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Advice on mortgage with a history
Hi folks, first time posting so advice is welcome. Hoping that someone can offer some advice regarding getting a mortgage whilst having/had a poor credit background. A few years ago I ended a relationship where I ended up in debt, which through speaking to the bank (not sure if its relevant to name the bank), they closed…
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Further advance on mortgage question
Hi, This is quite a general question, me and husband bought a house 2 years ago. We bought it for just under £150’,000, and put a £45,000 deposit. We always wanted from the start to add a brick built conservatory to use as a dining space. We decided to do this after 7 months of owning the property, we spent £20,000 on a…
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5 yr Old missed payments - Help!
Hello! Myself and my partner have just had an offer accepted on a house Yay!! We have an agreement in principle for a 60% mortgage, and we’re lending towards the low end of what they have offered us. I was just checking through my Noddle credit report and noticed some old missed payments on an EE account from 2013. The…
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Full application via broker, confused at short time steps.
After spending a couple of months trying to find the right place and dealing with some time wasters finally have had an offer accepted and kicked off the mortgage application process via a broker. I feel I've gained a reasonable understanding of the general process by reading the various threads here but finding things not…
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How to get Agreement In Principle quickly
I've just had an offer accepted on a property - the vendor is keen to complete as quickly as possible. I currently have a Virgin One mortgage (current account offset) with a facility of £30k (ie, the available 'overdraft'). I actually paid off the 'debt' 16 years ago. I now want to extend my facility to £100k (moving to a…
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Names Of Mortgage Lenders Who Don't Require Both Names On Deeds?
Hi everyone, I'm getting a joint mortgage but we only want 1 person on the deeds. I've heard there are some lenders who do this (Natwest don't I've just spoken to them). Does anyone know the names of the UK lenders that do allow for just one name on the deed? Thanks
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Mortgage without any agreement attached
If there is any equity in a property and a deposit paid, if there was no agreement made prior to purchase could the equity be split 50/50 if one individual paid more of the deposit?
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Useless mortgage broker- what to do?
Hello guys, i dont know what to do with my broker. She is from agency, as well as solicitor. My offer been accepted 3 weeks ago and almost 3 weeks ago I sent my ID, payslips, bank statements and address to my mortgage advisor, she promised me to email some mortgage offer that i can choose what I want and then silence. She…
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Electoral Role
I have tried searching but cannot find anything on here. Short summary is we after a long drawn out process have just got an AIP with Halifax due to clearing a large amount if debt which was all going fine. However we are using the HTB so getting a 75% LTV but our broker has just come back and said as when he inputted our…
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Santander declined AIP/DIP
Could it have been because the outstanding credit card balance on my credit report is showing as more than what was keyed into the AIP application? £2000 has been paid off (over a month ago), but credit report has not updated yet and still shows the higher amount outstanding. The only other thing is 1 late payment, 7…
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Mortage with DMP / IVA about to start
Hi there - We are going to arrange to speak to mortgage advisor and I will be contacting my Debt management company about this all soon but wondered if anyone could offer advice. We are married with a young son. My mother-in-law is looking to move after selling her house (on the market atm). She has paid off her mortgage…
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Equity Release Qualification?
Just wanted an advice from the fellow brokers. Has anyone got an experience doing an equity release qualification as I understand there are a few such as CeRER through IFS and also one done through CII. I understand CII gets you 50 credits towards diploma not sure if IFS one does the same. Also not sure if one is generally…
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Mortgage Expiry Dates
Hi all I'm currently buying a house from a new property developer. It's not a new build, the current vendors have part exchanged this house for a new build. They accepted my offer based on the fact that we exchange within 28 days and complete in roughly November (depending when the current vendors new house is ready).…
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Valuation and Homebuyer's
My broker has submitted a mortgage application on my behalf to Natwest. It seemed to require payment for the valuation fees and also a Homebuyer's survey. I thought the survey was something I had to arrange separately - is it normal for a lender to offer a valuation and Homebuyer's survey combo? If I want to purchase home…
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CIS subcontractor mortgage
Hello Myself and my partner are saving up for a deposit for a house and we are still quite a few months off yet (probably another 6 months) but I am trying to do research so I am well prepared as we get closer I am trying to find out which figures my partner will have to submit for our mortgage application. Most of my…
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Remortgage and credit score advice
Hi lovely people of MSE! I have some questions in regards to remortgaging, as our current mortgage deal will end in September (and as we were first time buyers, we are still somewhat new to all this). So I'm hoping I can get some help here! :) As I said our deal will expire in September, so when should we start looking for…
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Mortgage in principle processed twice by same lender, first accepted, second refused
Having a melt down! Applied for Decision in principle with Nationwide a week ago, it was accepted. Since had offer accepted on a flat and went to continue on to apply for Mortgage online. The online form was playing up and wouldn’t let me add address information for the property I was purchasing. I called helpline who said…
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Nationwide - First time Buyer
Hi all. Looking for some advice, please. (Of course, I'm worrying a little desperate to buy our first home!) I'm a first-time buyer and going for a house just over £90k. I when with Nationwide via a broker Had a DIP the same day accepted. Then had a text a day later saying they have received our application, then 24 hours…
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Porting a mortgage to a different property
Can anyone help? We have an interest only mortgage taken out many years ago, before the 2014 stricter rules came in, on our marital home. We've never missed a payment, have a good credit history and there are no early redemption fees payable. We are now sadly divorcing. Has anyone had experience of a spouse (or ex-spouse)…
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Remortgaging with new applicant via help to buy
Hi, I am currently considering a mortgage via help to buy scheme via a 2 year fixed deal. This mortgage arrangement will be in my sole name however when I remortgage in 2 years time I would like the flexibility of adding my partner to the mortgage (we are not married) who is currently not in a position to obtain a mortgage…
