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FTB close to exchange
Hi all, The time is near for exchange and completion, the final bits are being done to the contracts and we will be exchanging either tomorrow or Wednesday. I have a question regarding the mortgage. My mortgage went through really quickly , I think I applied Wednesday, valuation was on Friday and the application was…
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Utilities after exchange affect mortgage
Hi all New to the board but been lurking for a while. Hopefully someone may be able to help. FTB exchanged last week and due to complete in 2 weeks. Mortgage all good and through halifax. Was looking to sort broadband etc in the new flat however it seems utliity companies credit check you. As been living with the folks we…
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Mortgage term due to end but selling house.
Hi, I am trying to sell my property which I jointly own with an ex partner but my mortgage is due to renew in April 2019. I don’t want to get tied into another contract and face the early repayment fees so not sure what my best option is to do. Any advice would be greatly apprracited. Thanks Louise
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Natwest mortgage via broker question
Can any of you lovely mortgage advisors help? We applied for our new build mortgage via a broker. They recommended Natwest based on affordability due to our childcare vouchers. We got our offer in principle and applied for the mortgage. The valuation was booked and carried out pretty quickly, a week from applying. I read…
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Multiple DIP's - worth shopping around?
This is my first post to the forum, and my first attempt at home buying, so please excuse my relative ignorance. I have had a look through previous threads but can't find an exact answer to my question, so here goes. My partner and I are buying our first home in Edinburgh, it's all very stressful as you might imagine, but…
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Negotiating buy-out with ex - she didn't contribute to bills or mortgage
Hi All, My ex (not married) and I have a house together (joint tenants), and I want to remain living in it and 'buy her out'. I have discussed with my mortgage provider and they have agreed in principle that I can keep going with the same mortgage in my sole name. We paid equal shares of the deposit (20K of 40K), and she…
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Mortgage deed
We just have just signed our mortgage deed, but unfortunately our witness signed the box that my partner was suppose to sign as the buyer. Has this happened to anyone? Did you have to do a new form or was it acceptable? Thank you!!
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Safest way to transfer large sum to pay off mortgage
Hi forum members I'm looking to pay off my mortgage with a large sum of money I have accumulated over a couple of decades. The money is sitting in my current account. The mortgage lender has given me several options for transfering the money to pay off the mortgage. As it's such a large sum of money I'm concerned about the…
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Mis-sold interest only mortgages
I keep seeing adverts for reclaiming mis-sold interest only mortgages - is there any truth in this, and has anyone successfully had any refunds? I don't see anything on the forums or on the main site, so sceptical. Would love to hear if anyone has any experience
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Can you help I think this wrong
Hi all I have 2 buy to let mortgages with the same lender, so 2 different properties, different borrowed amount etc, my mortgages rates are changing but I am unable to change them. One of my mortgage is up to date the other one is 1 month in arrears I understand I can't change the rate on the mortgage which is arrears but…
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Help to buy - home improvements
Hi everyone I currently have a help to buy mortgage which I took out two years ago. We recently found out that we are expecting our first child next year (bit of a surprise!) and it has forced me to evaluate our living situation. Our current house is quite small (no surprise for a new build) and we will need some extra…
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Problem
Looking for some advice. I have had a mortgage offer approved by Santander based on my income and a monthly honorarium of approx 150 a month. I have just been told this honorarium will no longer be received. I have informed broker of this who is going to look into it but hasn't contacted lender yet. I've redone the…
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Credit card debt/mortgage
Hi, I’m hoping someone can help. So long story short... I’m in The process of selling and moving to a new house. From the proceeds of the house sale I’m going to be paying off all my debt (credit cards and hp) and I’m not quite sure where I stand with regards to applying for my new mortgage. I don’t want to have to declare…
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Where can i get endowments from???
where can i get a non profit and with profit endowment from, i'm doing a assignment but i'm unsure of two different insurance companies i can get them from.
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Fixed term contract and childcare costs affecting mortgage application
My husband and I have a help to buy loan as part of our mortgage which we are going to have to start paying interest on next year. We went to the bank today with a view of remortgaging to take the loan into our mortgage. I am about to start a new job but it’s only a 12 month contract, this can’t be considered as a part of…
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Can I get a mortgage working for an Agency
Hi guys, Apologies if this is in the wrong section, I am new here :A Here’s the back story, Me and my partner are saving for our first house. We have our 5% deposit already and will be using the GOV 20% equity loan to enhance our deposit. We have had an affordability check and soft credit check and all went through great.…
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Poor credit and address issues
Hi all, I'm not sure what I want from this but I'm in that waiting stage of mortgage applications where I feel i need to be doing something but not sure what to do! Basically.... We had an offer accepted last Monday on our first home (yay!). We've gone through London & Country mortgage brokers and wanted a 95% LTV…
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Chances of a mortgage. Only have job offers, questionable credit?
We are a couple in our mid 20's, we have been renting for 4 years. We have been browsing the housing market where we are looking to move for about 18 months. And have only now seen a house we love so are desperate to make a move on it. However my partner thinks we are are lost cause right now and no one will accept us.…
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Mortgage application with Metro Bank
Has anyone had any recent experience with applying for a mortgage with Metro Bank? How long does it normally take from application to offer? We have an application with them for the past 2 weeks and nothing much seems to be happening.
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Currys flexi credit & mortgage
Hello, my application is currently going in for approval next week? Assessor has assed & valuation has been done. We want to order a new fridge freezer for when we move in but it will be on the flexi credit plan that Currys offer - will it affect our application? How often do they check credit
