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Viewing Nationwide mortgage online
Just phoned Nationwide to ask but they didn't seem to know the answer. We moved our mortgage to Nationwide last week (3rd April) Whenever I log in to view it I cant seem to use all the functions. For example your meant to be able to set your overpayment preferences online but I cant. Also says a redemption date of January…
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My success story
I feel after reading so many threads from stressed out people that I felt I had to share my story and hopefully put some peoples minds at ease...here goes. We viewed a house on the 6th Feb 2018 fell in love with it so decided to put in an offer which was accepted...that was they easy bit now we had to find a mortgage.…
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Changing car before mortgage completion?
So I have a mortgage offer but will not be completing for a few weeks. I currently have a car that I got a personal loan for a few years ago. I want to sell that car, pay off the remaining loan and then get another personal loan to buy a new car with. Is it a bad idea to do this before I complete? Could this affect my…
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Advice on Remortgaging With a Lower Income
Hi all, newbie here :beer: I am looking for advice on our situation which is this:* Bought a house with £51k help to buy and £176,500 mortgage in 2016 on 5 year fix. * Currently overpaying by £220 per month with current overpayment sat at around £4,500. * We had our first child in 2017 and planning on another in 2019. *…
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Credit check after exchange of contracts
Hello all There have been many emotional ups and downs in the process of selling our current home and (hopefully) buying another one but we are worried that a late payment fee my partner recently received will scupper our mortgage offer. We already have our mortgage offer and are close to arranging a date to exchange…
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Lifetime tracker mortgages: why have they disappeared?
Hi all, I have a lifetime tracker mortgage since 2012. Quite happy with that. Changed it already twice as lower LTV meant better rates. I was now looking to change it again, only to find out that this structure is not available by my bank. Only two banks offer such structures with not very competitive rates. On the other…
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Slowly losing the will to live...mortgage advice needed please.
Hi All, We are currently in the process of buying a new build with Help to Buy. We started our journey in January with an independent (or so we thought) broker who told us he could help with the HTB. At that point we had 4 missed credit card payments from March 2017 (we then subsequently paid it off in that month and…
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Two mortgages?
Hello All, Newbie here looking for some advice. We have had an offer accepted on a house we really like and at the time the sale of my flat was going through nicely. Since then my buyer has pulled out which means my flat is back on the market. I have a mortgage on this property but at the moment I'm living with my partner…
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BTL Remortgage
Hi all Looking to remortgage one of our let properties and wondering if there is any issue going direct to the best buys i've found online, Virgin or Barclays, or whether we really need a broker. We (my brother and I) have 3 let properties Property 1, currently rented, value £380k, mortgage £51k with nationwide on…
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Borrowing for extension
Hi All I’m a newbie to this....but would really welcome some guidance In short my Wife and I would like to borrow approx £150k to further develop our property.... we have done a crazy amount of work on it already and have significantly increased equity. Bought at 75% LTV now down to 21%.... we bought the property 5 years…
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mortgage - is it hopeless?
Hi, I am now 39, and have struggled quite a bit financially in life. I have now paid off my almost all of my debts. I just have around 3000 left on one credit card, and am slowly paying it off - no overdraft, no other debts. But - no savings. My dream is to get a mortgage but I was hoping for some advice about my best…
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Remortgage
Hi My wife and I were recently refused a mortgage with accord (debt consolidation - via an all of market broker- fee payable upfront to broker refunded if they can't get us a mortgage). Reason given debt to income ratio too high (despite us paying off all debt other than mortgage and having 30% equity, which would live us…
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NATWEST Offer extensions now on new build offers
This has been a worry for us as our offer runs out in August, It now appears they are offering an extension of up to an additional 6 months for new builds https://www.landc.co.uk/insight/2018/03/natwest-introduces-extension-for-new-build-mortgage-offers/
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Second property tax Scotland
Wondering if anyone has any advice. I joking own a flat with my husband which is interest only and in around 10-15k negative equity bought for 92,500 would be lucky if I can get 80k if I sell it. We out grew it and so rent it out and lived in a private let and ended up using having to use credit cards to live due to…
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Disposable money use for Help to Buy mortgage
Hi All, I am probably getting a bit ahead of myself here as we are only just going through a HTB Mortgage application with Natwest and nothing is certain due to our current debt and past conduct but fingers crossed it all goes through so wanted to ask this question so I can plan ahead. If everything goes through we are…
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Interest only mortgage
Hi I am a regular on the B.R forum but think this question may be answered better on here. Interest only mortgage taken out in 2007 in my sole name. This was supposed to be renovated and let. Partner of this time did nothing and we split up. Declaration of Trust done in 2009 Now ex partner moves moves in and starts paying…
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Paying off a mortgage
Please does anyone know if banks will take an offer on a mortgage that is overdue for payment? As a Mortgage is a secured loan, is it worth asking whether they (the lender) will take less than is due so that the mortgage is repaid? I have had a mortgage with HSBC which was taken out with the old Midland bank and due to ill…
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Remortgage on a Help To Buy
Hi all, Just wondering, is it possible to remortgage on a help to buy after the initial fixed two-five year period to withdraw some of the equity to pay off other things such as car finance or do an extension to the property? or does the equity that's taken out have to go towards paying off some of the equity loan? Thanks…
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Remortgage advise
Hello newbie here. Myself and my wife’s fixed deal ends shortly, and the standard rate is 3.99 which we think is excessive, we don’t owe a huge amount currently (£45000 on a property valued at £340000) but are looking to upsize to a bigger property (up to the £500k mark) when we can find what we want (been looking 11mths).…
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Impaired Credit, No SA302s + Self employed ..... will I find a lender? LTV <70%
Are there any ultra specialist mortgage brokers on the site that I could enquire about a mortgage with please?
