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Temporary part-time salary
Hoping for some advice please. I'm coming to the end of my fixed rate (31st December). I'm with Halifax and there's a reasonable retention product I can take. However I've seen a more competitive rate with Yorkshire. The issue is that I am currently on a voluntary reduced salary from 1st November until 31st March.…
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Mortgage past 65
Hi there, I wonder if anyone could offer some advice. I’ve always assumed (incorrectly) that you can only get mortgages up until you are 65 – a friend recently told me that he has taken out a mortgage for 40 years, ending when he is 75. Does anybody know if you need to have your pensions set with a retirement age of 75 (in…
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lisa with partner who already owns a house
Morning PLease could I just check 2 things Current situation is I live in my boyfriends owned/mortgaged house, we will need to move elsewhere next year due to my job relocation If we were to married before we bought a house together (ie we rent for a few years until I have a permenant job location), would that mean that we…
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Building My Credit
Hi All, I am a newly qualified radiotherapist and have just graduated from university this summer. Realistically in around 4/5 years I will be looking at buying at house however I am concerned that I don’t really have a credit score/history. I have a LISA account and pay rent and WiFi bills monthly but no other bills that…
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Mortgage application refused due to suspicion I’m buying-to-let
I’m looking to buy a house and relocate to Cornwall from the midlands. I’m self employed and work from home (with a good credit record and cash to put in a 10% deposit) although I travel a lot around the UK. My mortgage advisor says he is struggling to find me a mortgage because lenders suspect that what I’m really doing…
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Mortgage advisor job
Hi there, I am new to the the industry and have just passed my CeMap. I am looking for a trainee role at the moment. Just need some advice on some points: I am CRB cleared however three years ago I was arrested on physical assault ( false accusation) and nothing came out of it and there were no charges as a result. Now I…
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Consent to let mortgage
Hi, We have a mortgage with TSB, with another 4 years on it (and a hefty redemption fee if we leave!). We are thinking of renting our house out to rent a bigger place ourselves. Anybody know how flexible TSB are with giving consent to let mortgages? What happens after 2 years? If we don’t sell our property within the two…
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Mortgage Broker Fee
Hi, First time remortgaging. My mortgage broker has found me a deal which looks good, where he gets £700 remuneration from the lender. On top of this he charges me a fee of £399. So making £1100 in total. Is this normal? It seems like a lot. Is it reasonable for me to negotiate his fee considering the hefty remuneration?
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Helping mortgage prisoners is 'a matter of urgency' says FCA - MSE News
The financial regulator wants to help mortgage prisoners "as a matter of urgency" including those stuck on deals with firms it doesn't regulate, its executive director of strategy and competition has said this morning....Read the full story: 'Helping mortgage prisoners is 'a matter of urgency' says FCA' Click reply below…
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Transferring half of house to wife
Hi, I got married in September and the fixed rate is up at the end of the month on my current mortgage. While I can remortgage without any redemption fees etc we've been contemplating applying for a joint mortgage and transferring half of the house into her name. First of all I wanted to check if this is possible? The…
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Worried! Service Charge!
I am buying a flat that the estate agent advertised as having a service charge of £100 PM. I have a mortgage offer based on this. It turns out the service charge is actually £150 PM. I am borrowing close to the maximum the lender would lend. My solicitors have now informed my lender of the actual service charge. Is this…
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FTB affordability question
Hi, quick question about my mortgage application. Really straightforward - would it be beneficial to pay for everything in cash leading up to my application , so the bank can't make assumptions on my lifestyle and use that against me etc. Thanks
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Santander Porting.
HI, wonder if anyone can help please So I'm thinking porting is the best for us. But I'm confused Sorry we have lived here 20 years and this is only our 2nd time buying, first time seller. The bit it bold reads to me the original mortgage (Now portable) must be paid off a few months after we move in ? Thank you x Option 1:…
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Help to purchase
Hi I am looking to purchase a second property, as my family is growing. Current mortgage is with halifax and have myself and my brother on the mortgage. Dont have much saving at the moment, what are my option and how do i go about remortgaging to release some money from the current property.
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Mortgage/Financial Adviser Fees
Hi I have been speaking to a financial adviser regarding options for a mortgage (HTB etc). I am currently selling my house and looking to buy another once that's done. This is the first time I've been through this process so not really that familiar with it. Is it normal for them to ask for some of the fees up front or…
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I brought the wrong house - advice please
I brought a house 6 months ago, my first home, because i thought it ticked all my boxes. Its close to where my mum lives, and I wanted to be close to her at the time because she's been going through a messy divorce. Its lovely, a barn conversion, 2 bedroom detached house, really quaint and quiet. In a great part of town,…
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Removing name from mortgage
Hi there, I am new to this forum, although I’ve been a regular reader of posts I have never actually posted. Hoping someone can assist with my query. I currently have a joint mortgage with my ex partner however I am now married and have a mortgage with my husband. I haven’t lived at the house with my ex for a number of…
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Barclays remortgage
Can anyone give me an idea how long a Remortgage to Barclays takes? State the dates of the full application being made until offer received Thanks
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Outright Homeowner with growing debts
I own my home outright but am currently getting further into debt with loans and credit cards. A recent job change has meant a drop in salary as well which means my problems are going to escalate further unless I find a way of reducing my monthly payments. My home needs some non-urgent work doing to it too. So I would like…
