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Surveyor sent out, but not had confirmation from lender of completion?
Hi, i have recently applied for a mortgage with Platform (Co-op) - back and forth sending proof of ID and address are done, now proof of deposit asked i sent that last week, they got back to my advisor now stating one of the bank statements never had my partners address on and they need proof of her address, so advisor's…
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What Type of Mortgage? - Advice Please.
To cut a long story short we bought a house in December last year with cash as the Mortgage process was a series of mess ups and the chain was about to fall apart. The money came from the sale of the previous house, our own money and a relatives money. Now we need a small mortgage to pay back the relative. Our property was…
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Increased Credit Card Debt Since Mortgage Offer
Hello there, My chest is a little tight with anxiety over our mortgage going through, so hoping to get some reassurance or advice on what to do! We have had our mortgage offer through the post, which is for 220,000 based on a 90% LTR. But since our initial application, my credit card debt has risen from £900 to £2500,…
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Credit cards and mortgage renewal
My fixed rate mortgage ends in February and I will be looking to renew with a new provider (want to put my wife on deeds and mortgage). I'm in the process of transferring my current credit card debt (approx £10k) to a 0% balance transfer 0% interest credit card. I'm aiming to pay off as much as possible on the new credit…
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Mortgage as an expat with low credit score
Hi Guys, Be gentle with me, I am new here! So I have been living in the USA for 4 years, but just purchased a house in England outright that I want to renovate as my future home. I want to release some money from it for renovation. I am trying to open a HSBC Expat bank account, in hopes of them giving me a UK mortgage,…
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Home move using equity for debt
Just a bit of advice really. We’re currently looking to move house. Seen a house where I need £261k mortgage, passed affordability with broker all ok. We have £46k in debt over the house we’re in now, the renovations have spiralled us into this, completely naive that it wouldn’t cost much to fix!!! Anyway we plan to sell…
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Parents mortgage dispute
So I have a dispute between parent and step parents regarding a house they bought together. They where together for 15 years and in that time they bought a property together. It was paid for jointly whilst together for many years then the split up (never married) the mortgage is in joint names and there is no sole owner.…
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Viewing HSBC mortgage online
I recently have taken out a HSBC mortgage and I would like to be able to view the balance etc online I was told by customer services that I needed to register for telephone banking and make a security code which I did, but when I try and register for online banking on the HSBC website it asks me for current account/credit…
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Mortgage chances with one recent late payment?
Hi guys, i was wondering if you could give me some advice and hopefully put my mind at rest. I've read these forums for a few hours now and although all I see is great advice, i cant find anything in regards to my situation. We've just put a reservation on a new build house, everything was going well until I checked my…
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Removing name from mortgage/deeds
Friend of mine has been divorced for over 13 years, 1 year before the divorce he bought a new property with his wife. They decided not to sell the property when they split as they would have been in slightly negative equity and he was happy for his kids to be brought up there. Fast forward a few years and he found out that…
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Will mortgage lenders take state of decorating into account?
I'm currently renovating my home - new kitchen, new bathroom, entirely redecorated, etc. but want to get myself remortgaged to try and get in before BOE base rates rise further. While the majority of the "dirty work" is complete (I've moved a couple of walls and fitted french doors, and replaced the kitchen floor which had…
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Re-mortgage
Hello, I currently own my home outright (~£140k) and I'm looking to start flight training. The course is full-time and I would be unable to work during training, making it impossible to obtain a secured loan on the house. The course fees plus living expenses for the year come to £75k. I'm now investigating re-mortgage as a…
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Mortgage rate change during locked in period
I recently locked in a Nationwide remortgage for 2.29% which commenced on 31 August. I have just been made aware that the rate for my mortgage (same LTV, terms etc) reduced to 2.14% on 23rd August. Are Nationwide obliged to offer me this lower rate as the rate was reduced before my mortgage with them commenced? Something…
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Meeting with the house builder tomorrow to possibly reserve
Hi all, I have a meeting with the house builder tomorrow at midday and wondered if there is anything that i should ask, that people maybe didn't ask when buying a new build, but wish they had? We are also first time buyers. Thanks L
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Nationwide - advice sought, help please!
Hi, So we have been with Nationwide for quite a few years with a flawless record. We are wanting to remortgage as part of a house sale/purchase process and both increase and extend the current loan. However, Nationwide are telling us that if my wife applies in only her name, I am classed as a dependant despite being in…
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Barclay Mortgage Application
Hi all, What do mortgage companies look for on bank statements? Specifically Barclays? We have passed the initial DIP/AIP credit check. Do they scrutinise every payment or is it more to make sure your income goes into that account? Thanks L
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Mortgage rates
Hi everyone My introductory mortgage rates are coming to an end in 3 months and I've been looking at the market to see the rates available. Best fixed rates I can find are for 2 year products, my other choice would be 5 year fixed rates that are around 0.35% higher, which one is the better product? Do you think rates are…
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Credir card paid in full each month affecting mortgage application
I have had my initial mortgage offer (Skipton) and it is £14K less than I need due to "undisclosed credit" apparently. I have checked my credit report and the only things on there are my current mortgage with my stbx-H (which will be gone as we're doing transfer of equity) and my credit card which I use for day to day…
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Should I pay money off mortgage or help to buy loan?
Hi, I purchased my 1st house 3 and a half years ago for 230,000. Looking at sites like Zoopla it is saying the price of the house is now roughly 300,000, when I purchased the house I did the help to buy scheme where I paid 5% and the government paid 20% for the deposit. I understand after 5 years so in 18 months time, I…
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3 year old arrangements to pay recorded
I have some Birmingham Midshires mortgageable. For BTL. 3/4 years ago I had to enter an arrangement to pay and have never missed a payment since. My credit file is good and well upto date since then. But I don’t know how long they would hold this agains me if I wanted another mortgage. Any one any ideas? Thanks
