Year Term?
Dear All, I was going for a 25yr standard term and just as we're about to conclude and make the application (I'm going direct), he asks about term. The only positive aspect of my dealings with this lender's advisor. I didn't realise there was such a saving to be made by reducing the term. He gave me a 16yr term for…
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Mortgage Appeal
Hi all Not posted on here before but I have found a number of posted and reply's very useful so though would ask the question and see if anyone is able to advise. Myself and my partner have applied for a mortgage with Natwest and passed the affordability but then had the application declined when we are looking below our…
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Getting a mortgage on a fixed term contract
Hi all, I'm wondering if anyone can point me in the right direction. I have just taken a job on a 2 year fixed term contract after being in permanent employment. I work in research and in this field most jobs are on fixed term contacts, due to funding, and then get renewed at the end of each contract. I have saved up a…
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Right to Buy purchase - advice needed
Hi everyone, Both my Mother and myself would like to buy our family home through our local council's Right to Buy scheme. We have had approval from the council and have accepted the offer. Whilst I am able to easily get a mortgage and would be able to pay this off entirely on my own, my Mother must be on any mortgage as…
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Consent To Let HSBC, First Direct or Nationwide.
None to see.
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How many mortgage applications at once?
Hi, We were intending to let our property so started the application process for a BTL mortage on our current property, and a residential mortgage for a property we are purchasing. (Early days, applications were submitted end of last week). However, we have now got a buyer for our current property and would like to port…
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Getting a mortgage and moving abroad
So I've tried to find information on this but can find anything that matches my circumstances. I am looking to buy a house but also plan to go abroad for about a year. I currently live with my dad and my sister and will do in the new property too. They'll carry on living in the new house but the mortgage would only be in…
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Vendor gift on mortgage
Hi all! Hoping you can help as I have gotten nowhere with Halifax :( I have a mortgage with my now ex partner and have had it for 6 years. For the 6 years before that my partner had the mortgage with another ex. My partner purchased the house from her mum with her ex, and at the time of purchase, a £10,000 vendor gift was…
