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Arrangement to pay credit file marker
Hi all Hoping a mortgage broker or someone who has been in the same situation can answer this I have looked into this matter a number of time, reading different things, I think I put a past thread up on it but I still don’t really know the answer So 3.5-4 years ago bank wanted to reduce the overdrafts on my x3 current…
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Halifax 5% deposit
Hi all, Myself and my partner are in the process of a mortgage application with halifax with a 5% deposit. House price is £145,000 and we have a 5% deposit. Agreement in principle was issued and now full application is underway. Our combined income is £54,000. We have Outstanding credit card debt of £700 (partners is 600…
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Generic mortgage application query?
Hi, New to the forum. I have what i think is a generic query that somebody can help with? (hopefully) Myself and my partner are now at the point where we can start putting some money aside for a deposit, we haven't been able to before due to childcare fees/maternity leave etc My question is, i'm wondering what size deposit…
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mortgage vesus loan
I am a homeowner, with no mortgage. Is it better to take out a loan for £20,000 or a mortgage? Thanks
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Selling two to buy one
Hi there, My partner and I both owned our own flats when we met and now want to buy a house together. His flat has sold and mine is just going on the market. We're in Scotland We have found a property we love and a closing date has been set. We have Been approved to borrow £301k based on calculations which assumed the sale…
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Moving home - mortgage .. HELP!!
I'm moving home and currently have a mortgage with Nationwide.... Where can i get the best deal please?!! Looking at 70% LTV fixed for 3-5 years. Many thanks in advance.
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Great Financial Situation - Can't get mortgage until I'm 28?
I've recently turned 22 and am now living with my partner, we are living in an apartment together which is private. I have a very good salary and have been in full time employment since I was 16 years old, but since the turn of my 18th birthday I began taking on loans and credit cards without fully understanding credit or…
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Stuck on joint mortgage, advice needed!
Hi I'm in the final straight of divorcing my ex. All the necessaries have been agreed, my ex is getting the house and in return my pension is untouched,both parties happy with the outcome. However, she fails on affordability to remortgage on her own, she can afford the repayments currently without issue, and has been doing…
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Broker phoned to say Halifax have requested valuation
Hi wall, So I posted a few days ago to try and get some info about our mortgage application. Myself and my partner put in full application through broker for lender Halifax. I’m still very jubious as I have adverse credit (number of defaults from 5 years ago) which are satisfied and a dmp which was satisfied and closed…
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Terrible bank statements
I'm applying for a mortgage and I'm worried about the state of my last three month's bank statements. We didn't realise at all that we would be buying a flat so soon and have spent a lot of money this summer. I have not come out of my overdraft for the past three months, and I accidentally went over the overdraft limit by…
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Mortgage advisor
Do mortgage advisers use a different way to apply for DIP & full application than simply online?
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Joint but not so joint application
Dear all, I am just about to acquire a new home. I would like my wife to be on the title deeds but she can't contribute financially and therefore wouldn't be worthwhile doing a joint application. Any ideas i can keep her happy or a walk around?
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Remortgaging a potential let to buy
Hi, I could do with a bit of advice about my current situation and thought here would be a good place. I will be seeking the advice of a mortgage/ financial advisor, but I wanted to have a bit of a clearer idea in the meantime. I currently own a property, House 1, solely in my name. It is mortgaged to about 50-55% LTV. I…
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Help... possibility of first time mortgage when covering maternity
Hi, Myself and my girlfriend have been saving up to buy a house and are on track to begin looking early in the new year. My girlfriend has recently been for an interview at her dream job and feedback has been promising. Unfortunately, the job is to cover various people on maternity leave and although there may be a…
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Skipton Mortgage application process
Hi All, Has anyone applied for a mortgage through Skipton Building Society recently? We are first time buyers and have a mortgage broker who has done it all for us and the application was submitted on Friday 31st August 2018 (same day we got our DIP which was a 'pass') and the valuation was immediately arranged which was…
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Ofset Mortgage ? misold
My ( now ) husband took out an offset mortgage with The One account nearly 20 years ago. This was with an ex partner not me. He did not understand it was an offset mortgage and had not realised how this worked. After he had been paying it for nearly 19 years we realised that nothing had been paid of the original amount…
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Choices on remortgage - Nationwide vs Post Office
hi. We are approaching end of the 2 year deal with our current mortgage provider Santander, and now we see that we should be at around 80-85% of LTV, depending on house valuation. Previously our mortgage was arranged by L&C, so they approach us again and found a deal with Post Office Mortgages. They do pay all the fees,…
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Mortgage after divorce
Hi folks, I'm looking for some advice. I moved out of the marital home 5 years ago and have since divorced. We have been unable to settle the financial arrangements and have not went to court to do so. There are no assets except the house which has very little equity. My ex wife rents out the house and I do not contribute…
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Mortgage Help Needed
Hello all, I'm looking at buying a £315,000 new build house. We went to Halifax to apply for a mortgage, and initially we were offered a maximum mortgage of 243,000, which would easily cover the %75 we need, as we intend to use help to buy 20 percent and our 5 percent deposit. The mortgage advisor then realised we were…
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Natwest mortgage application 2018
Hi after spending many nights looking through this forum regarding mortgage applications I thought I would start my first post with my mortgage Journey to possibly help others. Having had previous credit issues in the past I thought getting a mortgage was impossible, but here I am having just settled and I am now offically…
