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New company accounts question for mortgage please help!!!
Good evening everyone Me and my husband are stressing out with our mortgage application with Kent Reliance (We have 3 small defaults that are all under £180 And over 3 and half years old) My husband has his own Ltd company to which we are both shareholders. The lender wanted our latest accounts before making a decision as…
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Endowment about to mature.....
Yes, I have an endowment and it's about to mature. My interest only mortgage is currently at 1.23% and it needs to be paid off about 5 months after the endowment matures. The amount will be more than £85k and will cover my outstanding mortgage when it pays out, so I don't want any discussion about that. What I would like…
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Advice which mortgage sub accounts to pay off with lump sum from endowment?
Hi, We have 16 months until our mortgage term ends. Part repayment and part interest only @4.24 % ,no overpayment penalty . Have already paid £6000 into the interest only sub account so we now owe £25000 on interest only , and £1678 on repayment part. Both @ 4.24% Have a lump sum of £20,000 from endowment to pay into the…
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Searching for a remortgage taking benefit income into account.
I am looking to remortgage to carry out some essential repairs and (if I can) do some upgrades. I’m currently on ESA and PIP with my partner in receipt of PIP and caters allowance. This gives us enough income to service the level of borrowing we want but because it’s sourced from benefits our existing building society…
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Nationwide Mortgage and Online Banking
Just a Quick Question to those who have a Nationwide Mortgage I already Bank with Nationwide and our Mortgage is soon to also be with Nationwide. I use Nationwide's Online banking app. Does the Mortgage show up on it in the same way the CC I have with them does on the App?
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Mortgages for defaults
Cut a long story short we have exchanged contracts and currently waiting to complete on our new build house purchased through HTB. As we have been delayed our mortgage offer has expired and therefore we are in the situation of either needing to ask for an extension or re-applying. As my partner has had defaults on his…
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New builds and mortgage completion
Hi, I am in the middle of buying a new build, i have a plot, AIP and i am currently in the process of applying for the mortgage with a view to exchange contacts before 9th March. I have a meeting with house builders for what extras i want in my house, obviously with most new builds this can get fairly expensive even though…
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advice and thoughts
hi everyone, im after some info and or advice/thoughts on my chances of getting my mortgage offer accepted. I currently have an AIP/DIP from Platform mortgages, through my mortgage advisor. Im applying on my own. Salary is £33800, current debt is £7140 on 2 credit cards, with a further 2 with no balance on them. Im using…
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sellmymortgage.co.uk
Any one heard of this company. They contacted me re my house (not interested BTW) but interested in who they are and what they are about as it seems a bit odd!
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Mortgage versus loan to pay off mortgage
So we have mortgage coming to an end with HSBC . In April we owe £12, 200 roughly property value is £206, 900 . Currently we pay £346: 52 a month can’t really afford more than this per month . What would be our best option to pay this amount off in quickest possible time at £ 340 per month . Confused by mortgages in…
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MSE Credit Club Mortgages
Has any indication been given when the mortgages will be added? Thanks
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Guarantor Mortgage
Hi all, I have an apt tomorrow with a broker as my parents are wanting to act as guarantors to get me back on the housing ladder after losing my home through a messy break up. They both work and earn over 25k per year. My single income is £40k per year and I’m currently renting at £820pm and can more than afford the…
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Remortgaging buy to let and releasing equity
Hi I’m planning ahead, I’ve got a few months yet, and wondered if anyone has done what I’m hoping to. I’ve got two mortgages, one for the house I live in and one buy to let for the property I let out. I have a similar amount of equity in each. They’re both up for renewal around the same time. I’d like to get some money out…
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25 year endowment matured in July 18
I have not cashed it in as I was told the value was protected. Over the next 3 months it gained £300 in value. Now it's lost £1 k. Do I leave it in or cash it in? Would really appreciate any advice.
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Offset - how to repay capital
Hi all, Moving soon and looking at options. Only ever had repayment mortgages, and thinking about offset as I have some savings and will be able to save regularly even after moving. My bank (FD) only offer interest-only offsets, how do others go about saving/investing to ensure the capital is paid off, and how to prove…
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Interest only mortgage
Hi , I have a interest only mortgage but want to change to a repayment . My house is worth around £150,000 and I owe £116,000 , I am 53 so have around 12 years left to work , Any tips or ideas would be very welcome
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Leeds Building Society- Credit checks
I am just looking for some advice. My partner and I had an offer from LBS on 24th January and have just signed the contract. We wait now for a completion date. I wanted to know if anyone had any experiences with LBS doing a final credit check before they free the funds. It has only been 2 weeks since the offer issued. Do…
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How much can I borrow?
I’m trying to work out the best way / how much I can borrow. I work 30 hours per week and earn £21000, take home pay £1500 per month. I have no debts and am currently living in my deceased father’s house paying only rates and bills. My my sister, brother and I have been through probate and the house is owned by the 3 of us…
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Remortage to invest
I've noticed that banks are offering very low fixed term mortage rates right now, e.g. 2.44% for at 10 year fixed mortage. I effectively own my flat outright (I'm paying off the loan to family members at inflation rate only). I still owe £34,000 and the flat is currently worth about £180,000 (I bought it for £126,000 in…
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Mortgage while on maternity - advice from brokers please
Hi, I am currently on maternity and expect to return back to the same role full-time on the same pay in June. My employer only pays mat pay for first six month so I'm currently on nil pay. We have a healthy deposit, debt free and are currently looking to buy. We met and talked to a broker about how much we could borrow. I…
