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So Confused!!!
As title suggests so confused! Posted yesterday about a valuation done last week that we have been waiting weeks for! Heard nothing this week so far so called my broker yesterday. I got an email back stating that the valuation will be there by close of business last night and they would chase the offer this morning. Just…
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Landmark Mortgages Email Address?
Hello, Does anyone have an email address for Landmark Mortgages? TIA
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How Does Large Credit Card Balance Paid in Full Affect Mortgage Offer?
Hi folks, hoping for a wee bit of guidance! I'm just in the process of tidying up my credit file and general financial affairs before going for an offer in principle in a few weeks. I'm self employed and running my business as sole director of a LTD company. I'm using personal credit cards to fund my monthly advertising…
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On benefits how can I change my mortgage deal?
Good morning, I'm currently on benefits and I have a mortgage, am I able to switch to a better deal? or will that risk that my mortgage will be declined due to being on benefits. I currently recieve help for my mortgage so the company is aware. But I'm scared they could ask for it all to be paid back cos currently I have…
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Having a mortgage on a property that is not yours
Curious if this can be done and if so, if it's quite a common occurrence. Dad has poor credit but owns his home which is worth about £300k but has about £50k left on his mortgage. He wants to remortgage the place and pay off the a few debts but because of his age and income, no bank will touch him. As he has poor credit, I…
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let to buy but unable to move immediately?
Hello from a first-time poster! I currently have a residential mortgage on our main home. We would like to move to a bigger house and let out the current property, but this will require additional equity being released from the current property with a let to buy to go towards the deposit for the new residential mortgage on…
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Leeds releasing funds.
Date of entry is set for a week today and contacted Leeds to ensure nothing else was needed. They advised they were just waiting on the certificate of entitlement from the solicitor so they could release the funds. Does anyone know how long it takes for Leeds to transfer the funds? Missives were concluded 7 weeks ago,…
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What does this mean on valuation report?
We have just had a valuation come back for our remortgage and it states 'Legal adviser to cofirm that adequate access arrangements and repairing covenants exist in respect of the matters considered essential for mortgage purposes'. Does anyone know what this means? We moved into a new build in 2015. Is the surveyor giving…
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Looking to move - Need advice
Hello all, first time poster so please bear with me. I currently have a mortgage which is an interest only mortgage with an outstanding balance of £78500 with 13 years remaining and the current value of the property is roughly £103000 give or take. I bought the property in 1997 for £35000 as a new build and was poorly…
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Help me end my festering resentment
I have a festering resentment towards Santander (then Abbey National) which I'd love to set to bed, if anybody will be good enough to chip in. Twenty five years ago, when I was very just out of college, I took out a repayment mortgage with Abbey National on my first flat. I chose a repayment mortgage because of the…
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Atom to pull record 1.29% five-year mortgage fix
The product was only launched one week ago but is now being pulled due to 'huge demand'...Read the full story: 'Atom to pull record 1.29% five-year mortgage fix' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Advice please for the clueless
Hi thanks for reading my first post. We were posted away for work 9 years ago whereby at the time we put both our separate houses onto interest only mortgages. We have now been redeployed back to the original area and we wish to live in one of the houses eventually one will be sold. The house we want to live in only has 10…
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First time - really need help please
Hi So me and my husband tried to get a mortgage in 2011. No luck at all. Current situation is fairly bad credit with outstanding defaults (due to high rents/childcare and poor attitude in the aftermath of mortgage rejection). Outstanding debts of about 9k. These can be satisfied but will compromise deposit amount. Joint…
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Japanese Knotweed - advice please for obtaining mortgage
Hello knowledgable mortgage people We have lived in our house for several years and are on our 3rd fixed term mortgage. We have never had any problems getting the mortgages, and surveys, valuations etc have been fine. We have recently discovered that Japanese Knotweed was found on a building site (now 5 new houses)…
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Remortgaging but now unemployed
I recently was made redundant and am close to my 2 year fix ending. Currently the best deal for a new fix is with the same lender I am currently with. Will they want to see employment evidence still or will they just product transfer without making full checks? The lender is HSBC.
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FTB mortgage + CCJ London
Hi all, hoping for some advice as to how likely I am to get a mortgage with the below circumstances. I have a CCJ registered in 2015 and settled 10 months later. The amount was 2.8k. (In case it matters, it was a debt from uni which I forgot about, built up interest for a few years, then I only found out about it when…
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Wanting to get into mortgage advice
Hi, I hope it is ok that I have come here but I need some advice. My dad is a mortgage advisor and I am looking to get into the same sector to join the family business. He has set me the task of researching what I need to do to get myself qualified etc [I guess to see if I am up to the task]. So I just have a few questions…
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Gifted Deposit - Parent payback
My friend and her partner have recently split up after he cheated twice with various women - they are not married but cohabiting in a house with a mortgage. They have lived in the house for a year and his parents gifted him £20,000 deposit to buy the house and do what he wishes with the money. Since the split in January,…
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Nationwide - Switch deal online - valuation?
Hi all Our 4yr fix with nationwide at 2.99% is coming to an end at the end of July and as of this month i can switch deal online with no early repayment fee and benefit from the new lower rate from next payment. I've shopped around and nationwide's no fee 5yr fix looks about as good as i can get for our relatively small…
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Remortgage advice - Debt Consolidation
Hi all Our two year fixed deal with Nationwide is.coming to.an end soon so we are looking to remortgage. We bought the house 2 years ago for £240k putting down a 15% deposit. When the mortgage finishes there will be approximately £191k left. The house is at a conservative estimate is probably now around £265k maybe more.…
