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Mortgage for renovations
Hi all, after as much advise as possible please. A few years ago me & husband were left a house, it was in a bad state of repair, damp, no heating only coal fire, old electrics etc. We sold our house and paid off our mortgage and used the money we made to put an extension on, new windows, doors & sort out the damp problem.…
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The wait is killing me! FTB
Using a broker agreed a DIP with Natwest 3/1/18 application submitted 5/1/18 latest payslip forwarded as only just received 10/1/18 survey completed and came back ok 11/1/18 Natwest have wrote to employer for reference to sick leave in December to confirm I am back at work So now I’m just sat here in limbo with no further…
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Getting a Mortgage with partner - me awful credit history, her perfect
My partner and I are considering buying a property together at some point in the next couple of years.. I have awful credit history, whereas hers is probably about as perfect as it gets, and she owns a property from before we met. What are our chances of getting a mortgage? Will they ignore her history because of mine, or…
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First time buyer, Zero hours
Me and my wife looking at buying house in the next 3-6 months, we a deposit ready to go. But my wife has now become very worried that we won't get a mortgage, as she is on a zero hours contract, what to honest actually works very well for our current lifestyle whilst children are young. She keeps reading articles saying…
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Removing my Ex
Some advice, my ex-partner and I split around 7 years ago. We had a joint mortgage, I put in £85,000 which I can prove as it was from my old property solely in my name but no declaration of trust. We did however have it on the deeds that I own 67% he owns 33%, Property was bought for £250,000 now worth £270,000, I have…
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Paid RBS for full building survey - got a valuation
We're moving and porting our mortgage with RBS, they gave us the options of surveys and we opted for the full building survey so that we had a full picture of what we may need to do to the new house. The survey was carried out on and the vendor's agent let us know that the surveyor was in the house for under an hour. On…
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Interest only mortgage
Hi, Is it possible to get an interest only mortgage again? Our current mortgage is about 175k on a property worth 450k and we've got 13 years to run. We'll be getting some inheritance in a few months so mortgage will be down to about 125k I reckon. My wife earns roughly 55k at the moment. I've taken myself out of the…
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mortgage surplus
hi everyone quick question - we have had our offer through but there was couple of things I just wanted to ask we will have a surplus once existing mortgage is redeemed - the mortgage questionnaire I filled our for Enact says that the payment of surplus will be by electronic money transfer - is the same as Faster…
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Advice on whether to sell/rent out and second property!
Hi All, We are really in need of some advice on our current situation & seem to keep going round in circles about what is best to do. We own a house (A) in Surrey (4 bed semi detached) worth 575k, mortgage of 350k. However we would like to relocate back up North to Yorkshire and have seen a house (B) we love/want to buy at…
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Financing international (EU) property
I have a 1 bedroom flat in Germany which I purchased from my father in December 2016. The legalities have been finalised and all is in my name, and we have a private agreement where I repay him £700 a month for 5 years in payment on 0 interest. This has worked well for the last year, however I'm thinking about creating…
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Buy to let mortgage for first time buyer
My boyfriend and I live in a house that is provided by his employer. We do not have to pay rent, council tax, water rates or for heating oil in this property. We are desperate to get in the property ladder but we have to live in the employers house for my boyfriends job. Would we be able to get a buy to let mortgage even…
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First Time Mortgage
I was in touch with my broker today regarding my first mortgage. Got offered a few quotes on various mortgages such as HTB and 10% deposit but found most of the results were more expensive than prices I managed to find myself. Now is this likely because the broker is steering me towards mortgages that I’m likely to be…
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Will being a student affect my remortgage later
Hey. Thanks for taking time to read and trying to help. My partner and I bought our home in Nov 2016. We are fixed until this November. We always assumed we would remortgage and try get a better deal. I want to enrol to start teaching training this year, in September. Which would mean quitting my job. Getting a student…
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Natwest Mortage Time Scale
Hi I’ve just submitted a mortgage application with Natwest via a broker today 11-1-18 Just wondering how long it usually takes to here something back? I’m so impatient! Thanks:rotfl:
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credit file concern
Hi, i've got a chequered past when it comes to my credit file. I'm looking to take a mortgage out in may/june time. I'm on £38k plus small bonus, full time employment and £2k of credit card debt which i hope to clear off by end of feb. By may / june im hoping to have £15k of savings for a deposit. However i have checked…
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Remortgage Solicitor / Legal Costs
Hi I am just doing a re-mortgaging of house. Its a simple moving from Britannia to Nationwide I got a quote of £483 to do the legals from Nationwide - is this competitive? I have never remortgaged before
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Chances of mortgage?
Long story short, have mortgage in current house, in position by end of month to pay off entire mortgage plus credit card, loan and store card debts in full. We are looking to upsize asap and have seen a house that has been in the market for a while that is the ‘perfect’ house. Slight problem in the fact partner was signed…
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Declined proceeding with a Mortgage as partner had unarranged overdraft usage of £8
Hey guys, First post and first time buyer, We have just a telephone conversation with someone from RBS about an application for a mortgage and we were declined as my partner had an unarranged overdraft usage of £8 which was for around 2 days in November last year which she said would clear by march but the house might be…
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Remortgaging with poor credit score
Hi I am looking for advice as I want to remortgage but when I tried it was declined when they did the credit checks so I am wondering if I can with poor credit score
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Additional Borrowing after payment off mortgage
Im after some advice as I can't find any info online without speaking to lenders. I paid of my mortgage quite some time ago however we would like to do some building work on our home and for that we would need to borrow some money (approx £40k). Loan interest rates for this amount is quite high so we wondered if we can…
