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Second mortgage with repayment agreement
Hi everyone First post so please bear with me and apologies if this should be posted elsewhere. I had been paying utilities based on estimates readings for several months due to the position of the meters not being generally accessible. I recently gave a meter reading which led to a large increase in the debit on my…
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Mortgage on a freelance contract????
myself and my boyfriend are wanting to buy our first home together, i work full time and have a salaried job. He works as a freelance instructor with a season depending contract, how do we go about getting a mortgage together? Will his freelance contract make banks less willing to give us a mortgage? if so how do we go…
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Changing lender costs for remortgage
Hi all, I just wanted to get some advice please on changing lenders as I have been with the same lender since I bought my house 14 years ago and just changed deals. Now after consulting a broker I have been offered a rate that's much better than my current lender but although the current fix ends shortly and the new deal…
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Shared ownership mortgage?
Evening MSE Its a struggle to word this so thanks for bearing with me! I think I want a shared ownership mortgage. No via a government scheme though. Whenever I google shared ownership mortgage I just seem to get government schemes. In short: I want to buy 50% of a house, and a family member by the other 50%. We would both…
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Slef Build
Many years ago i bought a small plot which i now have planning permission for a 3 bed house. The cost of the build is going to be about 120k i have 40k saved i cant find and uk self build mortgages i know i could go to a adviser but i wanted to know is there anything out there before i pay anyone any fees? did the search…
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Help to buy and proof of deposit etc
Hi :D I am looking to reserve a new build property. The plot hasn’t been released yet (looking likely to be March) I am still currently saving in a help to buy isa and also a regular savings account. The plot I want is due for completion August/September. I will have the minimum needed for help to buy bonus by 1st August…
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NatWest Mortgage 10% Overpayments
Does anyone know if the 10% is calculated at the anniversary of the mortgage or is it based on the previous years balance? If it is the former, and you had £66k left to pay, you could presumably pay £3300 in one month and £3300 in another and not breach the 10% limit?
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mortgage problems
hey guys. ok so my ex of 5 years wants off my mortgage, she would have been off by now had my credit score been ok. my lender (hsbc) wont let me take it on my own even though ive kept up payments for 5 years. a mate told me to go to a lender like ocean finance and pay a higher interest for a couple of years thus increasing…
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Adding spouse to mortgage
Hi , I would like some advise , my wife and I are separated and she lives in the family home , the mortgage is only in my name , she wants to put her name on the mortgage. The main reason for this is that I can’t get a advance on my mortgage as the only income earner as my credit score doesn’t pass the bank requirements,…
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darlington
Anyone got a mortgage with the Darlington building society recently ?? . How long did it take ?? Cheers Simon
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Delicate issue... need good advice!
[FONT="]Hi all,[/FONT] [FONT="]I have a fairly complicated and delicate situation which I need some good advice on please. My long-term partner and I are considering splitting up after a very long struggle, I won’t bore you with the details but we have not arrived at this decision lightly. I just need to work out…
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Much help requierd
Have inherited a lifetime mortgage from my late mother bless her totaling £163,507.76 so far am in the middle of selling her house to pay this massive bill didn't know about the ins and outs of mortgages and was also my mums carer for four years have accrued £12,235.76 in extra interest am struggling on universal credit…
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Remortgage - valuation fee after rejecting offer?
We're about to remortgage (for the first time). I can see some lenders offer free property valuation. But what if you have your property valued by the lender and then reject their offer? Would they still pick up the tab for the valuation? Or does it depend on the lender?
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Mortgages with defaults -finance advise centre
Hi, I have 2 defaults on my credit file from 2016. I am a homeowner of 14 years and I'm looking to move. I've been in touch with the finance advice centre. They have agreed a mortgage in principle for me, the fees are really steep I feel. Is this just what I need to suck up as I've messed up my credit score or is there…
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Working abroad for 1 year and buying a house in the UK
Hey, My boyfriend and I would love to do year working abroad in somewhere like New Zealand or Australia. We are very fortunate that we have a £100,000 deposit for a house sitting and waiting for us to use. My question is we are looking to buy end of this year beginning of next. If we decided to work abroad for a year. How…
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Mortgage term when different ages?
My husband and I are currently saving for our deposit, but are hoping to buy next year. We’ll both be in full time employment, but given the difference in our ages (33 and 52) are not sure what sort of term length would be available to us. Can anyone give us an idea before we try and find a mortgage advisor?
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Do / should mortgage reserves have FSCS protection
Hi All, I've just sent off another email to the FSCS after they chose not to reply to my first one and thought it might be a good idea to raise this query here too.... Please can you help me understand if my funds are protected or not in the following situation: I have a mortgage with Nationwide which tracks the Bank of…
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Solicitor fees. Feeling a little ripped off
First time buyer in Scotland, I'm near the completion stage, just to sign the legal documents and move into detached house soon. Received solicitor fees today and wanted to check if this sounds about right: <Firm Name> professional fee: £750 VAT: £150 Outlays Registration dues of Disposition: £360 Registration dues of…
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Mortgage Plan - Please Advise
Hi, I and my OH will be moving into our new build in May. We will be putting down a 5% deposit in the usual way. We are likely only going to be living in the property for circa 3-3.5 years. The rationale being getting the mortgage was (I) it reduced our ‘rent’ by half (ii) it was a really good deal in what we consider an…
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Proof of funds?
Hi there, This is my first thread here and I apologize if I am breaking some rules but I have a question and I hope there are plenty of people here who'd be able to give me some basic guidelines. What are the widely accepted proofs of funds when transferring money abroad? I mean, I am planning to buy a house abroad (both…
