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Chance of a Mortgage
Hi all, if I can give you the particulars of my partners and my finances, and maybe see what you think to our chance of a mortgage next year (around Feb) Combined income of 45K 1 of us has 8K of CC debt and paying off a long-term personal loan around £250 a month. 1 of us is debt free. We will have savings of around 7K of…
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Mortgage and Credit Card Query
Hi all, Having been living in a rented property for the last 4 months, I'm now looking to buy another house, so, I'm after some quick advice. This has probably been covered before, but I can't seem to find any related threads at the moment. Anyway, I have 3 credit cards, with a limit of ~£7k each. One has a balance of £6k…
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If you had a mortgage of 140k at 80% LTV.....
Would you fix at circa 2.1% for five years or go for circa 1.8% for 2 years. Based on Brexit and potential drops in LTV to better deals at 70% LTV in two years? What are peoples thoughts. No plans to move and if needs be, will rent out or get consent to let for a year or two or worst case move and port the rate.....
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Please advise on mortgage as I am moving abroad from UK
Hello friends, I'm new here, apologies if any mistakes with my post. I am moving abroad from UK on Office work through "Long term International transfer" and might have to stay abroad for 2-5 years. We bought property (own home - free hold) 2 years back and took mortgage for "5 years fixed" (we have another 3 years for…
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Fixing Mortgage - Which of these deals?
Hi all, We have £110,000 left on our mortgage with Nationwide and our fix has come to an end. After looking around a bit we are going to stick with Nationwide and just change the product. Probably looking at a 2 or 3 year fix (heading towards a 3 year) Our options would be: A). 3 Year Fix - 2.09% - No product fee - £419 a…
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How long did your nationwide mortgage take to send the mortgage papers
We used a broker and apparently they were due to send the mortgage papers a week ago but didn't have the cml document. They got this but still waiting. What time scales did you find with nationwide? Thanks
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Lifetime ISA and buying a house for less than it is worth
Reposting this from the house buying forum on recommendation that this would probably be a better place for it. My Fiance and I are looking to buy a house. We currently rent from my Dad and are considering buying this house from him for a reduce price, with the agreement that when we sold it on this price difference would…
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Consent to remortgage fees?
Hi everyone. I'm just remortgaging my existing leasehold flat and my conveyancer has sent me the following email... These reveal a restriction held in favour of Bellway Homes Limited, for which I will require consent to the remortgage application prior to completion. My fees in respect of this consent will be £75.00 plus…
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Tenure (feudal) may be wrong in remortgage offer. Is this an issue?
Hello I have been going through a remortgage and everything is about to be concluded, if funds have not already been drawn down I suspect it will happen at start of next week. I was just having a look at my mortgage offer and noticed that my tenure is listed as feudal. I thought this had been abolished in Scotland? I'm not…
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Mortgage free 2024 but want to home improve
I am 34, I bought my house when I was 19. I will be mortgage free in 2024. I bought my 3 bedroom detached house for 119 000 and looking online neighbours houses are selling between 170,000 and 200,000. My house though needs lots of maintenance, like new Windows, doors, boiler, lost insulates, flooring, bathrooms and…
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Halifax indexed value
Does anyone know if there a Halifax house price calculator online anywhere? Like the nationwide one. Specifically my house was £460k in January 2017, and hoping to get current indexed value. House is in Manchester Thanks :)
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Complicated mortgage situation
Good evening everyone, I hope someone with experience of this can help. Basically, just over 4 years ago, me and my partner purchased our home via the right to buy scheme. We tried to borrow money against it to do the kitchen/bathroom etc, but our lender wasn’t prepared to do this until we had completed the mandatory 5…
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Together/Blemain Mortgage Query
Hello, Our daughter and partner are looking at getting a mortgage and due to a number of issues Together lenders are one of the only choices they have - 3.59% fixed and then 4.79%+base rate SVR. Now if you google reviews on Together and their previous brand Blemain - you only get terrible war stories warning you away,…
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First time buyer -Mortgage query
Hi. I’m looking to get my first mortgage and have started the process with a financial advisor. I have a good credit score rate, however my wife’s is poor (couple of defaults and a CCJ) and she’s working to improve it. We agreed I’d look to get the mortgage in my name only. The advisor has said when a mortgage company do a…
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lender asking for more info 1 day after offer?
I'm really confused, my broker said the lender needed my latest bank statement and payslip last week. I sent these over and she emailed yesterday to say we had the mortgage offer and attached the offer as a PDF. She said to wait for the paper copies and give one signed to my solicitor, I informed my solicitor that the…
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Mortage question completion date set
Hi guys just had confirmation about my remortgage completion date and at the bottom it says Balance due on completion to borrowers ( the amount) Can anyone tell me what this means please.
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Gifted Deposit
I have my mortgage approved but majority of my deposit has come from a gift from my parents. To date no one has asked me for proof of where this has come from, my parents have not been asked to sign anything. Are my solicitors likely to ask me before completion? Reason i ask is they go on holiday for a few weeks shortly…
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Question about gift aid
I got a question about the gift received from my parents.. The money received has been sitting in my accounts (partly in current and rest in ISA) for about 2 1/2 months.. I have all the necessary letters/bank statments etc from my father who lives outside the EU and all notarized. Now in terms of the deposit itself I am…
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I closed my Help to Buy ISA on the day of completion. Can I still get my bonus?
There was a breakdown in communication and my solicitor did not realise I had a help to buy ISA until the day before completion. The earliest I could close it was the day of completion (yestedrday) and now my solicitor is saying there is nothing I can do to claim my bonus. Is there anything I can do? Thanks!
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Mortgage Advice Companies - Exclusive Rates?
I was wondering whether companies/shops that provide mortgage advice have exclusive offers only available to them? I'm happy enough just doing the process myself. However if these companies have exclusive deals that can get a better rate, than what is advertised to the public by lenders, then I might consider calling into…
