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Santander Hard Credit Search
I have been been given a AIP from Santander and there is a soft search showing on my Experian credit file. Nothing on EQ or CC. When Santander perform a "hard search" do they use the other two as my CC file isn't great (pay day loan showing). Also does anyone know how long it takes from AIP to getting hard searched?…
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Repatriation and mortgages
Hi My husband and I returned from NZ in May after 6 years living there and now want to buy a house (offers over system in Scotland). However just spoken to mortgage team at Nationwide who have said that because we don't have 3 years UK addresses on our Flex account (changed to NZ address when we moved) we won't get…
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Buy to let mortgage- offset
Good morning Does anyone know of a provider for an offset buy to let mortgage. Details are Value 100k ish, ltv 50k ish, Want the offset bit to reduce payments each month, not to pay off the mortgage early Ie Offset 40k against it and pay interest only on the 10? Thanks
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Mortgage Packagers
Hey. My partner and I are in quite a complicated situation (mainly he’s not a UK resident) and we are working with a broker who suggests he’s found a lender who uses a packager. If (that’s a big if) we get an AIP there’s ridiculous fees to pay. The broker, the packer, the lender. Obviously I knew the broker and lender will…
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Deposit help
Hi there, I have been saving for a house deposit this past year and my dear nan has just announced she has been putting some of her pension away for me too. Whilst this is lovely I'm now in a position where I have 3 thousand pound in cash to put towards it. This is a great help and will mean I can start looking at houses…
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Advice on 2nd property please?
My wife and I currently have a mortgaged house and intend to buy a second property to set her son (my step-son) up in. It's a small flat with a £50,000 asking price. I don't anticipate trouble getting a mortgage for the amount I'll need but I'm unsure which I should get. The son will be claiming whatever housing…
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Mortgage advice - porting and keeping or new long term loan
Hi there, My mind is fried trying to work this one out so thought some of you guys could offer some advice. I've had my mortgage for 12 years, it ended up being one that became a tracker 1% above the base rate (HSBC Homebuyers mortgage) - which has been great. I've recently bought a new house and have always thought I'd…
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Broker advice - porting
Removed as no longer needed
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Difficulty between solicitor and lender. Help!
Conveyancing seemed to be going smoothly, but now my solicitor says there's issues with the mortgage paperwork. He says: 1) He wants in writing proof from lender my partner has received independent legal advice (as they'll be on the mortgage, but not title, to avoid extra stamp duty). The lender confirms on the phone they…
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Mortgage Overpayment or Pension pot Lump Sum pay off
Hi all i have been paying £200 per month extra off the morgate and am just in the process of changing my morgate for a better rate that will save me nearly another £200 per month. I initially thought i should just pay £400 extra per month off the morgage, but then i thought i would pay the extra into my pension so i would…
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When to chase solicitors?
We are remortgaging and are using a lender package for solicitors. They sent out a questionnaire and various bits to be signed and witnessed which was completed and returned 2 weeks ago today. I had signed up for their text updates so there was no need to chase them apparently. We haven’t heard a single thing since I sent…
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Northern Rock just sent me £12 - any ideas why?
I redeemed my Northern Rock mortgage many years ago, but out of the blue got a cheque for £12. Any ideas why? I've not had any reason to call them or ask for it. Such a small amount seems strange to have even sent it out.
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Advice on mortgage break
I am moving to the other side of the country in the next 6 months or so and need advice on which would be the best option for me: 1. Sell my flat, pay off the mortgage and re-apply for a new mortgage with a reasonable deposit amount once I get to where I'm heading (could be a few months break). Or 2. Take a week off early…
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Advice needed! Mortgage offer reduced
Hi I am due to complete the end of this week my mortgage offer has been in place since July. i was told yesterdaay then my mortgage offer is reducing by £24000 because of a credit search for car finance on 6th dec. My partner already has a car loan for £320 pm and we are p/x this car for the new car which is £299pm. If I…
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Fixed term ending
My 10 year fixed term ends in may 2019, if I have the funds available can I just pay off the remaining balance or do I need to get another mortgage. Thanks in advance. Regards,Chris
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Just started my mortgage application
So this is the most nerve racking time of my life so far Me and my girlfriend (soon to be Fianc! but sush) have so far had our mortgage in principle, found the new build we both like, put down a reservation fee and over the weekend sent both of our bank statements off (4 months) and wage slips (3 months) to the broker,…
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can an extra person be named on a mortgage if they are not financialy contributing?
Can an extra person be named on a mortgage if they are not financialy contributing? I wanted to add a good friend of mine onto the next mortgage I take out so they can have something behind them in a few years. However the person is a student and is not currently working. is this possible? Or would they have to have some…
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Declaration of trust query
Hi all I am buying a property with my partner as tenants in common as I have two children from previous relationship. I am solely putting down the deposit for the property but the mortgage will be in both names with both of us paying. Therefore I am taking out a declaration of trust to protect my deposit. However I am…
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latest list of s. 106 mortgage providers
Hello all, I have a s. 106 mortgage with the Halifax fixed at 2.64% until the end of 2018. I was wondering if anyone knows what other mortgage providers lend to s. 106 homeowners? When I bought the house a year ago, the broker I used said only the Halifax was lending back then. I obviously want to make sure I am checking…
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Can I Use My Equity
I have a house in my sole name that I have a £193k mortgage with 10 years to go on a 0.5% above base tracker that I self certified for 15 years ago, I'm cutrremntly paying interest only. I separated with my wife a couple of years ago and agreed she could continue to live there with my son until the end of the mortgage when…
