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Self employed mortgage
Hi, Me and my partner are looking to get a mortgage. She has only been self employed for just over a year so has one of year of accounts but I am in full time employment. We are looking for a 95% mortgage and we are both FTB with a good credit history. Are there any lenders that would consider us?
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Need a broker
Hi I need a lender asap and a top top top mortgage broker Willing to pay extra fees. ????
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Should we go for equity Release ?
My wife and I are in our 70's and don't want to move. We have a son and a daughter who will benefit when we are no longer around. Our house has been recently valued at £400000 and based on its purchase in 1986 at £50000, using web based calculators in 15 years it should be valued around £650000. Age Partnership have been…
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Self Build Mortgage
Hi there. In the near future (Approx 1 year time) I shall begin the process of designing and planning a new build home. However I have a few questions, I already understand that for a self build mortgage lenders typically require around 20-25% deposit of the final total mortgage value. I already own the land I will be…
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Skipton mortgage tracker
According to my tracker, my application with skipton was due to be assessed/underwritten today. It was valued last week, and tracker said valuation was due to be received today also. Everything else is sitting as pending stil (including "valuation received"). I haven't heard anything but I am worrying that this lack of…
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Loan To Value
Hi All I am buying a house and could get a mortgage with a LTV of 79.9% but that would involve me borrowing money from my dad, at the moment without borrowing i have a LTV of 82% does this make a big difference when it comes to interest rate between 79.9% and 82% LTV? Thank You
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Brokers, Closed Mortgage Account on Equifax - Date Satisfied?
I had a mortgage for 15 years, paid off when I sold house this March. On Equifax the mortgage account shows as settled, but under "Date Satisfied" it shows 20/03/18, the date the house was sold. My account never had any missed payments or arrears, so should a health mortgage account ever show anything in "Date Satisfied"…
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Balance transfer during mortgage application
Hi We've just purchased a house and are in the middle of the mortgage application (its with the underwriters, just had valuation/survey done) and my husband needs to balance tranfer Will this negatively affect the mortgage application? I had written out the email asking the underwriter, but didn't dare send it incase just…
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Santander Overpayment
Hi, I saw yesterday that Santander are now allowing users to make over payments through online banking. Has anyone done this? Does it give you option pay off capital and reduce monthly payment? or pay off capital and reduce term? Or does it default to a certain option? Bit weary as about to make my first OP tomorrow i hope…
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Mortgage question
Hi guys, We are about to apply for a new mortgage as we are moving to a bigger property, and I have a question regarding employment and a disciplinary I am currently under with work. I am on a written warning with my employer and the written warning will expire on 14th March 2019. Is this likely to effect the amount I can…
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Remortgage Nationwide - auto valuation or not?
Hi, Currently thinking about switching our mortgage deal with Nationwide, our house just to get back onto a fixed rate (10 year), no change in balance. Basically no change in rate either as we are on 2.75% (base rate +2) and the fix is 2.79% - affordability isn't really an issue on this one. Currently the house is in a bit…
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need some advice with getting mortgage
hi there, i am really confused now and i really need some advice from here if anybody experienced the same situation. i have been working with the same company as a permanent contract for 4 years and just before getting a mortgage my company where i work for now has been sold to someone. my job title, my contract hours of…
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Remortgage to pay off debts and current mortgage
Hi, i was hoping you could help.my situation is this. I have an interest only mortgage of 165k for the last many years. Made silly mistakes and got myself into credit card debt and an unsecured loan totalling 60k. I make all the payments and have never missed any payments. In total i pay approx 1600 each month for the…
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Overdraft application before completion?
Hi all, First post here. My partner and I are in the process of purchasing our first home. We would like to apply for an overdraft to ensure we are covered in case of any nasty surprises (extra legal fees, and a smoother first month). We have succeeded in the mortgage in principal, and are currently in the process of…
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Lender requesting documentation I don't have - help!
Hello all, I wonder if anyone's experienced similar and can help. Our mortgage lender is requesting a copy of my P60 as a last step and I'm not able to provide it. I finished my previous employment with NHS England on 30th March 2018. I chased payroll for my P45 several times. First I was told it was in the post. Then it…
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Santander reduce LTV then decline?
To cut a long story short, we are into the 6th week of a Santander mortgage application. Today, unexpectedly, they dropped the amount they are willing to lend. No other info given. We accepted the lower figure, but have now been told it has to go back to underwriting as it isn't an offer. Can anyone help? We are a bit…
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Mortgage redemption query
I didn’t really know how to title the thread so sorry if it doesn’t really come across as expected. I am completing on my new house next Thursday. I have been to the solicitors today to sign the last few bits and pieces and he showed us our mortgage redemption figure. We are not debating the figure, all as expected but my…
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New build early payment
Hi everyone We are moving into a new build, exchanged about 2 months ago and completing a week tomorrow - could we get the mortgage paid over like on this Thursday ( a day early) and start paying earlier so we get the keys first thing Friday??
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do I need more patience?
We put mortgage application in six weeks ago via L&C. Some back and forth asking for documents via emails, responded immediately to them all. Valuation done last Wednesday. Since then been trying to contact L&C to find out if they need anything else and what to expect but they don't respond to emails or pick up the phone…
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Special terms on help to buy mortgage?
Hi all, I’m buying a London new build with a help to buy mortgage. Building completion has now been delayed by 5 months and my mortgage offer will expire before completion. I’m currently having second thoughts about the purchase (personal circumstances have changed), and one of the sales team told me that if a help to buy…
