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Skipton Mortage
Hello all, Back in early mid 2000's I remortgaged with a broker who offered a mortgage that was attached to Skipton but for someone with a less than perfect credit score. I can;t remember the name of the company that the Mortgage was offer by just that it was part of Skipton, as this is tied a PPI claim they are not overly…
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Discharged bankrupt
Hi do mortgage lenders go from the date of the bankruptcy order or the date of discharge? I’m getting confused with if Its best to apply after 5/6 years from the order of discharge date! Thanks
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Getting a Mortgage - Post IVA
Hi all, looking for a little advice if anyone can assist or point us in the right direction. Our IVA finished in December 17 its recorded on our Credit File as, we have certificate to say its completed. We are wanting to sell our apartment to a family member, who are willing to clear our mortgage balance off (we bought in…
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Applying for mortgage on maternity leave
Hello, Has anyone recently applied for a mortgage whilst on maternity leave? The home my husband and I currently live is in my name - i.e. I am the owner, mortgage in my name only. We'd like to move to a bigger house and get a mortgage together but I will soon be on maternity leave and wonder if this will jeopardise our…
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Mortgage 4 Self employeed & director of a business
Hello Me and my partner are looking to buy our first home, he is self employeed and a director of a business and in April it will be a year the business has been running! His business has been running great & had non stop work! I am full time employeed working in a pharmacy! Do you think we will be able to get a mortgage…
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Aldermore - Deposit
Hi, Wondering if anyone else has had an issue with this. My partner and I have applied to Aldermore through a broker due to me having 2 defaults due to come off in 2020. We are trying to buy my grandmothers house who passed away in November who i was very close to. I have spent time building my credit report, i have a…
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HSBC nightmare mortgages
HI all, Having a nightmare. Desperate to get my mortgage. Applied 19th January with HSBC. Still waiitng for final approval. Every time I ring up they tell me that there is another document they need. FInally all sorted now-but only because I have chased them. It seems to be an Indian call centre and each person has a…
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Discharged bankrupt and mortgage with Halifax?
Hi im 5 years discharged this month. Has anyone had A SUCCESSFUL mortgage with Halifax? I’ll have a 5% deposit thanks
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Online switch with Halifax
Hi guys ... after my last post I have now decided on a 5 fixed rate switch with Halifax and £200/month overpayment. So I'm looking for anyone who has done an online deal switch with Halifax, my current deal states fixed rate until 31st may but I know I can switch 3 months prior. I think this takes me to 1st march but I'm…
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Remortgaging After Home Improvements
Good morning I hope this is the correct board to post this in. We recently purchased a house which needs an extension plus extensive internal modernisation. We plan to focus on the extension first and do the rest at a later date. We will add two bedrooms and a bathroom as well as possibly a garage. There isn't anywhere…
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Mortgage after Bankruptcy
Hello, We were discharged 2.5 years ago and have managed to save a £50,000 deposit. Would we be able to secure a mortgage now or is it best to wait another year. Would it be advisable to use a broker too when we do! Thanks.
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Can I even remortgage ... with my husband?
Help....??? I have an interest only mortgage with a relative. The relative is happy to be removed. Mortgage is for 67k and it is for sale for 74k (only 7k equity)! I want to get a mortgage with my husband who currently doesn't have a mortgage. Can we remortgage, e.g remove thevrelative and add my husband. It will of course…
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Employment status and affect on Mortgage chances
Good morning, hoping to get guidance from you kind Brokers that use this forum. I have been searching for information on my situation but have not returned any definitive results. I am currently self employed and have been since almost the start of this Tax Year (Apr 9th). In the next month or two I may be moving into zero…
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Help getting a mortgage.
Hi all. Over the years I’ve been pretty bad with my finances. Now I’ve decided to sort it out and work on my credit rating. I checked on this site regarding a credit card and I’ll probably get refused due to a recent CCJ. I understand this will take time to get right and I’m willing to take the steps necessary to get a…
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Chancesof getting a mortgage?
I am a former homeowner from my last marriage. We had debts that were secured against the house and when i left the house she sold the house and told me that all debts were sorted. I have since found that i have existing debts from this that were not taken care of. I am now looking to get a mortgage in my new marriage and…
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Moving a mortgage
Hi. We're 3 & 1/2 years through a fixed rate mortgage at 3.59%. Considering on the market there are deals at 1.09% my feeling is we should move mortgages now and take a different offer. We have approx 80k left on a 130k mortgage with a house valuation of approx 250k. My current lender has said the early repayment charge is…
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Remortgage to pay HTB Equity Loan
Hi guys, so I'm thinking ahead (mid-2019) when our HTB equity loan 5 year interest free term finishes. I hope and intend on remortgaging the funds to pay off the HTB loan, affordability and the LTV will be fine... My only question is will this have to be done as a '2nd mortgage'? i.e. I pay ~£125pm extra alongside my…
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Gifted Deposit query
I am just starting the process of buying a house. My wife had an arrangement over quite a few years to pay money into her mother's bank account as a way of saving as we were struggling with a budget and having it buried away like that prevented us from touching it. yes, I know, it's a bit bizarre but then my wife has her…
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Help please! First time buyer! To broker or not??
Hi I have the option to buy my flat under the right to acquire scheme. I have been living in my property for 12 years and have been offered the flat for £129000 from Hyde Housing Association. Does anyone know if the offer is negotiable? Also, I am a 32 year old single buyer. I have 10% to put down and hoping to find a good…
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Holiday buy to let
Hi , We are looking to buy a Log Cabin which is freehold in Scotland , but are struggling to find a willing mortgage provider . Has anyone any suggestions of providers? Thanks
