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Using 2 help to buy ISA on one mortgage
Hi all? I was wondering can 2 help to buy ISA's be used with the bonus if only 1 applicant is appliying for the mortgage? Reason being my partner is looking at the mortgage but I have bad credit so therefore won't be applying for a mortgage with him. Any help would be great, thank you
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Extension - release equity or remortgage
Hi, I have a question about funding an extension. I have a 4 bed detached worth about £280,000 with a mortgage of about £150,000. We have been toying between either moving or extending and have settled on extending and would like to do work totalling £40,000. Our mortgage is coming to the end of our current 2 year fixed…
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Mortgage fixed rate ending - now self employed
Hi My husband and I have had various fixed rate repayment mortgages with Santander for over 10 yrs (prev A&L). The most recent 3 yr one is coming to an end soon. 6 years ago husband became self employed, he also employs me so we are both reliant on his wage effectively. If we tell Santander, is this change in status likely…
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Second Residential Mortgage
Hello, I'm looking for a second residential mortgage (no BTL involved - both properties to live in), I'd appreciate any feedback as to whether this look straightforward: Applicant 1 * Salary - 96k * New job so 2 months into a 3 month probation * I already own a property (This won't be sold) valued at 370k with 35k left to…
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Wrong service charge amount - what happens now?
Hi all, My mortgage with Natwest has been agreed subject to valuation on Wednesday (happy days!). However, when I rang up my estate agents yesterday they mentioned that the service charge and ground rent will total £1,190 annually, not £1,150 as I'd previously been told. Since the monthly amount of £96 was used in the Fact…
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Mortgage help six month rule
We’ve got an offer on our house and put in an offer on another property. However, the seller is a property investment company and is in he process of completing on 6 houses he is is buying from the developer, so as yet doesn’t actually own the property but missives have been exchanged (we are in Scotland) . We originally…
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Selling house before morgage term ends
hiya I am looking at selling my house the start of next year; my morgage however doesnt end until August 2019(Barclays tracker 2 year interest 2.1%). I won't be able to transfer my morgage to new house as my partner also has a house to sell ideally after mine(as his house is bigger so we can move into his and it would be a…
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Theft of personal belongings by Natwest
Quick run-down. Home re-possessed after marital breakdown and subsequent family law case. Made homeless for 3 weeks until found rental property. Old home had temporary shelter to store tools (self employed mechanic) Had been advised that i could store tools etc on property until sale of house by estate agent. six weeks…
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Mortgaging with same lender - ERC.
Hi, We are currently planning on moving house, but we are still within our 5-year fixed rate mortgage, which we will be subject to an early repayment charge of almost £10K to get out of. This is fine, we accept that we are getting out of our mortgage early, so the lender I going to lose money on the deal and have to recoup…
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Remortgaging: when to pay early repayment charge
Hello all, I'm remortgaging before the end of my fixed rate and will incur a 1% early repayment charge. I would like to pay this directly myself rather than adding to it to the mortgage. I want to avoid adding it to the mortgage if at all possible. My current lender is Platform/Cooperative and the adviser I spoke to…
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Ex partner and mortgage
After some advice for my partner. He has a joint mortgage with his ex girlfriend, two children together. She put the house up for sale last year and put an offer in for a place in December which got accepted. They had a cash buyer for their house and it’s pretty much sorted minus a few last searches.shes now pulled out of…
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Halifax AIP/No Broker Accepted
Hi, I know I'm going to get a lot of go through a broker. But after going through a broker, he came back and told me Halifax is my best option. Problem is before we even started the process I had an online AIP with Halifax for £244k. So I decided to go back and call Halifax myself doing another AIP today, they came back…
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Valuation report delay
Hello, just wanted to ask mortgage advisors in particular- our valuation was booked for tuesday but unfortunately nationwide have not yet received it.....is there a delay currently?
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How do you know this is the one?
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8 Hard Searches through mortgage broker-normal?
A few days ago I posted on here stressing over previously applying for a credit and in the month(last month) before we went for a mortgage. I've just checked my file now, to find 8 new credit searches on my file my broker must have done. They are two for DIPs, as my broker thought they could get a better rate than the…
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In last 3 months - still pay ERC to move?
Hi I'm in the last 3 months of my fixed rate mortgage deal, and my lender is now offering me some new deals as I am apparently now eligible to switch. If I actually choose to go to a different lender during this period, will I need to pay the Early Repayment Fee? Thanks, jra505
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Remortgage with Kensington timescales
Needed to remortgage. Contacted a broker who got a “aip” with Kensington. Submitted full application to broker last week, full application and requested documents sent to Kensington on Monday and received phone call to arrange to value the property 2 days later. Valuer coming Monday - is it a good sign we will get a…
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CCJ After mortgage offer
If a CCJ is issued after mortgage offer. Will the lender do a final check before completion? The CCJ is currently being disputed (it was for parking ticket and no letters were sent) Thanks!
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From offer acceptance to Mortage?
A house we are interested in is going to closing date on Monday... If we are successful how quickly do we have to have our mortgage in place. The reason I ask is my partner is CIS and our broker has advised we will get better deals/rates with the figures from his upcoming tax return (his accountant has agreed to have this…
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Advice wanted because I consider this is theft!
Very briefly the situation/facts are as follows: - 2001 my farther declared himself bankrupt due to some unfortunate business decisions - 2002 to clear off debts parents sold the family home - 2002 with the remaining equity from the sale of their home they moved to a smaller property with a small mortgage of £10k - 2003…
