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Nightmare ex, joint mortgage and kids involved
So... nightmare situation my boyfriend is in, we have been together for about 8 months now and he split up with his ex around a year ago. They weren't married but lived together, had a joint mortgage and have two kids ages 4 and 8. He left the family home and moved back to his parents and as we understand cannot sell until…
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Buying before selling???
Currently progressing towards buying a new property. This purchase does not depend on selling our current property as we have the funds for the deposit/ fees/ stamp duty. Our current property is up for sale, been on the market 40 days and had 5 viewings and one coming back to look again. Affordability wise i can afford…
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Redundancy looming - can we product transfer our m
Hi all Hoping for some pearls of wisdom plus legal know how please :-) Lots of ifs and questions - please help kind MSErs EJ
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Reducing mortage to 10 years and 10 yr fix.
Good afternoon everyone. I was wondering if people could share their thoughts on the following musing. We are a three months away from the end of our 5 year fixed with Britannia on a rate of 3.19%, paying £921 a month. It was taken out on a 20 year duration. Due to fault in tax and N.I, it turned out that my year in…
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Halifax online swap experience
Hi guys I just want to let anyone know that the Halifax swapping deals online is sooo easy :D It literally took 10 minutes and there were no credit checks or affordability checks. This was keeping the term and value the same but I do plan overpayments which should reduce it by 2 years :T Lisa x
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2x S&S ISAs in one financial year
In June 2017 I opened an S&S ISA with Hargreaves Lansdown. I contributed £50 per month for 6 months (£300) in VLS80. My dad then died and we came into inheritance. I instructed an IFA. He then opened another S&S ISA for me with Aviva in December 2017 I told him about my S&S ISA with HL. He said this was fine as not…
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Compensation - Bank of Scotland mortgage charges
Hi I have just received a cheque for £750 from BOS. I knew nothing about this cheque until it arrived. Just read the article 27.7.17 on here detailing how BOS are compensating £283 million to mortgage customers over mortgage arrears. Now I presume this cheque is for this? BOS bullied me for years after losing my job, then…
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Do I declare old debts?
Sorry, this is a bit long winded but I was hoping someone may be kind enough to offer some advice...I'm really stuck! I separated from my husband and am looking for mortgage advice. My credit report is clear and I have a high credit score. There are no defaults showing on my report. I was bankrupt back in about 2002 and…
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First time mortgage with own bank?
Hi, I'm hoping to take out a first time mortgage over the coming months, and am feeling a bit baffled with all of the information out there. I've been a customer at the same bank for the past 10 years+, and I was wondering if, because of this, I might be able to argue my way to a better mortgage deal with them, as they…
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Extending mortgage to buy leasehold?
Hi all So we!!!8217;re First time buyers, 18 months into a mortgage with the Halifax on a 5 year old leasehold home. We!!!8217;ve just been offered the opportunity to buy out the freehold from Taylor Wimpey but we don!!!8217;t have anything in savings after moving and starting to set up to do it. Total price including…
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Re mortgage - switch deals or stay put
Looking for some help Currently coming to the end of the main part of my mortgage which is on 2.34% £66888 Also have £22247 at 2.78 till Sept 2020 LTV 45% Have called Natwest to find out EPC which would be approx £600 Am I right in thinking I would be as well re mortgaging with a new provider considering the rates possibly…
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First time buyer and Newly Qualified Professional
Hi I apologise if this is not the right place for this thread but I am after some advice. I am a newly qualified dentist, and have a job contract for 12 months (6 months through it at the moment), salary £33k. The company have agreed to keep me on after my contract finishes in 6 months and I will see a pay increase. My…
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Re-fix mortgage or stick with BMR
Afternoon! It's nearly time to get a new deal on our mortgages and I wanted to ask if anyone had advice on the following: We have two mortgages on our property: 1. 13 years left to run, currently on BMR at 2.5% as when we moved 3.5 years ago it made sense to port this across rather than fix 2. 21 years left to run, new…
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Interest Only vs Repayment
Hi I am hoping I have only 2 MORE YEARS before I am mortgage free. Current fixed rate expires mid 2018 and is interest only (I have been either putting money away to meet the total sum due at the end or paying off the mortgage in lump sums now and then) THE BURNING QUESTIONS: Should I go for a 2 year fixed rate again or…
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Mortgage application and Sick pay
Hi all, I really hope someone can help me! We went through our mortgage application and the lenders have requested 2 years worth of proof of income, commission and overtime from both of us. Neither of us having been in our current jobs for 2 years. My partner has been in his since Jan 2017 and I started here in July 2017.…
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Old endowment and pension pot.
Hi I was wondering if anyone could give me a bit of their insight. I have owned my house with mortgage for almost 25 years, originally was taken out via endowment mortgage of 34500 and some cash to meet the buying price. but have since remortgaged with a slightly longer term for a part repayment and part endowment covered…
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Anyone completed with Halifax recently?
Hi, I!!!8217;m asking for a friend - she!!!8217;s completing her mortgage next week but just checked her credit report and their are missed payments been recorded for the last 3 months.. this is an old defaulted debt from 2009 which wasn!!!8217;t their when initial full checks were done.. I!!!8217;ve spoken to our broker…
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Broker or direct application. Which is quicker?
Morning All, So our current situation is thus: Middle of a fixed term with Virgin. Offer accepted on house, and M.I.P from lender received. We put the offer in on the house on 16th Feb. Called Virgin on 20th Feb for an appointment to sort out porting the existing mortgage and topping up. The earliest they could book us in…
