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Countrywide solicitor and help to buy ISA
So the title speak for itself. Has anyone used countrywide conveyancer as their solicitor and used a help to buy isa. How did you get your bonus? Off your fees or something else.
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Solicitors asking about drainage
Hello, We have recent sold our house and received an email from the buyer solicitor asking questions about drainage. They asked have we a private pipe in our garden and access to it. We looked at the deeds both water and foul water drain to public sewers, we cannot find a manhole cover anywhere in the garden. Not sure why…
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Bank of England Intrest Rates - How often are these reviewed?
Hello On the back of the recent decision I was wondering if anyone can tell me how often does the Bank of England’s review the interest rates and is there a certain day of the year or month they issue the decision? Thanks
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Mortgage Retention more than Mortgage
Hi, I'm hoping someone out there may be able to offer me some advice. I've applied for a £100k mortgage which initially was returned all fine and approve. Then I've been told that there is a retention on the amount but on £192k? This was arranged through a mortgage broker and I have asked them to double check this is right…
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Co-owner - my rights for being bought out
Hi there, so my situation is rather unusual - I went into a joint ownership of a 2 bed house on behalf of a family member with one of their friends around 11 years ago to indeed make a profit by building onto the property to later sell hopefully making a profit. I was 19 when this was all signed for and the mortgage was…
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Querying why husband not on mortgage
Lender asking why husband not party to the mortgage - this is for a few reasons - my personal choice - i earn the most He recently started a new job Hasnt the greatest credit Is of different nationality (resident in UK for 4 years), occasionally received pay in euros in the last year I know lenders can ask whatever the…
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Work required after completion
I'm a first time buyer who is in the middle of buying a house. We've had our mortgage offer, all of the searches performed and we are still waiting for enquiries. Me and my partner wanted to complete by mid August which we are assuming isn't going to happen at this rate. The problem we are having is that the damp proofing…
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sell my home to pensioner/retired parents
I own my home, valved at 550-600k, i have 225k left on the mortgage. My parents own a home, its valued at 450-500k, they have 30k remaining on their mortgage. They are elderly and will look to live with me, im thinking to sell their place and let them buy my house, i wanted to know how best to do this and if possible to…
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A pair of self employed FTBs...
Hi, I am a self employed SAHMum with an annual income of £10,000 (£6,000 profit). The business is four years old in November. My husband is self employed (builder) (contracted long term to a company) and earns £48000 annually after tax. He has been in this job for 2.5 years. We receive the £80ish child benefit for our one…
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Nationwide - Early repayment fee
Hi, Hoping someone might be able to help or offer some advice !!! We have recently moved home and got our mortgage through Nationwide. Our previous property was also mortgaged through Nationwide. We had a 2 yr fixed rate deal which would we be leaving early. We were buying a bigger property and needed to lend more. We were…
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Shared Equity ReMortgage
Hello, I have owned my shared equity (using help to buy scheme) from when it was built in 2010. I am currently attempting to remortgage to get a better deal but i am unable to find any bank or building society that will do this??? my current bank will remortgage me but I cant seem to find anyone else that will REmortgage,…
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GMAC RFC Interest Only Mortgage Claim?
Hi, I’m new to this forum, but have always been a big fan of Moneysavingexpert, naturally. I had an interest only mortgage with GMAC RFC which began on 1/4/2004, and ended around two years later. I just recently saw that it is possible to make a claim if one felt one was missold a mortgage, or there was some information…
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Bluestone Mortgages
Hi, Have any of you any experience/success with Bluestone? Our application is with underwriters and just wondering what we should expect? Thanks
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Changing mortgages error
We have just swapped our mortgage from The Leeds to Natwest as our fixed rate term came to an end and we got a better deal with Nat West. In March we phoned the Leeds to them to give us the final balance at the end of our fixed rate term. They told us the final balance would be £186294 72. We gave this figure to our…
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How soon should renewal letter/offer be expected?
Hi, Just a quick question - my current provider (Nationwide) have not yet contacted me with a renewal letter/offer. The current term is due to end at the end of October this year. Would anyone know when I should expect to get a letter or offer? (I had guessed it would be soon?) Thanks in advance.
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Remortgaging?
Hi everyone just a quick question on remortgaging (first timer here) My question is how does it work? eg my current 5 year fixed deal ends 30/11/2018 however if I wanted to switch to a new provider how do I make sure that the new mortgage is picked up from 01/12/18 without slipping into the SVR? Do I need to wait for my…
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Being bought out of mortgage by ex - maths Qs
Hi all, I have a simple "being bought out" question that I just wanted clarification on. My ex-gf and I own a house. We both equally paid in £20k deposit each (so £40k deposit total). We bought it 5 years ago for £185k, it is now worth £280k. We have £135k left to pay on the mortgage. We spoke and agreed to 50/50…
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joint mortgage, problems with ex, advice needed please.
Hi all, Posting on behalf of my daughter. She brought a house 5 years ago with her fellla, after 18 months he was unfaithful and moved out. They spent a couple of years trying to reconcile and remained friends so there was no rush to sort the mortgage out. My daughter realised the relationship was now going nowhere and…
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Mortgage as self employmed
Hi everyone. I wonder if you can help...... -we are applying for a mortgage and my hubby is self employed. He works as a driving instructor for X company. He doesn’t have a business account as he never needed one. He fills in his tax returns so no accountat. The car he uses for his driving lessons is on a finance in my…
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Current mortgages due to run out
Hi, Just after some advice before I go to Nationwide and they don't try to fob me off with something else. I have a mortgage and remortgage which are both to end around October 2018. Mortgage Balance : 86,765.93 - 3.09 % - Agreed redemption date November 2041 Remortgage Balance: 28,417.01 - 1.89 % - Agreed redemption…
