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First time buyer - temporary agency contract
Hi everyone Has anyone successfully got a mortgage through nationwide (or elsewhere) on a temporary contract through an agency? Nationwide have said we will be accepted but would love some advice or stories of past experiences from real people. We have had an offer accepted (115k) we have the deposit and all in all we are…
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Santander mortgage renewal
Hello, My current mortgage deal expires in August and I have received a letter from Santander offering me the change to renew my mortgage early with no early repayment charge. Or, I can choose to wait longer until my current product ends and choose a new product then or a completely different provider. In the past, I have…
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RBS Mortgage - Say I am in arrears even though I am not!
Hoping someone can offer some advice! I have held an RBS Offset mortgage for the past 12 years - last month (April)I needed to change my payment date fro the 20th to the 28th so i cancelled my direct debit, filled in a 'change of payment' date form which I returned to then and in the meantime made a manual payment prior to…
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Loan and Remortgaging
Hi all, We are due to remortgage in September 2018. I have several credit cards and catalogues with balances. I'm looking to consolidate into a loan to clear these and get them paid off asap however it will leave me with the loan with a balance of roughly £3k around the time of remortgage. I'm weighing up my options, being…
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Mortgage best buys search - Virgin Money?
Is there a reason why Virgin money products available to the public direct from their website are not showing up when I use the MSE Mortgage best buys tool?
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Nram mortgage nightmare
Hi there I am looking for some advice please. In our haste to get a mortgage we took out a northern rock 100% mortgage in 2006. Seemed like a great idea at the time. The biggest catch with this mortgage is that they made our mortgage up with a loan to pay for the property. Our mortgage is only 87000 but the loan is 22000…
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Remortgaging - Occupiers and Agreement form
Hi there, A quick question: I have received an offer for a remortgage and the new mortgage will be in my name (sole borrower). However, the lender has also written to the adults living in the house (i.e. my wife) to ask her to sign an Occupiers and Agreement form. I would like to find out what are the legal implications of…
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Need help with BTL mortgage
Currently in the process of switching my mortgage to a BTL however I have a tenant in place. Have not informed lender as would be classed as unauthorised letting? Or would it? They now want to see my bank statement which shows my rent going in. Want to be right by everyone but always a stumble. Also in process of…
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Right to buy help
Hi everyone I applied for a right to buy and got an offer. It has been really hard to get a mortgage in the current economic climate. I accepted the councils offer and gave the relevant paperwork the broker told me to. This did not include the original mortgage offer letter, which was mandatory. By the time the offer…
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bankruptcy mortgage advice please!!
Hi everyone i am looking for some advice. i will try and keep it as short as possible. back in 2013 i declared myself bankrupt as per citezen advice, as i was involved in a motorcycle accident and was injured quite badly. i was unable to work and so my bills where racking up and up! i am now 3 years discharged since 8th…
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remortgaging at nationwide, online or otherwise?
Hi, My 5 year fix is coming to an end soon. First time doing this for me. I intend to get another 5 year fix with nationwide again. However, I want to bring the term down a bit. Since I've overpaid a bit and the interest rates are lower now, I can take 10 years off the term and the payments would be the same as I'm paying…
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Mortgage for private home that also has two holiday cottages as part of sale
Hi all. I was wondering how mortgages work when attempting to buy a property which is listed as a domestic private sale but includes a well established business in the form of two self contained holiday cottages? Can we use the expected turnover of the holiday cottages as a factor in affordability assessments? Would we…
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Nationwide DIP
I'm a FTB, single applicant and looking to apply for a DIP as I finally have my 10% deposit saved up, enough money for legal fees, etc and starting to look at houses. I'm just after a little bit of expert knowledge as I have a completely clear credit history apart from 4 consecutive missed payments on a closed Barclaycard…
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Defaults and Old debt management plan
Hi, My boyfriend and myself applied for a mortgage in December last year and at the time he had 8 defaults (don't ask) anyway our broker found us a mortgage through a specialist lender called precise who accepted people with defaults. We had our DIP and everything fine however the mortgage offer was declined due to my…
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Redemption Statement - not inc recent months payments?
I'm in the process of selling my house and my solicitor has forwarded me a copy of my mortgage redemption statement. It was issued in March and valid until end of May. However it doesn't include my mortgage payments for March, April or May (which would obviously reduce the amount of mortgage outstanding). Is this normal? I…
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Shared Ownership % issue
Hello All This is after several attempts to resolve the matter, I have now come to you all for help and advice. I bought a shared ownership property in November 2015. I bought a 55% share in the property and the Housing Association is Genesis. On all official paper work and documents from my solicitors, Nationwide (who…
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non standard builds
Hi. I'm hoping for some help to try to get my head around this. I'm interested in buying a property, it's a non standard build (apparently) as it is timber construction, with pvc cladding. it is a bungalow, but doesn't have a flat roof, only slightly steeped. My financial mortgage broker came to see me yesterday to go…
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Help to Buy
please delete - appears I have incorrect information about the H2B scheme
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Mortgage Offer, yet to Exchange, now partner losing job
Hi there, Hoping this forum can provide me with some advice....I know there are lots of topics on this sort of thing already so apologies for another one however feel this case is quite a bit different. See below current position; - Mortgage Offer received following the lender (Halifax) reviewing and being satisfied of…
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First time buyer- defaults
The mortgage advisor is coming over tomorrow but I'm up late stressing he will probably say yet again we can't get a mortgage because of my silly past. I'm down to 4 defaults... The last being from 2013. My husband has an immaculate credit score. We have a 10% deposit. Does anyone think there's a chance we will get a…
