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David Hamblett
Does anyone here have contact details for David Hamblett please, need to contact him urgently he dealt with my mortgage a few years ago.
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Extra funds for refurbishment
Good morning, I was advised to repost this here rather than under Loans since I was led to believe that mortgage products would not help in the very beginning. I would greatly appreciate your advice with regards to home refurbishment financing: whether and how we can access those offers as a home owner (not a developer).…
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Separating from my Wife
Hi, I am separating from my wife and I am looking for some advice on how to get a new mortgage on my own. SOA Income 40k a year Outgoings per month £300 credit card (13k balance) (((currently in an interest free period)) £360 personal loan (10k Balance) £280 childcare £140 car finance (2k balance) Me and my wife are on…
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Remortgaging a cornish build
Hi im in a position where i can hopfully stop paying an interest only mortgage, buy out my ex wife, and take on a mortgage myself and start paying it off. Unfortunately im falling at the final hurdle, it a cornish build prefab from 1950, there is abit of equity in property, but not many places want to mortgage a cornish…
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First time buyer/low LTV advice
First time buyer in the UK here. I've found a nice house in my hometown, offer's been accepted, and I only need a mortgage of 35k (15% of the property's value.) Currently in the shopping around stage. As I know I'm in quite a rare position, I just wondered if anyone could offer their 2 cents on a few things... -Is it worth…
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PPI on old Mortgage
Hi All, i am looking to claim PPI on a mortgage taken out with the now defunct Bristol & West Building Society during the late nineties. I know the BS sold on their debts but have not been able to find the correct company or source to approach. Can anyone advise or point me in the right direction on this. Groping in the…
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Reduce Term when making overpayments
I have made regular overpayments on my mortgage over the last one year. I am trying to understand the difference between: 1) Reducing the term of my mortgage 2) Not reducing the term of my mortgage My first mortgage payment ever was 541. Say my mortgage payments over the first 12 months were as follows: 1) 521 2) 518 3)…
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Mortgage Lenders & Tax Credits
Hi everyone, I have been turned down by a few lenders due to the cost of my childcare despite receiving tax credits for a large chunk of that cost. Does anyone know of any mortgage lenders that definitely accept tax credits as an income? Childcare is the only barrier :( Many Thanks Kim
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Additional credit commitments - is this the end?
Lender picked up additional credit commitments not disclosed to broker. On checking the credit file it's probably being named on partners bank account. It has zero balance and no longer in use so didn't think about it. The account doesn't even have an overdraft capability! Or could it be car insurance? Probably bank…
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Advice for elderly parents.
I am looking for some advice for my parents. They are 77 & 72 they have lived in the same house for 40 years, the house is currently worth £700,000 approx. They have an £80,000 interest only mortgage still outstanding. My Mum is adamant she thought they were taking a repayment product but turns out not so they are stuck…
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Refused Mortgage even though credit history is good
My wife and I have been trying for 10 years to get a better rate mortgage and got refused a couple of times on hard searches, however, we are reluctant to allow any hard searches for fear it will go against us but the soft searches are still getting us refused. I have checked the usual credit reference agencies and these…
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Offset mortgage paid early - keep zero balance or close ?
Hi, we are going to be in a position in the next 2 weeks or so to pay the outstanding £30,000 or so on our offset mortgage in full. This will bring the mortgage to an end around 9 years early. My question is this : the lenders (Nat West) have suggested to my other half that we keep the offset account running at zero…
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Overpaying during a fixed term
Hi, I’m only a couple of months into a 5 yr fixed term on my mortgage and I’ve had an insurance payout that means Im in a position to overpay by 10% penalty free for the full length of the fixed term which I would do by direct debit. Is there a benefit to doing that during a fixed term? I phoned my lender and asked them…
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The process
Hi all I am looking to buy a house for me only and I’ve found a one I like. I’m arranging a viewing for it. It is up for offers around75k. I know the area well and such like. I have completed a aip and can be given enough money to cover the cost of house. I was wondering what the process is. I am trying to arrange…
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Shared Ownership remortgage nightmare
So we currently own 50 % of our house and wanted to staircase to 75 %. The house is valued at £245,000 and with £103,000 remaining on the mortgage, it means us having to raise £8000 to put down as current mortgage provider is a 85 % ltv. We don't have that much capital and are feeling a bit hard done by. We naively didn't…
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Borrowing more
Hello everyone. First time poster. Just after some advice on borrowing more! We have a mortgage of currently 130,000 on our house thats worth around 240,000. We're looking to extend and borrow a MAX of 45k. I rang the bank today and they are only willing to lend us 17k!! I have been overpaying the mortgage by 200 a month…
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Joint mortgage - entitlement
Hi Recently split from partner and would like advice on my entitlement if he stops paying his half of the mortgage repayments. We have a joint mortgage and we put equal amounts of deposit in. For example if he stops paying his half of the mortgage payments, and the time comes when we sell and divide the deposit and what…
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Pay debt or put towards mortgage?
Good evening and TIA for any help :beer: I shall bullet point to help me keep down the waffle!! * I owe approx £15K on credit cards, self managed DMP * I have been offered settlement on these at approx £11.5K * I will shortly have a gifted sum of money, to be used towards a house purchase. Will have roughly 60% cash…
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New Build - Credit Check upon completion
Hi, i have a mortgage agreed with Natwest on a new build which is due to complete mid/late Nov 18. i have heard stories of you get credit checked again prior to completion, this makes sense to stop people getting too much burden of debt prior to getting a house etc. my question is, is this check a soft check (like your…
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Joint Tenancy or Tenancy in Common
