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Offset Mortgage
Hi - Do any lenders offer an offset mortgage in joint names allowing the offset linked bank account to be in a single name? Thanks
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Using a secured loan as a deposit?
Me & my partner are looking for some advice on getting a mortgage. Our circumstances are that my partner is a first time buyer but i am not. When my Father passed away his money was left in a trust for me and when i was a teenager my Mother used some of that money to buy a house outright that was then held in a trust by my…
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First Mortgage
Hi all, I'm 26, just taking out my first mortgage, have an agreement in principle and a maximum budget of £175k ish. Its a fixed interest rate for 24 months, then onto variable at what would currently be 5.8%. My question is, am I right to think that after the first 24 months we could look at changing provider to another…
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Help - Relationship over. Can you remortgage to buy another home to live in yourself?
Hello all I'm after some advice please. I have found out my partner has been cheating on me with someone for a long time. We have been together 15+ years and in our mid 40s. We are not married and have two young children together. We live in England. We have a joint mortgage on our house which we bought together. We are…
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Morgage only Customer - TSB App setup
Hi, i have a morgage only account with TSB however whenever i try to set there online app up and register to use it i always get errors on there website. so since i set my account up in june 2018 I have called them and tried to get this resolved. I always seem to be stone walled with things like you need to call mortgage's…
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Mortgage in one name, house in joint
Hi, hopefully very simple question. Planning to buy a house with my wife (joint tenants) but just me take out the mortgage. It's affordable on my salary. Would that give the mortgage company (First Direct) any issues?
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Kensington Mortgage Company asking for docs AFTER offer - is this a formalut?
Hi, We've had a nightmare with our buyer's mortgage company, Kensington Mortgage Company. The valuation took around 3-4 weeks to arrange, then the mortgage offer didn't come back until 5 weeks later, despite the survey report being sent our a week after the valuation. They've now asked our buyers to provide a copy of the…
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Remortgage for the first time help?
I wonder if someone knows what is best in this situation. My partner and I are about to remortgage on our house (3/4 months away £325k total £36k deposit and finishing 2 year fixed ) Upon getting out first mortgage we was right up to the limit with affordability, we used a national mortgage advert company, our adviser said…
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Repay Help to Buy loan or overpay mortgage?
Hi, Ive recently bought my first home using the Help to Buy Equity loan. The house was £200k and we borrowed £150k from Halifax at 2.17% fixed for 5 years and took £40k on the Help to Buy loan. We are in a position to make additional payments each month but is it better to make overpayments to the mortgage over the next 5…
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Inheritance, buying a new house and selling wife's house - First Time buyer myself
**WE ARE GETTING MORTGAGE ADVICE HOWEVER LOOKING FOR ANYONE WHO HAS A SIMILAR EXPERIENCE** This is a long one but hopefully I might be able to gain some ideas if someone else has been in this situation. My relationship with money wasn't good when I was younger (my mums too was awful) and I ran up lots of debt. Over the…
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Is this a possibility?
The issue is:- Daughter and partner split. They have joint mortgage. She doesn't earn enough to take over the full mortgage. He does but does not want to live in the house. Could her brother take over the partners mortgage, leaving it in both our daughter and son's name. How difficult/possible would that be?
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Fixed term ending and wanting to move house
Hi All, Looking for some advice as this will be the first remortgage I will do. Basically our fixed 5 year deal ends in April, also me and my partner are looking into potentially moving house during this period as well. Hopefully for around the same cost as this house but could be more. My question is would it be better to…
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Rejected mortgage from Halifax - successful appeal?
My husband and I have applied for a new build using help to buy. My husband has 1 year of accounts and I work for my family run business as will be taking over down the line. Halifax has since rejected our mortgage because I work for a family run business which is part of their allowed criteria and my husbands 1 year books…
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Ditch my fix?
Hi, I have a mortgage of £94,099 with 31 years 7 months left. 19 months is fixed to 3.99%. With uncertainty ahead I have been weighing up whether to fix again early. My current ERC is £2820. I have put my numbers in the ditch your fix calculator and it says only ditch if you can get 2.03% without fees. The best offer i…
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Need help with consent to let!
Hi, I am hoping to move abroad in August to work for 2 years and originally wanted my brother to live in my house whilst away. The mortgage company said no because it’s family so I’ve asked around other companies as my deal is up in May/June but they won’t allow it as I won’t be paid in sterling?! My current company says…
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AIP / DIP / Mortgage Certificate
Like Title says, I am required to have Mortgage Certificate to reserve a house, I've spoken to Mortgage Advisor connected with that property developer and he did some calculations, meaning that I will be able to get right Mortgage Certificate for a dream (quality/value :D ) house, but becuase it was so slow, I went to bank…
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Confidentiality
Daughter and partner, join mortgagees, have split up. She needs to speak to the mortgage company. She does not want her conversations and intentions to be passed on to her ex. She is going to a meeting with an advisor on Monday. Would that Advisor be obliged to keep the conversations, confidential?
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Mortgage Application- issue with rent account statement
I've just submitted a morgage application with Magellan. This is the only lender available to me as I had entered into an IVA in 2015 which was satisfied in 2017. Magellan have come back with a query about my rent account statement. The issue is that I was entitled to housing benefit due to high child care costs up until…
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Mortgage help?
Ok, so I’m a 44 year old and for the last 7 years been paying my DMP. So I’ve had no chance to save any money. Me and my wife (who is 52) live in a housing association and have done for a very long time. Unfortunately our HA won’t allow us to buy the house, with over 25 years worth of rent paid in it (my wife lived here…
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[Metro Bank] Mortgage offer and Insurance Conditions
OK, firstly will be speaking to Metro Bank in the morning, but they are closed now, so thought I would see if this sounds familiar to anyone else. Mortgage offer has come through, all good and groovy, there is a Conditions Precedent which states: As part of the process we have had a mining search carried out, all clear, I…
