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Lying MA, Mortgage Declined, New Application - HELP! (Single, Self Employed and Benefits)
Just wondering if anyone has experienced something similar to my current predicament or can offer any advice? Having had an offer accepted on a house back in April, I have just heard from the MA that my mortgage with Santander has been declined. My mortgage application is a single application which includes my self…
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Moving new build another new build - Help To Buy
Hi, Currently live in a new build with 20% HTB equity loan. Looking to move into another new build (will have been 2-3 years). Is there anything preventing you taking another HTB equity loan? Obviously I’d have to ensure the original is paid off through the sale of the existing property first (20% sale price). Has anybody…
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Private mortgage
I would like to know if anyone here has knowledge of private mortgages I have a friend who has recently lost her mother. Although the house their mother owned has no mortgage tied to it, two of her daughters are looking to buy out the other two daughters. They are looking to get a private mortgage to do this. Is this the…
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Help to Buy Staircasing Advice
Hi all I'm looking to start paying off some of my help to buy equity loan. The loan is 20% which at time of purchase was £46,000 and I do not believe the value has gone up that much so for arguments sake let's say it's now £50,000. I can't afford to pay off the full amount so am looking in to Staircasing and paying off an…
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Barclays panel of solicitors ???
Applying for a mortgage with Barclays been told by Broker that the conveyancer we were going to use isn't on Barclays list, where can i find out who is then lol we want to use a local one if possible.
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Mortgage Advice
Hi Guys, hoping someone can give me good advice. Story goes, my mother died and didn't leave a will, her house now belongs to myself and two brothers. I am currently in the process of buying one brother out as 2nd brother didn't want buying out. I was advised by the bank I was getting mortgage from that to buy one brother…
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CeMap? CII? MAQ?
Hi, can someone explain the differences (if any) between CeMap, CII and MAQ? I am trying to choose a mortgage broker and have been told elsewhere that CeMAP is the best, but the one I am leaning towards choosing is MAQ. Does this make any difference? Thanks
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Hard searches prior to mortgage application
Hello Back in April, I didn't expect to buy with mortgage this year and got myself a credit card and a current account with no overdraft facilities . There are two hard searches on my report in May, but the accounts are yet to be reported in May. In the giffgaff one, I have the June version in which the points (which I…
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Buying Parents house at a reduced rate
My wife and I are looking to buy her parents farmhouse, at a reduced rate. The house is probably valued at around £300,000, however they have offered to sell to us at £150,000, so that we might start a family close to them. (We're extremely lucky, we know!) We intended on borrowing £135,000 placing a £15,000 deposit,…
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What will I owe?
I am trying to work out how much my mortgage will be at the end of a fixed rate period. It is a fixed interest rate, and I am paying in a fixed amount every month. Now, I am assuming that with everything fixed, the amount owed at the end of the period would also be fixed. Is this not the case? I spoke to my mortgage…
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Which broker should I choose?
Habito - have been using it fairly successfully up to now, have received good deals that match the benchmark deals I've found independently. I am very comfortable and familiar with the format of doing things online and via chat box. So far am happy with the service but have not got as far as AIP or application yet. Broker…
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Halifax credit searches
I was wondering if Halifax typically do another credit search before they release mortgage funds? I notice back in April they did two hard credit searches before they approved the mortgage.
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Mortgage has been approved but just filled in an application to become a guarantor
Hello, I applied for a nationwide mortgage and it has been approved and we are awaiting completion. My mum asked me to be a guarantor so today I’ve filled in an application form for that. I know lenders do a second check before completion so my question is, will I fail the second check because I’m now a guarantor? Thanks…
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Need help for mortgage
Can anyone recommend any mortgage brokers/companies/advisors. I have 4 defaults on my credit report and my score is pretty low, I'm making monthly payments towards the defaults. They were in 2014/2015. Seen a property for 100k and have 15k deposit. Any advice would be much appreciated.
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Moving on - mortgage matters
Good afternoon, I left my former partner 5 years ago. He stayed in the house and at the time our children also remained (owing to their nearby school and fact I was moving into mother's spare room), so the decision was made to do nothing to affect the stability of the home. They moved in with me a couple of years later, by…
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Product renewal problem
Hi everyone I need some urgent help in relation to my mortgage with nationwide. About one and half year ago I took consent to let from nationwide and let my property because I went to work abroad. My current fixed rate deal is about to end so I called them and asked for renewal /new deal. To my shock they have told me that…
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Self-employed FTB - going it alone for a Mortgage?! :O
I've been scouring this site lately as i've been getting myself into a right old panic. I'd love some support and advice please! Wondering if any self-employed first time buyers managed to go direct to a bank and get a mortgage sorted without a broker? We had so many troubles with our free broker and the lender they…
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Best Offset Mortgage
As per a previous post I am looking into an offset mortgage, when my current mortgage deal ends, as I have a decent amount of savings. My idea behind it was, as well as making use of the offset mortgage, was that I wouldn't need to go thru the whole re-mortgage process every 2/3 5 etc etc years. That would be me done.…
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expat mortgage advice FTB, NI/UK
Hi all, Hoping someone can advice. I am currently working and living in Qatar but I am trying to look into buying a property in Northern Ireland. This would be a residential property for family still in the country. From what I can find out, there are very few places offering mortgages for expats (am I counted as an expat…
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Mortgage with help to buy Equity Loan
Hi all, 11 months ago, me and my partner bought our first house, valued at £248,000, with a deposit of £34,000 and a help to buy equity loan of £44,000 (18%) and a mortgage of £169,000, fixed for 5 years at 2.57%. We have been overpaying on our mortgage and now have 4 years 1 month left of our fix, with a mortgage of…
