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CeMAP
Hi, I am new to this forum, is anyone out there who’s gotten self study materials that they could spare for someone wanting to write the CeMAP 1,2,3 exams. Thanks in anticipation
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Getting husband off mortgage
Hi apologies if I'm posting in the wrong area but first time here seeking advice. Basically husband and I split 2 years ago, I moved out and rented while he stayed in the family home , kids went between us both. Last year he was in the process of buying me out then lost his job. I had to return to the house as he couldn't…
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Remortgaging
Hi everyone, I need some advice on remortgaging as our 2yr fixed deal with nationwide is coming to an end August this year. I am starting a new job soon so want to be able to show that I have been with my employer for at least afew months and wanting to pay off as much as I can on x2 0% interest credit cards before we…
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Barclays mortgage FTB 2019
Hello, I am wondering if anyone has applied for a mortgage with Barclays recently and can share their experience. Here is my story: FTB sole application 83% LTV I have a couple of arrears in the past 12 months which worry me but clear for the past 6 months Excellent credit score on Experian but only 2/5 on Noddle (Call…
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New build / shared onwership
Hi all, last weekend me and my hubby reserved a plot on a new build estate. We went back today to go over the book which explains buying the house from start to finish. We saw that the house attached (we are buying a semi and we are in the corner) has now been sold to an housing association for shared ownership. All…
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How much would you borrow?
Hi all, I am looking at moving in the medium term. My question is really regardless of what the bank will lend you mortgage wise how much does everyone feel is a comfortable amount to have as a mortgage either in income multiples or in respect of mortgage payments as a percentage of income? I am a bit nervous using some of…
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I got new mortgage offer from the bank
Hi to all , I have recently got the mortage approved from the bank and they have given me the offer letter ..the mortgage offer will last for 6 months , I assume they must have done hard credit checked on me . So , if i exchange and complete in the 5th month before the offer expires from the bank .. are the bank going to…
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Interest-only mortgages
Hi, I have two properties, one I let out and one I live in. I am looking to remortgage and was wondering if I could get two interest only ones? I currently have one repayment and one interest only. Thank you
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Broker wanted. Subprime?
Hey all, I'm looking to apply for a mortgage, would prefer a broker to help me. Income 26.5K and 17.5K Want to borrow 150k 20k deposit Current obligations; HP/ Lease Car £250 pcm, balance 18k - but won't be paying off as lease PL £240 pcm, balance 9.5k - paying it off as quick as I can CC - £80 pcm, 0% 18 months, £8k No…
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Stamp Duty query? Not sure where else to go.
Hi Everyone, I’m looking for some help in relation to stamp duty. I’m a First Time Buyer, who is purchasing a house with an annexe attached. I’ve been advised by my solicitors to seek out an accountant regarding my stamp duty - I have spoke to 8 different firms near me all of which are reluctant to give me a definitive…
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Charging Order on Mortgage shortfall
I had a court order (CCJ) against me back in May 2006 for £220k. The house was sold in 2010 and there was a shortfall of £35k. Yesterday I received an interim Charging order (dated 21/11/2018) from the solicitors of the lender dated 1/2/2019. Their application to the courts was at the beginning of Nov 2018. They used the…
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Mortgage_self employed income
Evening all, Myself and my wife are currently in the process of a mortgage application, looking to port our mortgage to support and move up the ladder. I am a permanent employee of multiple years and provide 95% of our family annual income. My wife is self employed and tops up our income when she has the capacity to, when…
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Carpets and cash incentives.
Hi guys, Just need some help on this one because I've been speaking to someone from Halifax and I just don't think the information he's told me sounds right. So we went to see a new build today and we were looking at 2 houses overall with 2 different builders. We preferred one house but decided one on based on the fact…
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Can I buy into a mortgage free house?
Hi, I have a dip for £170,000, my Nan is mortgage free and has a house worth £310,000. The house would be ideal for my family as it’s larger than our current house which we private rent. My Nan has asked me if it’s possible we buy as much of her house as possible then buy the rest at a later date which we would agree on if…
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What can I borrow? Mortgage help! I need to move!
Afternoon all! Can anyone help me!:) So I have my own 2 bed flat. It is lovely however I am currently paying £2k a year in management fees. This is fairly expensive for this area and this week I was told the fees are set to increase again next year. I am getting to a point where I don't want to pay such a large amount when…
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Kensington mortgage
Hi Our application was submitted on Monday 4th Feb, valuation was carried out on 7th Feb. They've just asked for our landlords details and P60 copies, any idea on timescales and any hints on what other documents they might ask for? I'm part time permanent employment and husbands 12 months in self employed on cis Thanks
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Kensington Mortgages
If anyone were thinking of going with Kensington Mortgages please don't, we had a horrible experience with them. They are alright whilst you are paying your monthly payment but when you don't..... My husband had to retire from work in July as his cancer had returned and he could no longer do his job. He was past retirement…
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How do I put my name on the deeds of my mothers house
Hi there - I wonder if you could help. My mother died last year and left me as sole beneficiary on her house - that myself and my husband would like to buy. However there is still a £92,000 mortgage outstanding which we intend on getting a re-mortgage for. Not only that my name is not on the deeds and we have been told…
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Sold buy to let for residential property I live in
Advice please seems unusual situation. 2007 sold an interest only mortgage but not until went to remortgage we found out we had been sold a buy to let not for a rental property but for the one we wanted to live in. Anyone? 🤔
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Will switching energy supplier affect remortgage application?
My fixed rate is ending in about 3 months time and I have already asked my mortgage broker to submit a remortgage application. He should be subitting it any day now. The question is, I want to switch my gas and electricity supplier. Should I wait till the remortgage application is approved? Will switching energy supplier…
