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Get me out of here...
I was lucky enough to receive a substantial amount of inheritance, which i used to purchase a house outright. The house is in an infamously bad area (hence the low price). My partner and i are desperate to start a family, but we do not want to have a baby in an area surrounded by drugs and anti-social behaviour. However,…
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Transfer of equity
My ex wife is trying to claim money on our property even though we got divorced 5 years ago now all of a sudden she's demanding money to come off the agreement so the mortgage will be in my sole name I need some advice please help even though I've been paying the mortgage for the past 10 Years by myself
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PRC motgages
Hi, I am currently considering the purchase of a PRC home. I have spoken to a few mortgage brokers and finance wise if it was a standard build house there would be no problem. But strangely everyone becomes very vague when it comes to non standard.... Very frustrating to get a solid answer. Anyway, can you recommend any…
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Lenders Who Only Use Experian
Guys :cool: I am needing to apply for a mortgage asap. Im a LTD company self employed contractor. Some details are incorrect on my Equifax and Callcredit reports. Experian is absolutely fine. I have only been contracting for 16 months and so the likes of Halifax wont touch me. I have written to the FOS to get the details…
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Are we first time buyers?
Hello! I've tried searching myself but can't seem to find a straight answer! I used to own a property which I sold, and me and my OH live together in a private rental house. My OH has never owned a property. We want to get a first time buyer ISA before the cut off date but depending on which website we look at, 1 - We're…
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How does remortgage process work?
I am thinking well ahead of myself. I am completing within a week as FTB with a 2.49% mortgage on 90% LTV on a 2-year fixed. Two years from now, I will probably be looking for remortgage and hence wanted to know is there anything I need to do or understand so as to get good mortgage rates (subject to market conditions at…
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Have your say on rent as evidence that people can meet mortgage repayments
Do you think lenders should use rent payments as evidence that people can meet mortgage repayments? MPs want to hear your views on a petition calling for paying rent to be enough proof that people are able to meet mortgage repayments. The petition reads: “Make paying rent enough proof that you are able meet mortgage…
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Contractor Mortgage
Hi, I'm into my second year working as a contractor. There is a good chance that I'll be purchasing my first home within the next year and I want to see what is expected for me as a contractor. I've got approx. £80k in savings set aside for the purchase - although by te time I get around to the actual purchase I'd hope to…
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Santander Endowment Mis Selling
Santander Endowment Mis Selling Hi, Trying to claim mis selling from Santandericon ( bought as A&L mortgageicon 1991). I have completed a questionnaire, they came back with it was another company who sold me the endowment, on submitting a request to them, they say an agency worked in their office, it has now…
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Mortgage + proof of income
Hello all, I have a quick question - my OH and I are looking to buy a property in the next few months, we have a reasonable deposit saved. I was wondering how lenders assess stable income, I am taking up a new position in the next few weeks and my OH has just secured his first job post-university. Would our switch in jobs…
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Husband had excellent credit but mine is bad - can we get a mortgage?
Hello - first time poster here! Situation is this: We are looking a buy a house with Help to Buy. Husband has a very good salary and could afford to finance the mortgage on just his money. He also has an excellent credit record (checked on Experian). However, I am not currently working and my credit record is Very Poor…
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Principality building society
Does anyone know how long it takes to get an offer through? Papers sent a week ago, survey done last Wednesday!
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Remortgage with defaults
Hello Situation is as follows and would like people's thoughts or advice. We have a mortgage with a normal high street lender. Our current loan to value is about 52%. It's about to come off a fixed rate to svr. We desperately need to extend as 4 of us live in a tiny house and the kids are getting to old to share. The house…
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Mortgage and Credit Score Question
Hi, I have a quick question re the impact on my credit score/mortgage eligibility if I open a new credit card account and cancel my current credit card account. For background, I am planning to buy my first home within the next 6 months (with the help of a mortgage) however, I have realised that the 0% introductory period…
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Remortgage - Nationwide Or Yorkshire BS
Hi We are looking to remortgage to pay for an extension. Current mortgage with Nationwide. We currently have a mortgage of 83k We would like to borrow 50k House value at present 260k I have looked at the Mortgage Best Buy Comparison tool on here and a couple of contenders for 2 year fixes (over 15 years) are: Yorkshire BS:…
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Morgage illustration
Hi I feel very stupid. My morgage advisor told me I had a decision in principle. Anyway I've been looking at properties and found one and because a no. Of offers are in the estate agents have asked for firm offers ie offer and copy of decision in principle and proof of deposit if applicable . Anyway my morgage advisor on…
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Morgage query...
Hi We have received a morgage offer in the post which is really good....but I noted to the morgage adviser that i had oustanding debt on 2 credit cards and a loan that would be paid before completion. The loan is due to be paid on or just after through personal savings and i will be making a substantial payment to 1 of the…
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Help to buy with reasonable deposit.
Out of interest we have been to look at local new builds which we like the look of (but obviously need to fully research area, compare sizes to current house when tiny show room furniture has been used, knock on current residents doors to query build quality etc.). They are being offered on the H2B scheme. I believe that…
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Are Shared Ownership mortgage rates higher?
Hi, I'm looking at purchasing a shared ownership property and wonder if anybody could give me some idea of the rates payable. I know when I was talking to my broker about an open market purchase, he was saying rates were up to 2.6% (for my situation) but I seem to recall something from the past that SO rates are higher. Is…
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Mortgage Soft Search
Hi, after a few years of having a low credit score I have been able to get mine and my Wife's scores back on track. We have no defaults or ccj's but the last arrears shows until January this year when we were able to bring the account back into good order and resume normal payments. I have carried out a couple of mortgage…
