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Divorce: Transfer of Title
Hi Own a house joint names - she's agreed to transfer over for payment but can I do this myself or do I need to go through solicitor / conveyancing?
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House purchase fallen through - what can I expect from here?
So our seller have made a rash decision and pulled out of selling their house after we've spent money on solicitors and conducted searches etc already. My mortgage offer came through and I've been billed already by my mortgage advisor. I'm happy to pay what we agreed but I will still need assistance from him to move this…
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How to get the best mortgage for a first time buyer (26y/o single male)
Hello all, To cut a long story short I'm looking to get my first mortage for a property. My mother has a property that she is going to sell that will free up £135,000 towards a deposit. I'am a single male, on an £18k a year job before tax. However I'am good with money and have available £580 for the mortage payments, plus…
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AIP with Coventry then offer?
Hi, We had a hard search AIP done through our broker and all came back fine. I was surprised at the detail of the AIP with Coventry as it read very much like a credit agreement (the soft one I did with Halifax a few months prior was just one sheet of paper) It’s now with the underwriters but I’m told now they have done the…
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Deed of assignment actioned incorrectly
Hello, this is my first post, I would like to know if I have any options available to me on this issue. Ex and I divorced in 2015, we agreed a split of assets allowing me to stay in the marital home, but I needed to assign interest in a few policies to him. I believe that his solicitor drew up a Divorce Consent Order as I…
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How long after specialist reports will I know?
It's turning into a long dragged out nightmare. Valuation report was received back at the end of July and it valued as £0 (ie refused to lend, but satisfactory reports/remedial work valued at offer price) until a series of specialist reports - structural, asbestos, electrics. I got them all, all okay but £450 electrical…
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First time buyers. Good credit and bad credit
Hi there I’m new to the forum. I’ve come looking for some advice. So me and my other half are looking to buy our first place. He has immaculate credit rating, like 15 points from the very top. My credit rating isn’t as good. It is 626/999 in the middle of the poor section. I have a credit builder card to make small…
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First Time Buyer - Leeds Mortgage - Please HELP
Looking for reassurance but im starting to pull my hair out. See below the timeline and i will go into more details after. 21/07/18 - AIP reffered but approved 23/07/18 - Home Offer Accepted (Provisional move-in date of 14th, everything to be confirmed and signed pending the mortgage offer) 25/07/18 - Full application and…
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Anyone experienced Search Mortgage Solutions?
Hi all Just been surfing online to find a local fee free mortgage broker. SearchMortgage Solutions is one that comes up- anyone had any experince with them?
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Re Mortgage query
Hi Looking for some advice. In December 2016 we were in the middle of purchasing our new build house when our mortgage offer was declined due to a default on my husbands credit card which had been added to his credit report that month. I knew nothing about the credit card or the missed payments. It turned out he had missed…
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Mortgage application has gone to chief underwriter, should I be worried?
Hi I am a first time buyer applying for a mortgage with one of the big banks, along with my partner, through a mortgage broker. Our mortgage broker did some initial checks such as credit checks and affordability and everything came back fine. Due to our circumstance being that my partner is a Newly Qualified Teacher…
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Best Mortgage brokers?
Used this forum a few months ago and got a great mortgage broker, lost contact with them now that I am ready financially. So just looking for some good brokers :)
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Helping son with deposit - help please
Hi. Our son is looking to buy his first property and we want to help him get onto the property ladder. He has looked at new build properties as this would give him access to the Government's 20% help to buy scheme, but apart from the fact that properties in his price range (with this 20%) are tiny, having to service an…
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Concession Mortgages?
Where does them and where are the best around? Pretty much going to buy my late grandparents' house and my mam is selling, so she is happy to waive money to get me on housing ladder and to BTL :)
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Mortgage payment advice
Hi all, so I'm fortunate enough to be able to pay off the majority of my mortgage due to inheritance, leaving us owing just under 20,000. Im thinking of taking out a loan for the amount and have been offered 3% over five years costing us 1540.60. I reckon this is probably the cheapest way of paying off the difference as…
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Application and broker concerns
Having some problems at the moment with my whole mortgage debacle. Starting with credit ratings, my partner has a very good credit rating and his Equifax report looks really good, his credit score is 379 which is deemed Excellent, me on the other hand I have a score on Experian of 229 which is deemed poor due to historic…
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First Mortgage, clueless! Please advise
Hello all! Been a lurker and member previously( forgotten passwords:D) !But really really need your advice and suggestions in terms of where to start looking for motgage, Credit file ( Dos n Don'ts). Dont want to ruin credit file even before process begins and much more! So: 70K deposit, how much can i borrow on a very…
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Ex-Partner Claiming Stake in property sale?
Long time reader, first time poster as I couldn't find any posts to answer my question. I split up with my partner a few years ago, it was mutual. We weren't married, but both our names are on the house deeds and mortgage. No kids involved. When we split, we agreed I keep the house and he took what he wanted from the…
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Ive got a 100K in cash and cant get a 50K mortgage. Really?
Howdy, To summarise... I have 100K in cash and am looking to buy a house for 130K approx. Ideally i would like to keep 20K aside for any refurbishments I might need etc... So I am prepared to put down 80K and was hoping to get a 50K mortgage over 25 years and be paying back roughly £250 a month. Once more I would be…
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L & C Experience
Hey, so I’m just looking for recent experience other people have had with L & C I keyed in some details to see what remortgage details I could get then had the standard message “we need more info we will be in touch” within minutes I got a call went through everything next day gave me recommendations called when they said…
