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Finding mortgage
Hi, Just wondering if anyone has experience with zero hour contracts and mortgages. Me and my husband currently own a shared ownership home that we would like to sell. I earn £22,000 and my husband earns £16500 but is in a zero hour contract, he has worked the same job and hours for 5 years. Anyone got any experience with…
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Getting a mortgage after bankruptcy
I was made bankrupt 13 years ago and have been told I won't get a mortgage now from a high street lender. Has anyone got any advice? I'm pulling my hair out.
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Paramount Money / Oakwood
Hello, I'm new to this forum hoping someone can help me with this mystery... On Monday and Tuesday, I was searching remortgaging options, and contacted my existing lender, other bank I have an account with, and used the search tool in Money Super Market with which I had a phone call from London & Country and discussed an…
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Do I have to reapply for a mortgage?
Hi, My wife and I had a mortgage offer from a lender for a specific property in Nov 2018, valid for 6 months. The seller of that property pulled out of the sale at the last minute leaving us with a mortgage offer for a property no longer for sale. We have now found another property which is for less money than was…
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Property Valuation Survey by Lender has inaccurate information - what are my options
Any experts here for property valuation survey, please help! We’ve bought a house in 2017 and fully refurbished the property with new internal layout of open plan living area with rear extension and bi-fold opening into fully landscaped garden. Property is in quite a modern state with smart home controls and all services…
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Vanquis Credit Card - Mortgage Application
I am going to be going for a mortgage in 6 months time. I have a Vanquis credit card I use for petrol and small purchases. I pay it off in full each month. Today I realised Vanquis are owned by Provident who provide payday loans. I've never had one before. Would this affect my ability to get a mortgage having a Vanquis…
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New mortgage is higher APR
Hi all We exchanged last August on a new build. The initial mortgage expired. We now have a new one and the APR has increased. The housing developer has said they will review any negative financial loss and look at a good will gesture as this is the sec d mortgage for the same property. Has this happened to anyone else and…
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Kent Reliance Senior Underwriter
Hey Our mortgage underwritor has approved our latest company accounts and has instructed a survey which is being carried out tomorrow. Apparently we still have to go through the senior underwriters. Does anyone have any experience with this is it common to not pass the senior underwriters stage?? Please help!!!
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Can they take assets into account to borrow for a mortgage?
I know lenders can lend about 4 times your annual wage for a mortgage, but just wondered if they also took into account the assets you have to maybe lend more. I was going to let my house out which is paid off completely and worth 90K, and buy a house for 150K. If my wage is 25K then I could borrow about 100K towards a new…
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Mortgage Issues
This is my first time posting and I'm aware that my situation may seem a bit of my own making, but I'm hoping for some advice or very, very hopefully, some reassurance at best. I have a joint mortgage with my ex-partner (not married), who I separated from six years ago. I left the property with our children as I couldn't…
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Halifax Application Times Scotland
Hi, Was just wondering how long the full application with Halifax takes in Scotland. As we do not need another survey from the home report is it any quicker than in England? TIA
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Company Accounts Mortgage Application help!
My husband and I found a house we wanted to buy for around £650,000, we had £200,000 deposit. We had our mortgage approved in principle and our offer accepted, when trying to do our mortgage application the underwriter wanted 2 years of company accounts for a company my husband is a shareholder and director of but the…
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Mortgage without subsidence insurance
Hi all, I've found myself in an extremely stressful situation here and seems to be getting worse by the day. A long story short is that we have been dumped by our insurance company for non disclosure of something mentioned on the homebuyer survey we had done last year (as it was not asked about). The insurance company were…
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First time buyer mortgage with big deposit but income too low?
Hi, We're desperate to get on the property ladder but my partner appears to be making not enough money to get a mortgage despite a fairly large deposit of almost £100k. (My parents gifted it to us instead of inheritance when they are gone). Shouldn't this offset the income we're making somehow? Especially as we'd like to…
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Director Shares Mortgage Help
My husband and I found a house we wanted to buy for around £650,000, we had £200,000 deposit. We had our mortgage approved in principle and our offer accepted, when trying to do our mortgage application the underwriter wanted 2 years of company accounts for a company my husband is a shareholder and director of but the…
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Mortgage Dilema
Hi My Dad has bought a house and myself and my partner have moved in with our family to look after him in his old age, the house has been bought outright, and we are in the process of selling ours, we will then give him the proceeds of our sale but this is short by 60-70k for our share so we would like to be able to raise…
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Mortgage with defaults
Hi guys So ideally I am looking to get a mortgage in the next couple of years. Had some adverse credit in the past By the time of when I will be looking at getting a mortgage (February 2021) I will have 3 defaults left on my file. Natwest £3892.00 unpaid default date 01/02/2016 Natwest £52 unpaid default date 31/12/2015…
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Screwed up!?!?
CROSS POSTED Had an offer accepted on a house, £290,000... Mortgage applied for, £260,000 - this all went through with no problems. We applied directly with Halifax. On Monday, I had a moment of "I am going to be productive" as my partner and I wanted to open a joint current account, we had agreed to do this AFTER…
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Mortgage rates
HI, Im currently doing some research on UK mortgage interest rates. I keep reading that the 2 year fixed is the most popular option, but I can't seem to find any % figures on this. Does anyone know where I can find some actual figures? I want to know the market share of people going with 2 year fixed, and if possible also…
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Underpayments on mortgage. Help!!
Hi all, New to this forum but would welcome any advice. I'm in the unenviable position of being in the middle of a divorce & here is the position. I am in the family home on my own. My Ex now lives with her mother. My ex no longer contributes to the mortgage (yet wants to benefit from the full equity available at…
