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Pepper Homeloans
Hi there , Our broker has now decided he can get us a better deal with Pepper homeloans as their underwriting turn around time is quick ! Can anybody share any recent experience with this lender Thanks :)
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Childcare and affordability
Hi all, Our mortgage application is currently in with Nationwide and is with the underwriter. We had a mortgage approved for a slightly higher amount a couple of months ago (sale then fell through) so we were fairly confident initially, but it's all taking much longer this time and they have asked for some extra documents,…
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Secured loan question
My house was reposessed approx 6 and a half years ago. The mortgage outstanding balance with NRAM has been "written off" and does not show on my full credit report any more, not even as a closed account. I had a secured loan also. I have recently started receiving letters from Idem Servicing for the balance of the secured…
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Nationwide - Valuation to offer
I have just applied for a FTB mortgage through Nationwide on Monday and they have had the valuation carried out yesterday. Does anyone have any recent timelines with Nationwide as to when we will receive our offer?
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Remortgaging
Hi, I am at the end of my initial 2 year offer in my mortgage and about to remortgage. We currently have a excellent credit rating, however this month by complete error on our part in the account we pay for our bills we went in to an unarranged overdraft. As soon as we realised what happened we paid this off but that was a…
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Firebird finance mortgage brokers
Hello all. About 5 years ago, I wrote a post on here about Firebird taking £1300 from me for a commercial mortgage set up, and the fact it was taking ages and they were sounding dodgy. MSE then had complaints from Tony Lawrence about this and I was told to remove the complaint!! It turned out there were a few of you out…
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brokers Charges
HI I am wondering if anyone knows if this is legal (it feels really wrong) we recently remortgaged an commercial building through a broker and agreed his fee. on completion it was reveled to us that he used a broker to secure the mortgage (this was not reveled to us until we ere almost complete.) we are now paying both…
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Can Connells do this? Failed to get mortgage but won't refund
We used a local Connell's mortgage broker to get a mortgage on a Shared Ownership property. At first, all was rosey and it was sold as a one off fee with nothing ever to pay if we used them again. To put a long story short, we were able to get a confirmation that a lender will lend on a Friday afternoon, but come Monday…
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Mortgage term life insurance
I have only recently realized that the life insurance policy my husband and took out only lasts for term of mortgage I am really worried that when this runs out I will have no cover I have been diagnosed with terminal cancer but might live until after mortgage is paid off Is there anything I can do
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The worries of waiting
My mortgage broker submitted my application with Nationwide a few days ago after a successful DIP, since then a valuation has been booked for 15th and they've requested my marriage certificate as one of my payslips had my maiden name at the top. My mortgage broker has sent this off and all seems ok so far. I do bank with…
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Nationwide mortgage application
Hi everyone. Im really at my wits end with Nationwide at the moment. We applied well over a month ago for a mortgage through a independent mortgage advisor and its taken them so long to book a survey (valuation) that they required up to date bank statements! We bank with them so don't see why they couldn't look…
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Question about insurance requirements for Mortgage
Hi guys, Feel like a bit of a noob as I've never dealt with mortgages before. Will provide a bit of a back story as I have a feeling I may have more questions in the upcoming weeks. I applied to buy my council property before the Right to Buy ended last year. Took a while with the backlog but got my valuation & offer in…
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Limited company Morgage
Hi I'm after abit of help.. I work for an agency earning around 40k a year and I'm looking to get a Morgage on around 6 month. I currently get paid through an umbrella company but I have been offered the option of limited company. Does anybody know if I will have a better chance of getting a Morgage if I'm the owner /…
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FTB Mortgage Application - income & expenditure
Good Evening All, I'm currently compiling all the necessary documents for my first mortgage application (AIP agreed already) and one of the items is a detailed monthly income and expenditure list. I'm looking at around a £350 surplus (per month) after absolutely everything deducted, but I've no idea whether this is seen as…
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Getting a Mortgage as a Student
I work full time and earn a reasonably good salary (over £30k). I'm thinking about studying towards a undergraduate degree while working full time (studying either through distance learning or an evening degree). I will probably get out a student tuition loan. When it comes to applying for a mortgage (which I hope to do…
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Mortgage Dependancies
I currently live with my wife and 2 children (7 & 5) and I will be moving out and getting my own mortgage. I have a meeting with HSBC in 2 weeks and they will no doubt answer this question but different lenders may have different answers so I thought i'd pop this on here to see what others think... Its a simple question -…
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Applying with Nationwide - bank statements
Has anyone recently applied with Nationwide got any idea of how many bank statements they required for a FTB mortgage? I'm hoping to apply in July or August, however I am worried that in the last few months my statements have had all sorts of things like holidays, a few bets and random transfers to friends which I'm sure a…
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Moving house help to buy
Hi, We have found our dream house! However, we are currently own a house which was bought for 150,000 in 2013 with 20%(30,000) from the Government help to buy scheme. We have debts of around 15,000 interest-free on Credit Cards and a Loan from Tesco's of about 20,000 so roughly 35000 unsecured debt. The payments are not a…
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FTB Query
Hello all, I am looking for some advice / guidance on the next steps and the likelihood of me getting a mortgage We are looking to buy a property in the region of £150-£150k, we have 21k saved at the moment and will be looking to pay a 10% deposit with the rest to be used on fee’s and immediate spending when moving in.…
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Shared ownership remortgage - can't staircase!
My partner and I want to remortgage our shared ownership property to do some home improvements. However as we can't staircase above what is already owned we're having trouble getting a mortgage! HSBC were willing to lend us more than we wanted until we said we can't staircase :mad: Can anyone help as to where to go to?
