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Burst water supply in new home
Got the keys to my new home on friday 19th. Everything seemed fine, but the water company called today and said there is a burst shared water supply pipe - has been like this since september. Letters have been sent to previous owner apparrently, so they were aware but didn't tell me about this defect. Have contacted my…
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Remortgaging - 'two'mortgage products on one property
Evening, When I bought my house I ported my existing mortgage over then added on another product with the same lender to cover the difference. They are both fixed rate products with fixes ending at different times. The newer, smaller, cheaper product ends early next year and I will be looking to apply for either a tracker,…
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Melton Building society mortgage
Good evening, I’ve currently been in contact with MBS & they’ve informed me my application is currently with the underwriters. Anyone recently done a mortgage application with MBS and can advise me how long approx is may be from now. The stress, the unknown and having no control over it is really getting to me - FTB too
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Delayed Completion Penalty Fee
Hello all, I was wondering if anyone could provide me with advice on my situation: The purchase of my property was supposed to complete today. However, despite complete silence all day, I received a call from my estate agent at around 14:00 that my vendor's solicitor still hadn't received my funds, and to follow up. I…
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Borowing more on Natwest Mortgage
If you request to borrow more against a Natwest mortgage, will they perform a credit check? Thanks guys!
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BBC PANORAMA Mortgage Prisoners
https://www.bbc.co.uk/programmes/b0bp2dsj
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Remortgage stress!!
Advice needed ... I received remortgage offer from Santander a month ago to transfer mortgage to them from Leeds BS when my fixed rate deal comes to an end on 31 October. I received questionnaire from LMS the free conveyancers appointed by Santander asking when I'd like the mortgage to start. I asked for 1 November to…
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Wife handed me the keys back
Hi all, I'm in the early stages of a divorce and my wife has left the home with my son and moved straight in with her new lover. We jointly own a house and are both still paying the mortgage 50/50. Things have all been amicable until her first meeting with a solicitor which has completely stirred things up. My question is…
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Barclays - existing customer deals
Hi brokers! How would you rate Barclays - when it comes to retention deals that they offer to their own customers - are they better, worse, or the same as other lenders? I'm planning on remortgaging to them and don't want to keep changing lenders - so it will be a long term relationship 20+ years - would like to know if…
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Moving back to UK - mortgage possibilities
Hello Here's a little background to my question that follows: I currently live in Italy, own a small flat with no mortgage. In fact I never had a mortgage before as I rented before buying the present place with an inheritance. I'm considering moving back to the UK permanently with a goal of buying a prop. With the sale of…
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Additional incime
Hi, I am looking to remortgaging in my own name after the divorce from my husband once I have bought him out. Does anybody know if the weekly contribution that my over 18 year old children give me counts towards income on a mortgage application?
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Halifax mortgage-holders to get cash back after interest error - MSE News
10,000s of Halifax mortgage customers are to be given a redress payment of £20 after the bank uncovered an error in the way interest has been charged dating back eight years, MoneySavingExpert can reveal...Read the full story: 'Halifax mortgage-holders to get cash back after interest error' Click reply below to discuss. If…
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Self employment and Mortgage!!
So I’m just wondering if anybody can offer any help on my situation. I went self employed in March and I currently have a mortgage with NatWest, almost coming up to remortgage as I’ve had it the last 2 years and I have not missed one single payment. I bought this property on my own when I was employed but now me and my…
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Understanding Underwriting help please
Evening, My partner and I are in the process of applying for a mortgage with West Brom Building society. This is first for both of us so are lacking in knowledge with certain aspects of the process. We have been asked to sign a form of consent by the underwriters allowing them to contact our bank directly...is this normal…
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Is this right for taking out additional borrowing against house?
A friend has said I should re-mortgage on the LTV I have 70% 5 Yr Fix then take out the additional borrowing for home improvements. The 70% will be a lower rate and the additional borrowing will be a higher rate RATHER than doing it all at 80% LTV and the higher rate....is this correct and doable?
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Mortgage declined help
Hi everyone Firstly, thanks for taking the time to read my post. I applied for a shared equity mortgage on Friday. Broker looked through my credit file, no late payments, nothing surprising. She applied to NatWest first and it was declined due to ‘adverse credit’ :( checked all credit files and everything is fine apart…
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Clydesdale Bank
I’m need of some help! Me and my partner have applied for a mortgage with the Clydesdale Bank. The initial advice and recommendation was last Monday and that was all fine and affordability checks were fine. It had to go to an underwriter due to the stress test resulting in the affordability being an issue. The credit check…
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First mortgages
Found these on Google, most advice on here is ask Freund's and family for recommendation on a broker, or Google locally but I'm finding nothing. Anyone used the above, any feedback??
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Moving home
Currently our mortgage is at £169k and we have a buyer for £225K. We want to buy a house for £265K and put down £30k deposit. We both combined have £23k in credit card debt and 2 car finance deals. Chances of being accepted on additional borrowing for next home? We will be sticking with Santander who is our current…
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Shared ownership mortgage advice
Dear all, as a ‘second time around’ couple in our 50’s we are looking at a shared ownership property with a mortgage of 10 years. We have a decent deposit saved up of approx 20%. Suggestions on who would be the best lender to approach without it affecting our good credit scores. No ball Park figures have been given to the…
