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Potential data breach but who do i complain to?
Hi all I took out a mortgage 12 months ago. At the time of application, they recorded my DOB and middle name wrongly on the Key Product Information sheet. I sent them a letter to ask to correct it before proceeding. I had no confirmation, but assumed they'll make the change. It seems the mortgage provider have the same old…
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FTB Good Income Confused on Credit History
Evening Everyone, Looking for some advice on mortgage application with my credit history being a mixed bag. NO CCJs. Had a default 3 years ago over very small amount from Vodafone BUT it doesn't appear on Experian or Noddle? Had a lot of Pay Day Loans up until 2 years ago due to the breakup of marriage. Pre-approved for…
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black and white mortgage company
Hi can I still claim back PPI for a mortgage I had back 2000 with the black and white mortgage company ? , if so how do I go about it as I have no paperwork etc
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Surrendering my endowment policy
My 25 year Endowment Policy matures in September this year. I received the following surrender value today Value of Units £26224,19 Plus Terminal Bonus £20192.63 Plus reorganisation bonus £1389.88 Amount Payable £47806.70 When I spoke to them the other day they stated I would receive £47806.80 if I surrendered it. My…
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Variation in How Much Can I Borrow Calculations
I wonder if anyone can help me. Why is there such a variation between mortgage calculators online? I have tried entering mine and my partners salaries (no other information) on a few websites and have had and at most, a variance of nearly £100,000! The bank themselves always show higher amounts, but if I go to a third…
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DIP with CCJ - Success
Hi All, Wanted to share my experience here. Long time lurker who has perused these forums looking for advice on and off for 5 years! Partner has had adverse credit for the past 10 years. We now have one CCJ (will be removed in June 2019) and one default (will be removed April 2019) outstanding against his name. Have been…
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Equity release current residential for BTL?
Hi guys, I currently have 1 residential and 1 BTL property, I have a decent amount of equity in my residential to buy another small BTL. The problem is I have income that won't be accepted as income, trading is a form of gambling so is a no go even if I can prove I do it. Anyway would there be any ways around this, what…
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Income verification
I am going to be applying for a new mortgage very soon. My salary from employment is £32k.... And has been since I returned from maternity leave in September 2018. Due to being on maternity leave for some of this financial year.... My salary by the end of March (which will be one of the payslips I provide as proof of…
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Credit card applying for a mortgage
Hi, me and my partner are currently in the process of buying a house and applying for a mortgage with Santander. We have already got the morgtage in principal - due to a slight delay with pay slips etc, it’s been a couple of weeks since we got the mortgage in principal offer. Since then, I have had to unfortunately spend…
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Mortgage and salary increase
Hi all, i was wondering if you can assist. I am looking to get a mortgage. I have been with the same employer on a ful time contract for the past 11 years and have recently been given a promotion. I have been acting up to this job for the past year on a temporary basis but now have been made permanent in this role. I have…
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New mortgage deal before brexit or after
Hi all, I'm wondering if any of you are able to help, I got my first mortgage deal just under 2 years ago which was fixed for 2 years and is due for renewal in May, now I was wondering if I would be better off trying to get a deal sorted before May because of the brexit date that is approaching in April just incase…
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New mortgage deal before need it or after
Hi all, I'm wondering if any of you are able to help, I got my first mortgage deal just under 2 years ago which was fixed for 2 years and is due for renewal in May, now I was wondering if I would be better off trying to get a deal sorted before May because of the brexit date that is approaching in April just incase…
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Can I sell my half share to my daughter
I own a house outright with my ex partner . My ex partner still lives in the property with my daughter age 22. I want to relinquish my interest in the house and my daughter wants to buy my half . Is this possible ?
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Unempoyed due to sickness
I am currently unemployed due to illness. I am currently renting but I would ideally like to finally buy my first home. Im age 35. I will be looking to get back into work over the next 12 months due to my illness. I have £6000 saved up and I get £12,000 per annum. The property is £70,000 My credit score through Experian is…
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Offers been accepted :-) now what insurance do I need.
Hi all, long term lurker and decided to finally join the forum! My offer has been formally accepted on a property! I really felt I had done all my homework as a first time buyer. The broker from L&C started talking to me about insurance etc and I got confused. Please could someone point me in the right direction. I work…
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(Hidden) costs of Mortgages
Hi, I’m buying a flat (yeah!) for which I need a mortgage which is a bit scary (booh). I’m using a mortgage adviser as I thought that would make things easier and run smoothly. The reality is that I feel that I should have done better without. She sent me two different mortgages to consider and I asked what the costs over…
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waiting!
hi everyone, if anyone can shed some light and experiences on this id be very grateful. Full application for Platform mortgage was done last Friday. On Tuesday (5/2/19) I was aksed a couple of questions from my mortgage advisor, just to clear some simple thing up requested from mortgage. Valuation was done by Platform on…
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Mortgage equity downpayment?
Hi there, My mum has paid off her mortgage but is looking to take some money out to renovate her house, roughly £20-25k. She has seen an offer in a paper from Stonehaven offering an equity release loan with an interest only (5.89%) payment scheme. What concerns me is that the loan duration is 24 years and the loan amount…
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House equity downpayment?
Hi there, My mum has paid off her mortgage but is looking to take some money out to renovate her house, roughly £20-25k. She has seen an offer in a paper from Stonehaven offering an equity release loan with an interest only (5.89%) payment scheme. What concerns me is that the loan duration is 24 years and the loan amount…
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Landlord - Interest Only or Repayment?
I let out a property and have consent to let. The property is in negative equity, worth approx. £75-80k and mortgage balance is £88k, made up partially IO and partially repayment. 1) £10,203 - IO 2) £62, 153 - IO 3) £16,324 - Repayment All off the above is on a 2 year fixed to July 2020 at 3.29%. My query is - would I be…
