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Charge Against Property
Hi, I'm hoping someone maybe able to advise. Myself and my ex have split up, and my remortgage is really tight. She is saying I owe her an extra 2.5k, which I have agreed, but she wants to put a 1.4% charge on the property. My question is will my mortgage company have to agree to this? Many Thanks in advance
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NatWest Mortgage Application
Hi, I submitted a mortgage application through a broker to NatWest and received an AIP for 240k, 40k deposit. I then found a house for 217k and submitted a formal application with a larger than 10% deposit. I was asked for 3 pay slips. Today, after a week or so I have been asked to provide a further three payslips. Is this…
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Remortgaging from joint to single.... bad credit
Hi, its my first thread so please bear with me :) . I have a joint mortgage with my husband (since 2006) with NRAM :( desperate to remortgage as currently not a great deal. My husband has an excellent credit rating mine is very poor. We applied for a Santander mortgage in single name of my husbands, he passed AIP as…
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Is he a first time buyer??
Hi, i'm looking to buy with my boyfriend. i'm a first time buyer, he signed up to SOMETHING a few years ago where he pays towards his mums mortgage (hopefully we will get confirmation soon im aware this is important to know). I've heard the words home owner loan and remortgage but no one has said exactly what it was yet.…
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Checks before funds released?
Hi everyone Does anyone know what checks Halifax make before they release mortgage funds on completion? My partner may be given a company vehicle shortly (before we complete on our new build) and if he does his income will drop slightly as he will start paying tax on the vehicle. I understand that they (Halifax) will do…
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How can I pay off outstanding amount on my mortgage
I have just 3 years left on my mortgage and as it stands at the moment £50,000 to pay back. I became a single mum in 2005 and had to pay the mortgage on my own so went for interest only. I have now remarried but have no idea how we might pay this off other than selling the house worth around £300,000. Any advice?
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Help to buy remortgage issues
Hello, 9 years ago I purchased a flat on a first time "help to buy mortgage" with the intention of the property being my home and therefore purchasing it on a residential mortgage. I am now looking to remortgage as it is coming to the end of the 10 year term of the help to buy deal and I am having some issues in doing so -…
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First Time Buyer- further help needed
Hi, I've posted previously about a few questions but I'm not again confused... So we went and saw a plot and development with Miller Homes. We loved it and wanted to reserve, they put us in touch with First Mortgages and they approved us in principle. So we paid £500 fee as it's not being built until February 2019.. They…
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Postponement of deeds
I have a very complicated situation I am trying to remortgage my home which I bought from the council 2 years ago My mortgage is £127k value of my home £270k I am asking to borrow £150k I already have a secured loan for £40k on my property The council have agreed to postpone deeds however the secured loan company won't…
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Additional borrowing question
We are coming up to the end of a fixed term deal and would like to fix again. We would also like to take out some additional borrowing for an extension which would add significant value to the property. I called our lender and they said we can do it all in one go as 2 mortgages (and that would be on the total Ltv of both…
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M&S Bank
I was just wondering if anyone has been through the M&S mortgage application process? I'm only a week in and it seems awfully slow. I have a deadline of 27/7/2018 to complete on the purchase and was just wondering how long m&s took to do their part?
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Yorkshire building society - has anyone has had a mortgage with them?
I submitted my full application last Thursday. Submitted all required paperwork yesterday. I've heard they can be quite fussy or strict. Just looking to see if anyone has any experience with them? Many thanks!:)
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quick question on mortgage fixed deal
I currently have a fixed deal with Natwest that is coming to an end on 30 November. I am hoping to remortgage to first direct when the fixed period with Natwest expires. My understanding is that the first direct offer is valid for 6 months. So if I apply now and assuming I get approved in say July, will my two year fixed…
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Mortgage Fraud
Bit of an unusual predicament that I’d appreciate any thoughts on: Soon to be ex-husband obtained a mortgage back in 2003/04 using a counterfeit passport / false identity. I knew a little about it at the time but was not directly involved however, stupidly turned a blind eye to it once my objections were ignored. Since we…
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First time buyer - Can I close remotely?
So, I’m eventually starting to ramp up looking for a home with an appointment with an advisor booked in a few days to see how much I can borrow and will be starting to view houses soon as well. I’ll be looking to buy alone. That’s about as much background as you need for that part. I work at sea so I’m on a work/leave…
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First time buyer
Hi, my fianc! and I went to look at new build properties. They are due to be built in February next year, when we looked into it, the home developers let us call firstmortgages and they worked out our affordability and we passed it credit check so we were able to reserve the property we wanted with this. Now we have to do…
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Debt consolidation query
Hi all, New to the forum- would appreciate some advice on our situation. Applied to our mortgage company for additional lending to consolidate credit card debt. The figures involved comply with the mortgage company's standards re LTV for consolidation, and we had it confirmed that the new payment amount would be deemed…
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Same day decision?
My daughter and son in law are FTBs and got an AIP from a lender last Saturday and had a further meeting today to apply properly for a mortgage as they’ve had their offer accepted on a property. They came away with an offer - is it usual to get a decision on the same day? I am concerned too that they may have been…
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Barclays - Extending offer
Evening all, We have a mortgage offer valid until 26th July but aren't looking to complete until first or second week of August. Do Barclays do an extension on the mortgage offers? TIA
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Remortgaging with a lower income then when we started...
Hi, my wife and I have an interest only mortgage of £188,000 that is due to end in 2021. We have a good credit history which ironically may be blemished by the fact that we have no other debts, and have never missed a mortgage payment. However our incomes are a bit lower due to my wife becoming a stay-at-home mum. My…
