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Lenders who will accept me without 3 months payslips
Hello everyone, I will be upgrading my job in 2 weeks to a higher paid one. I have found a house that I can only afford with my new job that I want to apply for now! People have told me in the past that there ARE a few lenders who would still be prepared to give out mortgages even if I cannot provide them with 3 months…
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Just got my 1st credit card - How likely am I to get a mortgage in Autumn 2019?
I've been saving up for a deposit for a property. I'm likely to be able to afford to buy roughly this time next year. However, I've only just got a credit card. I've always used a debit card, but always had money in there, never gone into debts and generally never had any problems. The only time I had briefly used a credit…
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Remortgage with additional borrowing
I bought a house 2 years ago which was a total wreck and renovated it top to bottom. It was on a 2 year fixed mortgage deal which is coming to an end. I had an estate agent round to value it initially. We would like to do some additional work to the exterior of the property so would like to borrow an extra £10k. Our…
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Mortgage audit after exchange
How often are mortgage offers pulled for audit AFTER exchange? Worrying now, due to exchange this week no audit so far. Skipton is my lender and I’m just so scared it’s gonna get pulled. Also, my solicitor is checking tomorrow that funds are still available and ok to be released prior to completion and I’m assuming if they…
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Construction type
Good evening. Is this considered a standard construction with most lenders? 5 storey new build apartment block, with the details stated as "concrete frame".
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Endowments x 2 Mis sold?
Hello all, Please bear with me as this is our first post and really not sure if we are on the right track or not? Since June 1988 we have had mortgages with the following companies - Abbey National 1988-1996, Halifax 1996-2003 & Nationwide 2003-2005 During the time from 1988 we had an endowment with Clerical Medical and…
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Cash gift from Ireland
Hello, I'm looking for some advice. I am in the process of buying my first home. My parents are helping out with the deposit by giving me £15,000. They are living in Ireland. I am Irish, but living and buying in UK. Do I need to pay any tax on this? Or do I need to just declare it? Would I need to pay/declare this in…
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Are these Solicitors fees excessive?
So i'm buying my wife out of her half of the house (Divorce) I've spoken to a mortgage advisor and he recommended a solicitor to handle this below is their quote...is it fair? Quotation for Transfer and mortgage Legal Fee Legal Fee £495.00 VAT £99.00 Disbursements ID fee and money laundering check £9.00 VAT £1.80 …
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Repossession finance - cash purchase, mortgage for renovation
We are offering on a repossessed property and aim to purchase fully in cash. The offer we have made is £225k and is currently the highest offer but we know we can be outbid at any time up to exchange. We would not be able to go any higher in cash. We are selling a property to a chain free buyer and own that property…
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Nationwide DIP worries
Hi everyone. This is my first post so be gentle please. I am a bit of a worrier and over thinker. I currently have a mortgage with first direct. We owe £85k, our house is worth £160k. We’ve racked up some credit card and loans so attempted to remortgage at £110k. This went to the underwriters and they declined saying we…
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£2.00 over agreed overdraft
Hello I am hoping to apply for a mortgage within the next couple of months. I intend to be out of my overdraft next month but to my horror realised today I have gone £2.00 over my agreed overdraft. I called the bank today (lloyds) and she said she didnt think it would affect my credit score as it was such a small amount…
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Redemption figure incorrect?
Hope someone can help, I will be ringing my mortgage provider on Monday but I want to make sure I am right before I make a fool of myself. We currently have a mortgage with NRAM (we were with Northern Rock before it went bump), and they have been sending letters for a good couple of years now advising us to move our…
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Selling & buying, Equity as deposit.
Hi All, Bag of nerves awaiting mortgage application outcome. Bare with this, long story, but leads to a worry for me, We made a conscious decision to move about a year ago and started lining up our ducks. We had a reasonably good credit score, some outstanding loans coming into there last year and small balances on credit…
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Work changes and mortgage approval
Deleted not now relevant
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Urgent mortgage help!!!
I applied for a mortgage back in June. I was due to start increased hours in September and the mortgage was approved in August with my new salary. I received a formal mortgage offer with no conditions. Roll on September and I have major childcare issues I was not able to start 4 days a week (from 3). This week I have been…
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Self Build Mortgage - purchased land deeds don’t match planning permission
Hi all, I’m currently in the stages of purchasing a piece of land that the vendor has full planning permission on. The only issue is that the vendor has moved the dwelling house forward to reduce the size of the site and after gaining a success non material change now wants to only sell the plot to a hedge boundary. I have…
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Remortgage
Hi, I have a mortgage with Precise and fixed rate will end 01/03/19. I will be applying for remortgage with another lender. I am thinking of Skipton. House value 275k (last valuation) Mortgage 105k My income £20400 Partners - CTC and CB £11332 Small amount of debt outstanding Very £400, Paypal £320 which are on buy now pay…
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Anyone Waiting on Natwest Application?
Hi folks Anyone waiting on a Natwest mortgage application? I have been waiting for this past 2 weeks. Broker phoned them today and they still haven't sorted the valuation? Broker reckons there's a backlog as everyone is trying to get applications sorted before Christmas. Natwest offering pretty god rate for 5 year fixed,…
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HELP! Buyer's solicitor not on mortgage lender panel
We accepted an offer on our house back in August, after a previous sale fell through so we already had a house we were purchasing and that we simply continued with when we got a new buyer. The buyer is a FTB and has been badly advised from the off-set. His mortgage is with Dudley Building Society, however his mortgage…
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Are we difficult to place?
Deleted... thanks for your help.
