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Solicitor Issues when clearing charge on house
Hi I was wondering if anyone could provide any guidance. So I sold a house 1.5 months ago and there were 2 charges against the property. 1. A standard mortgage, 2. A help to buy equity loan. There was more than enough equity in the property to clear both of these and leave a reasonable amount left over. So far:- 1. 2 weeks…
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Shared Ownership mortgage
Hi We have passed the affordability checks for a shared ownership property we viewed and are just waiting to hear if it's been allocated to us. In the meantime I thought I'd start making some enquiries about mortgages. I went online with Habito and gave all our information. They've emailed today to say based on our income,…
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Mortgage Query
Hi all! If anyone can help, I'd really appreciate some advice on mortgages and how best to proceed. My sister and I have a shared ownership flat and our mortgage has been with Barclays for 6.5 years. We now want to sell that flat and I want to buy a house with my husband. He is a first time buyer. Wondered if we are able…
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BTL Declined with Aldermore?
Edited to remove identifiable stuff
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Advice - applying for mortgage with credit card debt - should partner pay off?
I moved to London a while ago and took out some 0% interest credit cards to support myself while I got on my feet working in a low-paid industry. I'm now earning a respectable salary, but still have considerable credit card debt (12k). My partner sold a property overseas and is now looking to buy in London. She has enough…
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Advise needed on difficult house situation
Ok....it's a long story but the short version is: Unmarried couple split after a domestic violent relationship. One child. Both names are on the deed for the house. She currently lives in the house with her child and has accrued a significant amount of unsecured debt (credit cards, brorrowing from friends etc). She now…
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Single mortgage - partner with fair credit score
Me and my husband got married in November and are now buying a house. He is able to get a single mortgage and borrow in his name. I had a help to buy ISA set up which had some money in it which is going towards the deposit. I've signed a letter saying that it's a gift and I won't request it back. His credit score is…
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Remortaging - is the amount of money transferred supposed to be exact
Hello all We recently went through a remortage and the end of the process confused me slightly (and the conveyancer doesn't want to help). Basically, I was assuming that once the conveyencer received the redemption statment from our old bank, they would request that amount of money from the bank, not the full offer amount.…
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Mortgage Query
Hi all! If anyone can help, I'd really appreciate some advice on mortgages and how best to proceed. My sister and I have a shared ownership flat and our mortgage has been with Barclays for 6.5 years. We now want to sell that flat and I want to buy a house with my husband. He is a first time buyer. Wondered if we are able…
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Mortgages for the retired
Who is the best company to offer an interest only mortgage against main property where loan to equity is less than 15% and highest age is 66 for a 5 year term with 3 year fixed rate
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Re-mortgage advise needed.
Hi, Our fixed term mortgage is due to end in June this year. Currently the value of my house is £320,000 and I need a mortgage of £90,000. My wife is 53 and I am 50. In a few years time (hopefully 5) we are going to downsize and buy a property with no mortgage. At present we pay £700 a month on our mortgage. Due to I'll…
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Mortgage and matched betting
My wife and I are looking to move house. We have comfortably been paying our mortgage for the past 8 years without missing payment.Combined we are fortunate enough to be in a position where we can save between £500/600 per month. The mortgage we want is for a significant amount more than what we pay now but we have done…
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Getting my name off mortgage with arrears
Good evening, I’m in a bit of a sticky situation and looking for help. I have a joint mortgage with an ex partner. I left the house in 2014. All the payments were up to date. Since I left the house I’ve been in rented accommodation. My ex partner is still in the house. She has struggled with payments and the mortgage is…
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Remortgage
We remortgaged our house last year to get a better rate. We went back to the same bank. Should the lender have re-valued our house to give us a more up-to-date loan-to-value amount? In the two years that we had a fixed rate mortgage, we made quite a few improvements to our house (such as new windows and doors, rendering…
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Bank of Scotland mortgage prisoner - please help
I recently noticed on one of MSE's regular emails, some banks are helping mortgage prisoners which prompted this post. I have a 180k mortgage with Bank of Scotland which is fully up to date with no arrears or missed payments. However, due to the high rate it is on interest only and has been for nearly 8 years. I am 55 so…
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Correct advice from Natwest?
Hi all, I have done a bit of reading on the internet / these forums but I wanted to clarify as the advice the mortgage person i spoke to a while ago appears to be incorrect following what I have read on here / other sites. That said the way Natwest explained it did sound 'better' and correct, just after a bit of advice…
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Sale fell through, help please.
Hi, I hope someone can help us. we are first time buyers and applied for a mortgage in early December. It was agreed that same week with HSBC through a broker (who I would never wish to use again). The sale fell through today as the seller can not get his ex wife to agree to sell. only now aware that was the case. Has the…
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Mortgage - 2 Year fixed rate ending soon
Hi, My 2 year fixed rate comes to an end on the 1st May, but told I can start the process 3 months early which is the 1st February. I'm currently with the Bank Of Ireland, which was a repayment mortgage over 19 years with a 1.44% interest rate. LTV was 59% when I took out the policy. So..wondering what deals are out there…
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Mortgages with a history of payday loans
I am hoping to apply for a mortgage this year. The last couple of years I have been very good with my credit paying it off on time and my credit score is now 999 (highest possible score through Experian) However in the past I was very bad with payday loans using multiple companies very frequently and was very irresponsible…
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First Payment Aldermore Bank
Hi All I am due to complete on a house soon and wanted to budget for the mortgage payment. At present we are likely to complete on 1st Feb. Does this mean I pay 2 full months on 1st March or do I start paying in 1st Feb. Anyone who has had any dealings with Aldermore please let me know as I know some lenders give a grace…
