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Became unemployed while on mortgage, can I pay it off?
Hi there, I’m on a fixed term mortgage due to expire in around a years time, and recently became unemployed. This is unlikely to change between now and the mortgage expert date, and I have continued to make payments out of my savings. Once the term of my mortgage is over and I switch onto the higher rate with my lender, am…
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Halifax mortgage application
Hi guys We submitted (via a broker) an application for a Halifax mortgage on Wednesday the 18/4 and the fee for valuation was taken straight away but we have still not heard anything in regards to when the validation will take place. Is this a bad sign? Looking at other peoples posts they seem to be notified when the…
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Endowment PPI Checks
hello all, Took a Bradford Bingley endowment Mortgage but can't recall if i paid PPI or not? How would i check? TIA
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Adding to Endowment
Hello. I have an endowment, which is 20 years gone, other 5 to go. It was originally attached to my mortgage, but I've long since changed my mortgage to a repayment and also started increasing mortgage payment amounts. There is now a high probability that my mortgage will be cleared in 5 years, but even if it isn't, the…
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Received someone elses letter by mistake
I make regular overpayments on my mortgage. My mortgage provider write to me every month to tell me that my latest payment was received and applied. I recently received this months letter, which also included a letter to someone else who had made an overpayment. The sender has obviously printed both letters to be sent and…
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Self Employed - existing mortgage
Hi all, I would be grateful for your help: My wife and I are 1 year into a 5 year fixed mortgage with Santander. I am about to leave employment and become only self-employed. (I've been doing self-employed work for a few months while also working in standard paid employment). Do I need to inform Santander about this…
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Mortgage mis-sold to retired pensioner
Please help: My father is currently 85 and in/out of hospital with illness. He wanted to carry out much needed renovations to his free hold property few years back and asked for help, we (children) did not have much income and as a result my father got my eldest brother to go to the bank on his behalf (to some adviser he…
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Clydesdale mortgage application
Hello all, I hoping to get some advice on a mortgage application with Clydesdale bank. I am a first time buyer and have application for a 95% mortgage, which is taking a little longer than I would of hoped (5 weeks). I have used a broker for the mortgage application. My credit rating is 948 in Experian, although just over…
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If declined twice for debt consolidation what next?
Hi Just wanted to ask what the next options would be if declined twice for debt consolidation remortgage - (agreed in principle 2 hard credit searches carried out applied via broker) haven't applied to our current lender yet as it was looking cheaper to remortgage elsewhere - My questions are how long before we could apply…
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Lloyds Bank mortgage
I've been trying to find the lending criteria for Lloyds Bank mortgages but I can't find anything. Does anyone know if there is such a thing? Thanks.
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FTB £480k mortgage - too big?
Hi All, I was hoping you could provide me with some objective advice/opinion on my situation, which is as follows. My husband and I are both in our early 30's, both have good jobs in financial services industry. He earns about £55k pa and I £45k. We both work for big multinationals so there is little risk of the company…
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Remortgaging Help to Buy
So I bought a house using Help to Buy in December 2013 so my 5 year interest free period is ending in December of this year. However my current mortgage fixed interest (With Halifax) is ending 31st July this year. The full remaining term of the mortgage at that point will be 30 years and 6 months. I'm thinking of…
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Mortgage on Tier 2 -4 and half years remaining
Hello, I have 5 years Tier 2 general visa and been living and working in UK for last 6 months. I went to Lloyds bank which originally gave me an "agreement in principle" for a certain amount. 5x(my_yearly_salary). I found a home and put in an offer which got accepted. However, today when I went to the bank to make the…
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New Build Question
We are looking to buy at somepoint in the first quarter of next year (all being well). We are looking at a new build, when would be the best time to start to visit new build properties. We wont have the deposit until around December this year, so im guessing we cannot reserve a property that is being built with the…
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Are you a first time buyer or looking to buy your first home?
Can you help with my research, please? Looking to speak with people in West Yorkshire, West Midlands or Bristol/Bath/North Somerset/Gloucester area who are looking to buy or have recently bought, say in the last two years. Want to talk about how, what, where and when you bought and the decisions made and if shared…
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Moving home - removing wife from extra borrowing
Hello My wife and I recently remortgage our home but are now looking to move (sod's law). We have been told by our bank Sainsburys that we can't port our mortgage until our existing mortgage is 6 months old, even though we have been in the property over 6 years. Anyway, my wife has recently stopped working and so has £0…
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Annoyance with HSBC online
hi all Trying to complete application for further borrowing, get to the personal quote screen and keep getting told 1 error, please enter a valid amount for the additional funds you wish to borrow Tried to enter 5000 5000.00 5,000 and none of them don't generate this error. Tried on both IE and chrome :-) what a…
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Buying out Brother..
Hello Myself and my brother own a 50%-50% stake in a flat,. I moved out 3 years ago and he continued to pay the mortgage. He now wants to move to a new house but can only afford to raise a deposit by selling the flat we own. I don't want to sell as I want to rent it out as an investment. We paid £160k Estate Agent has said…
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Help 2 Buy Equity Loan
Hi everyone, I've been reading the forums for years but this is my first post so hopefully i've posted in the right place. I'm looking to buy a new build property this year using the Help 2 Buy Equity loan, I've had an extensive look at the non new build properties locally to me however my requirements for location (being…
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Mortgage with RBS/Halifax....if we switch mortgages with them do they credit check?
Hi, We have a mortgage with halifax currently on SVR. We want to reduce the amount of our repayments each month so are considering ringing them and asking if they have a better mortgage for us we can switch to. We have less than one month's arrears which is really old and are repaying slowly. Our credit is not good due to…
