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Principality Mortgage Application
Hi All, How long have people had to wait for their offers? We’ve applied to Principality, provided our remaining documents today. We’ve reserved a new build, and was wondering how long we are realistically going to wait? I’ve seen some people on here hear back from their lender within a day of the valuation! Thanks in…
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Mortgage on hourly paid contract.
I have recently been saving up for a deposit. I have saved around about 15k mark. I have worked the past couple of years on an hourly paid contract (minimum wage £7.38). Doing no less then 35 hours a week. Just looking for a bit of advice on whether or not I would ever be accepted for a mortgage in this type of employment.…
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Rule change to free mortgage prisoners could happen 'fairly quickly' - MSE News
There is “no reason to hang around" on introducing a new rule that will free up to 140,000 mortgage prisoners, the head of the financial watchdog told MPs today...Read the full story: 'Rule change to free mortgage prisoners could happen 'fairly quickly'' Click reply below to discuss. If you haven’t already, join the forum…
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Trinity Financial
Hi, This is a feedback thread for mortgage broker: Trinity Financial Please share your experience with other MoneySavers. Click reply to take part: - Was completing the online form easy (and quick)? - Were you happy with the results returned? - Was the process from start to finish smooth, or did you experience problems?…
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Early Redemption Charge
I'm really hoping somebody can help me. My ex partner and I paid an early redemption charge on our mortgage when the house was sold. I have since bought a new place and have taken on a new mortgage with the same provider. Because of that I am entitled to some of the money back that we paid in ERC however in order to get…
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Mortgage application with new bank accounts...
Hi folks, I have been with HSBC since my student days, a good 12 years ago, and still have this everyday account. I also have: - Virgin Credit Card (£3000 currently used of £3400 limit), 0% for 27 months (I have had this for about 7 months). - Barclays Credit Card (£0 used of £6000), I have had this for about 3 years,…
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Mortgage and zero hours contract
Hi everyone ,my husband and I are looking to move house, we have a mortgage, never missed a payment, my husband has a very stable job however I am on a zero hours contract. We are wanting a slightly bigger house, will be be able to get a bigger mortgage for a new place or will my zero hours contract stop that. I'm really…
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Removing names from house ownership
Hi I have a question regarding removing a name off a property. For example if there are 2 people who brought a house and had a mortgage how easy would It be for 1 person to remove their name from the house/mortgage? Will the person who's name has come off be able to buy another house? Are there any costs associated with…
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Natwest - remortgaging while in a fixed term
Before I contact my bank does anyone have any experience of this please? I entered into a 22 yr mortgage in Nov 2017 with a 5 year fixed term on a leasehold flat. The leaseholders now have the opportunity to purchase the freehold but at around 14k for my share I'd have to borrow. Can I remortgage while in a fixed term if…
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First Time Buyer/H2B Advice
We are looking at buying a new build property of around £400,000, we have the 5% deposit, so will be using the H2B scheme. In regards to the equity loan, what is the best way of repaying this? We have a flat (worth £80,000) that is being left to my partner in a will (within 5-10 years). (Understanding that this cannot only…
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Mortgage Broker Advice
My partner and I are first time buyers who are in the process of purchasing a new build property. We have spoken to a few mortgage advisors, Mortgage Bureau - who have been recommended by the housing developers, these do not charge a fee, but are whole of market and we have also spoken to HL Consulting - an independent…
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First time buyer Kensington mortgage
Hi We're first time buyers I'm employed and husband CIS for last 12 months. What can I get prepared paperwork wise for the application other than payslips, CIS statement and bank statements? Any tips welcome to speed up the process thanks
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Advice for director of ltd company mortgages
Good evening We are looking for some advice! We are currently going through a mortgage application with Kent Reliance (I have a default for £100 from 3 n half years ago)!so have to use them My husband and I have a Ltd company. Hes a director but im not We are both PAYE through the company as we want to pay our taxes every…
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Is my solicitor at fault for not removing bankruptcy attached to my house from previous owner m?
I bought my house in 2008, I am now in the process of remortgaging in order to have my ex partner removed from the morgage deeds. The land registry has came back that in 2007 the previous owner had a bankruptcy attached to the title however I was not made aware of this and the sale of the house went through. I cannot go…
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First time buyer with CCJ - advise needed
Hi, I’m looking for some advise about applying for a mortgage with a Satisfied ccj on my record, only recently i have discovered the ccj on my record although it was issued in April 2018 from a parking fine in May 2017, which brought my score down to ‘poor’. What are my chances of being accepted for a mortgage? I’ve been…
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Bluestone Mortgage Pre-completion
Bluestone Mortgages have accepted everything sent through to them and said funds would be released on Friday but asked our solicitor to ask me and my husband to give them a call. Does anyone know what they ask when they carry out a pre-completion call? Thanks
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Remortgaging
Hi all, my wife decided to have a look for a new mortgage deal as we are out of fixed term deal, we have been dealing with l&c brokers and they are recommending a mortgage company called Accord, i have never heard of them and wondered if anyone had any dealings with them or if I should speak to current mortgage…
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How much is too much?
I'm looking at buying somewhere with the other half. We're both 29. We've both got our own places with £95k of equity in total. Of which we are planning on selling one place and taking around £45k out to use towards the new place. Together we earn around £80k basic, with extra coming from my small side business and work…
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Remortgaging Advice
Hi, We are currently 3 years into a 5yr fixed mortgage with Nationwide. Here are the facts: Property Purchase Price 2016 - £187,000 Property Value January 2019 - £205,000 Balance on Mortgage - £150,000 Current Interest Rate - 3.29% Current length on mortgage - 19 years. Current Monthly Payment - £896 Cost to leave mortgage…
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Mortgage acceptance with poor credit score
Hi all....anyone else in a similar position? I was discharged 1 year ago from a debt relief order. I became a mature student with 2 children and just couldn't afford my debt repayments. I went thru Step change and my debt relief order went through with no problems. Since my discharge 1 year ago I have 2 very low credit…
