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Any idea how i can get round this?
The sale of my house has just fell through at the last minute so now rather than go through all the hassle and months of putting the house back up for sale i'm thinking about a remortgage (i currently have no mortgage on the property i own it outright) The plan for selling the house was to clear all my outstanding debts…
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Halifax £1000 cashback - how does it work?
Halifax are currently offering £1000 cashback on completion, paid to the conveyancer. Does anyone have any experience of how this works in practice? Do they send the £1000 through with the mortgage funds, effectively meaning I can send £1000 less to the solicitor. Or will the solicitor have to refund the £1000 to me at…
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Remortgage while abroad
Hello, My current mortgage deals ends in a couple months time and I've got a job offer from abroad. Because I don't know how the life will be out there, I'd like to keep the property in UK and rent it out. I'll move abroad AFTER I can remortgage here so I've got the intention to secure that for 2-5 years as I've got a…
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Remortgage Question - do i need to pay LEGAL FEES
Hi I am ready to remortage and have seen Nationwide advertising an offer of: £250 CashBack or Free Legal Fees. Now I would love the 250 cashback but what does the Legal Fee cover and if I choose the 250, does the remortgage still go through with the Set Up Fee which is about 1000 in itself. The remortgage will be from…
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how do i find the best mortgage deal myself?
I'm currently paying the standard rate with Natwest. How do I find the best deal out there?
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Council Right-to-Buy - House is brand new
We are currently in discussions with another family to swap homes. Their house is 7 months old and is council owned. We have lived in social housing through a housing association for 22 years. By moving into a council home we would be eligible to RtB the council home immediately. However, the house is so new! Surely the…
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Joint mortgage between four people
Husband and I are looking at purchasing a property with my nephew and his wife. House is 600k and we can all put in a total of 400k equity, meaning we would need a mortgage of approx 250k (includes 50k to do renovations). If each couple had their own mortgage on the property of £125k, there would be no issues with…
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Halifax valuation
Halifax cancelled the valuation survey Mon as they had an enquiry with my wage slips. This was resolved same day by myself, my employer and the MA. The MA has been chasing for an update and for a second valuation date. The MA has assured me on Fri that Halifax have said all documents are correct and "signed off" subject to…
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Mortgage after separating
Hello My husband and I have recently separated. He's agreed I can keep the house and he wants nothing. The house is currently worth less than we bought it for and we've been in it for five years. Can anyone please give me some advise on where we start on getting things sorted? Does it all have to get through a solicitor?…
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Shared equity remortgage
Is it possible to remortgage to a different provider if you have a shared equity mortgage? I have contacted several providers today, including ones who do offer shared equity mortgages, but when I explain that I have one with a different provider they tell me they don't currently offer Sh. Eq on a remortgage basis. Why is…
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Mortgage on inherited property
My mum has signed over her house to me that is mortgage free. I am married and work full time but we are renting. My mum has signed the house to me to make it easier for me and my wife to get on the property ladder. Are we able to release money in the house so that we can buy our own house? How easy is this?
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Tenants in Common - House Sale
Good morning, Hoping some of you very knowledgable people can help. I have spent a lot of time researching online but I can't find the answer anyway. My ex partner and I bought a house in 2005. Long story short, I have lived alone in the house since 2015 (but we split in 2008). I agreed to buy her out, part cash sum (fully…
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ltv increased since 2009
having swapped at end 5yr fix to 2yr fix ive since been advised my home is valued@52k i purchased at 65k 2009 mtg was 85% ltv 15% deposit using natwide hpi calculator I thought this year i was 62.5 ltv approx new natwide valuation rules advise the re avaluation is 52k approx what i dont understand is how can the purchase…
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Mortgage in a house that is having garden sold off separately
Evening Wondered if anyone can help! We have put an offer on a house which has been accepted, it's needs total renovation! Due to other circumstances a small section at the bottom of the garden which has planning permission is going to be sold separately which suits us and the vendors have confirmed that they will discuss…
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Will this effect mortgage offer?
Hi all, Received a mortgage offer from Nationwide yesterday. However something I have overlooked is that Barclaycard are planning to increase my credit limit by an additional £1,500 as part of an account review they have conducted, not a limit increase that I myself requested. The card is always paid off in full. My…
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Using personal loan to pay off second mortgage
Hi, hope someone can help. I noticed when checking my online banking, that there was a loan offer of 3.1% for loans up to £25K. This is the approximate remaining amount of a second mortgage I took out about two years ago. Repayment on a loan would cost about the same amount per month, but would cut the repayment term from…
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Halifax application survey fee
Hi guys, just wanted to find out does Halifax ask for survey fees to be paid up front with application?
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Will mortgage amount reflect equity in second property?
Not sure if I've worded the heading correctly. We have a property we live in - which is mortgaged. My parents recently passed on so now I have their property, too - no mortgage. I want to move, so initially thought I would have to sell my house and my parents' house, combine the funds and buy something new. BUT I'm having…
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Mortgage with a settled Debt Arrangement scheme
I have a settled DAS however six years has not passed since it was set up (Sept 2018). Are there any lenders who will consider me as part of a joint mortgage application? TIA
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Advice Needed Applying For Mortgage
I am now looking to apply for a mortgage but not sure if my outgoings will affect me. I am looking to apply with nationwide for a AIP as they accept Tax credits as income. I get Tax credits weekly of £200 which I always withdraw regularly weekly for normal living costs. Do I need to provide this information on my mortgage…
