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Mortgage fixed rate coming to an end.. advice needed please
Hi, I'm looking for some advice.. My partner and I purchased our property Oct 2017.. We have just received a letter from the mortgage broker we used saying we should make an appointment to look at deals before September. I'm a little concerned about looking for another mortgage provider as I'm currently off work on…
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Will getting sofa finance before completion affect mortgage?
The sofa finance has not started yet because we are not in our home. Would this affect my mortgage completion and do halifax do another credit check? Can anyone help me
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Will getting sofa finance before completion affect mortgage?
Will getting sofa finance before completion affect mortgage? The sofa finance has not started yet because we are not in our home. Would this affect my mortgage completion and do halifax do another credit check?
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Ybs mortgage application
Hi. Anyone recently had a mortgage with Yorkshire building society. Seen a house I want but looks like I'm going to need to offer more than initially planned for it so need to put more money into the deposit which I can't do for another couple of weeks when I get paid. Do they ask you to prove deposit ? Can't see it…
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Re-mortgaging while in a temp job contract
Morning all I am due to re-mortgage on my house soon, however, I was recently made redundant from my job role last Nov and have been temping ever since. Question is will I struggle to get a new mortgage deal from lenders if im still only in a temp job role at the time, should this happen? My partner is in a permanent part…
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Mortgage valuation concrete flat
Hi. We had secured a mortgage for a 2 bed top floor 1930s Art Deco property. The problem we now face is that the valuation, on behalf of Halifax, says the building isn't suitable for lending and even that it is of “dangerous” cdonstruction essentially not fit for human living. We informed the broker it’s a reinforced…
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Fair Credit Score & 3 defaults mortgage
Hi all, Looking to buy my first house shortly with a 10% deposit, and probably looking to buy a house in the region of 70-80k. I haven’t spoken to a mortgage advisor yet, but just wondering if I’ll get laughed out the door! My circumstances are as follows Income - £25k per year Credit score - “Fair” 721 I have 3x defaults…
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Mortgage Valuation
Hi guys, I recently been trying to get a mortgage and had it rejected due to the house having a timber frame with HSBC which is quite harsh in my opinion as I have bought a similar house just last year with the same timber frame. Now I am trying to see if any other mortgage company would possibly do a mortgage valuation. I…
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Shared ownership
I’ve had to pay legal fees on a mortgage that offers free legal because I have a shared ownership property. Is this right ? I feel I am being discriminated against does any one have any advise for me on this? Thank you Andrew
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Buying out my ex - am I being screwed over?
Any help would be enormously appreciated. I have recently split up with my girlfriend and we have a mortgage on out house which renders ownership of the house 75/25 in my favour. I put down the entire deposit of 50% of the value. I have then spent a further £15k on renovations. Following a recent valuation from a local…
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Remortgaging if out of the UK
Quick question to be honest, me and my girlfriend are looking to leave the UK but wanting to keep our property and potentially rent it out whilst being away (being away = long term - I have a job in Australia). Our fixed term mortgage will run out when we are out of the UK. We would want to change our mortgage provider and…
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House valued at £0 because it is HMO???
Hi, I would love to hear if anyone went through the same thing and what was the outcome. We applied for a FTB mortgage with Barclays. The house is currently HMO but we are buying it for us and it will be a single occupancy. At the moment the living room and dining room are used as bedrooms but we will break the wall…
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Co-own house with my ex - where do I stand re: my partner living with me
Hi, I'm after a bit of advice. Long story short but I co-own jointly a house with my ex. We don't have any children. We split up amicably 2 & half years ago, and continued to be friends. Due to numerous circumstances we decided to both carry on paying the mortgage, with me living there still. This was a mutual agreement. 6…
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Valuation done Thurs and no news I can't take the nerves!!!!
Afternoon all, We had the valuation done last Thurs and MA said yest it's showing it's with the lender but they haven't looked at it yet... MA has chased them today. I feel sick with nerves this is just horrible. This has been on going since Jan 4th... had to wait for our latest company accounts to be done 31st Jan... they…
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AWOL Broker advice
Quick question on what to do please: AIP received from Natwest on 31st Jan and full application complete. Valuation took place on 4th Feb on 6th Feb broker called to advise the valuation report was incomplete and she had been going back and forth with the surveyor's company regarding this, but they were going to send…
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Restrictions on using money from re-mortgaging?
Hi, I own a flat which has no mortgage on it and worth around £250,000. I have a separate business opportunity which would need an initial investment of around £80,000. Question - can I take out an £80,000 mortgage on my flat and then use that money to put into this separate business investment? I know people remortgage…
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Certifiers
If you don't know anyone on the Solicitors acceptable certifiers list what is the most economic way of getting ID's done?
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Negative equity mortgage advice
Hi all, So long story short. I bought a house in 2007 just before the big crash. As I was just out of a divorce I took an interest only mortgage. This has left me in negative equity of about 10k. To make matter worse my mortgage is with NRAM (Northern Rock). I have since remarried and live with my wife and rent my…
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Selling house when fixed rate term ends - help!
Morning all, I'm trying to weigh up my options before my 5 year fixed mortgage deals ends next year and was hoping some of you lovely people could give me some advice! My partner moved in with me last year but has a long commute so we we're considering a move somewhere between our two jobs when my deal comes to an end. Am…
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History older than 6 years
I recently applied for a mortgage, and having had a couple of issues initially, I ordered my "full" credit report. There was one default on my record, which expired in just about a month, so I waited until it was past that date, got my full report again and sure enough it had gone. I then applied for a mortgage, but was…
