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New job in the middle of moving
First post here but I really need some advice. I have recently changed jobs in the middle of the whole moving house process, have provided new job info to mortgage adviser and had the mortgage offer. Everything is moving along nicely and contracts should be exchanged in the next few days. But... I really dislike my new job…
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What’s my chances of being offered a mortgage ?
Desperately want to get onto the property ladder and to own my own house.I just want a rough opinion/idea from people of what my chances are if I went and spoke to a mortgage person,don’t want to look stupid. I carnt find any free live chat advice sites and don’t want start a sit down chat with anyone anywere till I’m…
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Early mortgage payoff
I have £20,000 left to pay on my mortgage. The interest is 1.75% Barclays said i would pay £275 extra for paying it off early. Should I pay it in full ?
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Electoral roll issues, please advise
Hi, first post here. I'm looking to buy a house early next year by myself. My credit score was look last time I checked, I've had loans and credit cards since I was 18 and never missed a payment on anything. The only thing marking down my credit score that I could see was not being on an electoral roll. Getting a mortgage…
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any hope?
Hi, We are considering relocating due to a recent job offer that would increase our income quite significantly. This would mean taking out a new mortgage. The amount of the mortgage would be similar to now, but it would mean going through a new application. I know that mortgage eligibility is complex, however here are some…
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I want to BTL, can someone reality check me?
I'm considering looking at a buy to let. Here is the nitty gritty. Where I am now: Own home: £140k mortgage (£690 per month on my mortgage, currently overpaying it) Own home value is £210k thereabouts. My salary is £47k per year The property I'm looking at is a 2 bed on the market at £290k. It actually used to be my old…
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Endowment Policy's
My endowment policy is due to mature in October and id like to start a new one but cannot fined any companies that still do them. Is there anyone still doing them or have they been replaced by something different. Any suggestions would be appropriated:j.
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Santander Mortgage Approval
Hi, Just after some advice on the Santander mortgage approval process. After a lot of hassle with a rubbish broker and a purchase previously falling through we've gone it alone and found a new property and also sourced our own mortgage and went with Santander via an online application. Experience has been quick and…
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Advice on exchange/completion
Hi all, We are close to the conclusion of a purchase. Once my solicitor has completed his report (which he says will be ready this week) we are in a position to exchange. The estate agent called today basically moaning that we are delaying things now (This is the first contact from them in about 3 weeks despite me…
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When going for a mortgage would it be better to have car finance or credit card debt?
I know ideally the answer would be neither but we are going to try with one of either. We want to buy a house next year (consessionary purchase, Gifted deposit) and are quite determined. We have just finished paying off a 6k loan by me getting a second job and selling our second car but we still have credit card debt of…
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How long to fix for?
Sorry if this has been posted before; I've had a quick look but couldn't immediately find anything and I'm in a bit of a hurry while typing this :) We've had an offer accepted and are in the process of choosing between a 2 or 5 year fix. We can afford both, and they're both under the monthly repayment level that we were…
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Barclays mortgage - interest charges not showing online
Hi - I have a new Barclays fixed rate mortgage and I can see my current mortgage balance online, and all transactions - instalments due and my monthly payments. However, the online transaction history doesn't show interest charges. How do I find out what those are, are they displayed anywhere online or perhaps on paper…
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Please Advise.
Hi Good Evening. Myself and my Partner are looking to buy our first property, we don't want to go any higher than £150,000. I work part time, as i'm still a student and i earn £13,000 p/a He works full time and earns £23,000 We have £8000 saved in our HTB ISA. Would we be successful in applying for a Mortgage in your…
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Stocks and Shares ISA used as a mortgage repayment vehicle
Hello All Does anyone know if it's possible to claim for mis-selling of a stocks and shares ISA that was sold with an interest only mortgage as a repayment vehicle for the mortgage? I cashed in the ISA nearly 3 years ago as I no longer needed it to repay the mortgage in that way (having switched to a repayment mortgage),…
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Advice please :-) Commercial Property to a Residential
Hi All, My partner and I have found our forever home. It is a barn in the middle of no where and is a commercial property. It has been used for business functions, team building, and events. We own another property which we intend to BTL and have adequate deposit to borrow enough money to purchase the barn, however our…
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Mortgage- is this possible?
Hi, I was hoping someone could help.. Unfortunately I do not have a great credit history.. 4 satisfied defaults; Cabot £690 30/04/13, Lowell £620 12/07/13, O2 £220 05/01/16 and another one for O2 £115 29/03/16. And payment arrangement on a mortgage (mortgage account closed Nov 2015) Since then I have had no late payments…
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Halifax Contractor Friendly
So Halifax is supposed to be contractor friendly right? Have they changed their policies? I bought a flat with a mortgage, and being a contractor, I have a limited company. I gave them my contract as proof of income. It was accepted so they never asked for company accounts or any further information. I got my mortgage and…
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Mortgage to build extension and loft conversion
Hi Me and my partner are in the process of selling and buying a house. I'm mortgage-free on the house I'm selling and after paying estate agent fees and stamp duty I will have £100,000 cash after I have purchased the new house I'm planning on extending the kitchen and converting the loft, several of the houses nearby,…
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No warranty on a converted flat
Hi there, could anyone help me please? I am about to buy a flat, as a first time buyer. Everything went great, till we found out that there is no warranty of any kind on this flat (advertised as "ideal for first time buyers"), therefore most of the lenders will refuse to provide mortgage. I have tried to talk with the…
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Santander Application
This was a direct application so I cant ask a broker so if any helpful person can tell me if this is normal I would really appreciate it. We have a mortgage application that Santander has said has been approved by the underwriters and will give me an update once they receive the outcome of the valuation checks. They…
