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Mortgages & endowments

Archives for June 2018

Mortgage rejected at valuation - what now?!
Hi all, We've arranged our remortgage with Santander via a broker, and it was all approved subject to valuation. Guy came round, all seemed fine. Got a letter today that stated "a significant part of the accommodation is below ground level with inherent issues of rising and penetrating damp. As a result future saleability…
Moving house, leaving military and mortgages
Hi everyone. So, I'm looking at leaving the military, which means I will have a 12 month notice period. I want to sell my house but transfer the mortgage to another property - as I'll be moving a few hundred miles away. The property is solely in my name, not my wifes. I am going to be taking a paycut for the job I will…
What mortgage??
Hey all, long time lurker here. Looking at buying a new property and need some mortgage advise. Property is circa 325k and needs some updating. Would like to build a large extension to 2 sides of the property (rear and side) planning dependent. I have circa 150k capital / equity to put into the property. My current plan is…
Can I get a mortgage with one payslip?
Hello So I am due to finish uni in December and start my new job as a registered nurse in January. My husband and I already have a mortgage and we would like to move as soon as possible. Am I like to be accepted for a mortgage If we apply in February with one of my pay slips to prove my part of the income? Also any ideas…
Natwest mortgage tracking
Hi Anyone know if you can track a NatWest mortgage through NatWest tracking if going through a broker? Broker has own tracking system that isn’t great and very basic. Broker company is a mortgage factory so I’m aware my MA probably deals with many cases simultaneously and don’t want to look like the crazy woman and keep…
told remortgage not an option
Hi all, This is tale of complete stupidity.Over the last couple of years I have racked up credit card debts of £17000,loans of £29000 which have no defaults & paid on time,plus I have £12000 of debt currently being paid off at £50 a month through debt collection agency (which because is over 6 years old doesn't appear on…
Help to buy: mortgage guarantee
I’m 2015 I purchased my first house using the help to buy mortgage guarantee scheme, a scheme that is no longer available. I have recently been looking into the possibility of moving in the next few months. I am wondering if the help to buy mortgage guarantee scheme I participated in will impact on the possibility of…
Nationwide mortgage- is this timeline possible?
Mortgage application went off a few weeks ago, house isn't yet ready for sale as it's being refurbished, the keys will be with estate agent a week today. The valuer won't book the valuation until the keys are with the EA (which is annoying). Timeline wise we've been hoping for valuation w/c 9th July, exchange contracts…
Employed and self employed joint mortgage
Hi, was looking for advice on the following.. Me and my partner are looking to get our first house, I am in full time employment earning 20k a year. My partner is a self employed mobile stylist, and we have a £10k deposit, now heres the tricky part. Her finances have been “reduced” to minimise tax since she started trading…
Nationwide 10 year fix vs. Santander (mortgage renewal)
The time has come to renew my mortgage deal. I'm looking for a fixed rate without fees. My LTV is 69% and I'm currently paying £278. The standout deal from my current provider Santander is their 5 year fix at 2.39%. I'm trying to decide whether to take that or move to Nationwide for their ten year fix at 2.79%? Is moving…
Life Insurance
Hoping someone could help. We are due to exchange contracts next week so looking at getting our insurances in place etc. We are pretty much covered on the Building/Contents as get a discount through my wifes work but up until we parted ways with our broker he was helping in the Life Insurance aswell as a Mortgage. Long…
Aldermore Lending Criteria
Interesting one.. Just been on the phone to Aldermore, I wasn't convinced by the guy I was talking to.. I have three defaults going back to 2014, so 4 years old. Satisfied around June 2016. They say that because there has been activity within the last 36 months, I won't fit the Criteria as below. 0 recorded in last 12…
Young First Time Buyer
I'm looking to buy a house in the next few months, I have about 20k saved for a deposit and my parents are going to pay half towards the house and I'll pay them back as I have the mortgage off. The house I'm looking at is about 140k but I'll only be earning about 13k next year as an apprentice and 2 years left on the…
Older First Time Buyer
I have asked this question before but the thread dropped like a stone, so I'm hoping someone may see it who can help. What are the options mortgage wise for First Time Buyers in their fifties?
Mortgage Advice Bureau
Hello, Does anyone have any experience with the Mortgage Advice Bureau. We were recommended them by a previous new build company as an independent service for a mortgage broker. We have since decided against that house and are looking to progress with a new build elsewhere but wondered what peoples thoughts were. They told…
Joint Proprietor Sole Borrower mortgage?
Hi all, Does anyone know of a lender that will do a joint proprietor, sole borrower mortgage? 8 years ago, my husband and I bought a property 50/50 with my mum and she lives with us in an attached self contained annexe. We're all on the deeds and the current mortgage has us all named, even though my mum doesn't contribute…
Charge on house
I have a charge on my house which due to a divorce agreement needs to be paid soon. Before I transfer any money over what legally do I or the recipient have to do? Thanks.
Can I pay my mortgage with a credit card?
As title really. Is there anything stopping or hindering me paying my mortgage with my credit card?
Which mortgage? 3 Years and ~40k
Hello all, Our current mortgage deal comes to an end this October. The plan is to put in some instant access savings which isn't currently earning much interest in reducing the mortgage to about 40k which in affordability terms we could pay off in 3 years. I had looked at a 2 year term but would rather not be too stretched…
Mortgage - New Business Advice
Hi, I am currently in the process of starting a new business (Ltd Co, 100% ownership), and this requires us to relocate. Unfortunately our house is taking a little longer to sell than planned - the original plan was to have the new house and mortgage sorted before I left my current job in order to prevent any issues with…

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MSE News

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Mortgages & endowments

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