-
Precise mortgage help
Hi guys It’s my first time getting a mortgage, had to use precise as I have a few defaults which are my fault in the past (about 2k in total) in September I got my mortgage offer and everything signed, paid the deposit etc! As it’s a new build we don’t move in till next week and that’s when the mortgage gets paid out, like…
-
Nationwide re mortgage
Im using a mortgage advisor to apply for a re mortgage, I got the email “mortgage requirements have been agreed in principle” on the 29th October then Got an email from him on 23rd November to say a valuation has been instructed how long does that normally take it seemed to be taking a while, I havent been contacted from…
-
AIP making me nervous
I have an aggreement in principle and have seen the first house i am willling to make an offer on :D The MIP is for 100k and this will my 10% is literally meaning i need to take the max amount they are offering as a single applicant. I was fine with this as the payments seemed affordable and a good rate..however!!! after…
-
Mortgage Help
Good evening, long time lurker here looking for advice. I'm currently a homeowner on a joint mortgage. The person I'm on the joint mortgage with, currently lives in the house and I've moved out, currently renting with my family. I'm not paying anything towards the mortgage anymore. The easy answer would be they buy me out…
-
natwest remortgage on hold
Hi all bit of a long one but if anyone can shed some light would be great Our natwest remortgage is on hold until we buy the freehold first , was told at the begining when we went to natwest to discuss a remortgage we can be do it and be freehold on completion but sadly not the case now. So was told remortgage application…
-
Credit score has dropped 300 points in 1 month... help!
I will be applying for a mortgage sometime in December, had offer accepted on an apartment and am a FTB. I had an email from Experian saying my credit score had been updated... it has dropped from around 960 to 614 since last month!! And now im panicking!!! :( :( :( Will this affect my mortgage application?? I have read…
-
Re-Mortgage and Credit Card - Advice please :)
Hello everyone, Firstly, apologies if this isnt the right forum for this question! Its been a while since I posted last and I'm glad to say that we're fast approaching the end of our 5 year fix on our mortgage. We'll begin looking to remortgage around August 2019. During the time we've had the fix, we've done a few things…
-
What rate drop did you get end of term?
Just interested to see if I got a decent rate drop on my new fixed rate. Originally 2.79% with a 10% deposit, 2-year fixed. After term 4.34% variable. Now 1.99%, no product fee, now 72% LTV, 2-year fixed. I believe variable is the same as above. Saves me a nice chunk, so kept the payments the same to try and clear it…
-
mortgage overpayment questions
Hi, I know I should just ask my bank about this but would like to get some info first please. I'm on fixed rate at the moment and allowed to pay up to 10% overpayment without admin charge. My questions are: 1. can I make several lump sum payment as long as is within the 10% limit? For example: if my remaining mortgage is…
-
Multiple hard credit searches for recent remortgage with Clydesdale
Hi, I recently remortgaged, moving from Nationwide to Clydesdale with completion having happened last week. Today I looked at my credit report (Experian) and in the summary had a note stating 3 searches recently and this being a negative factor in my score. This was surprise as the only product or service I've applied for…
-
Mortgage but split up with partner. Advice appreciated.
Hi guys, My partner and I bought a house this year (we completed in July). He decided to end our relationship at the beginning of October. We have lived amicably within the house for the last few weeks but I'm not coping so well with this set-up and feel that I could do with living apart from him. I'm not very savvy in…
-
Help to buy
Hi, I realise this may have been asked elsewhere but I wanted to incorporate my own figures into the question! I’m just after a bit of advice and guidance on a help to buy purchase, concerning paying off the equity loan at the end of year 5. I’ve done some sums and I should have the equity to pay off the loan easily by…
-
Re Mortgage advice please
Hi. We would like to think about moving home to a bigger property. Our current house is valued at £230000 and we would like to look at houses around the £300000 price range. Our current mortgage is £115000. It’s in my name only and I am self employed as a plumbing and heating engineer and have been for 20 years. My wife…
-
Mortgage with my foreign boyfriend
My boyfriend an I are looking into getting our first home and starting to see what the market is like for price. We will have enough for a 10% deposit soon. However, my boyfriend is Italian and has only been living in the U.K. for 3 months. He has a full time job, but was wondering what effect his nationality might have on…
-
Mortgagegym
Hi, My mortgage fixed term is due to end on. 1st March 2019. I will be remortgaging as my current interest rate is high. I have looked through a few online mortgage brokers and came across https://www.mortgagegym.com. Has anyone taken out a mortgage from them and how are they dealing with application and response?, Any…
-
Code 1s on credit reports
Hello, quick question... I have been lurking on these forums re. Mortgage applications and have read on a thread that lenders do not see late payments marked 1 on your credit report? Is this true? Thank you
-
Contracted Employment / Mortgage?
Hey! My partner and I have been saving for our house deposit and we are getting closer to having the full amount we need. The only thing is that my partner's job is contracted through an employment agency. He has been employed with them for 6 months on the rolling contract, (others have been on the same contract for years…
-
If mortgage is not approved will I lose product fee cost?
Trying to get ready for this mortgage application I will make later this week. I am a worrier by birth (I seem to tick all boxes to be accepted for mortgage) but worried what happens if not approved. Could I possibly ask for the product fee to be added to mortgage then pay off before completion to mitigate if I do not get…
-
Interest Only Retirement Mortgages
Hello I'm in need of help/advice. My dad who is 81 is looking for and IORM, after loosing my mum he still had all their creditors to pay and although his still paying them its leaving him short each month. At the moment he is with Nationwide and after talking to them this morning ( the woman wasn't very forthcoming btw)…
-
Help - BTL for expats?
Hi Everyone, I own an apartment in Reading for which I had a residential mortgage from HSBC. After 2 years of staying there, I got an expat assignment in Feb 2017 from my company wherein I work abroad 6 months a year and I get time-off for 6 months (which I spend in India). This assignment is due to end in mid 2020 after…
