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Pay off mortgage?
I am planning on moving house this year. I have the funds to pay off my mortgage now .( there would only be a small redemption fee) . When I buy my next house is it in general better to transfer my current morgage , which is a tracker on a decent rate, and use my extra savings to pay the difference in the property values…
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HSBC Credit Checks every time you update application?
Hi, Does HSBC keep credit checking every time you update anything in application (rate/product/additional borrowing etc). Ive been accepted just pending valuation on a remortgage but might want to just have some additional borrowing or change product between now and drawdown.....in 3 months..... Thanks
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Can I get a mortgage at 18
Hello I am 18 and have been working for 2 years. I have about £35000 saved up. The house i would buy would be about £100000 but would probably need doing up so I couldn’t use everything I have saved for a deposit. I earn about £15000 a year and I would be buying the house on my own. It is possible to buy at my age and if…
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If I remortgage with YBS - do I have to pay for my own solicitors?
It looks that way based on their current rates, anyone had any experience?
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Help to buy proofs
Hi I have previously asked this question in a different section but think it may have been the wrong area to ask in. I am looking to use the help to buy wales scheme to upsize. I have recently changed jobs and as such only have 1 payslip so far from my new employer. My broker has advised there are a few options mortgage…
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Experience with non standard construction lenders
I have had an offer accepted on a property of non standard construction. Specifically built with “wier steel”, many in the area have sold some with underpinning/outer leaf brick and some not. I have submitted to Halifax on the word of others in the area with the same houses, but I can’t help but feel nervous that it will…
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Hsbc
Hello :) Just a quick question really. Me and my partner recently went into HSBC to apply for a mortgage, we were very lucky and got accepted there and then for the mortgage (based on the valuation coming back ok!) We only needed a mortgage of 83% as we have a large deposit and the house isn't very much. I have scrolled…
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When is it safe to use CC or apply for interest free credit?
So I've received my mortgage offer and just sent the acceptance form back. If all goes to plan I should hopefully complete by end of April. However as the lead times on some of the furniture I want is quite long I'd like to order now. However if I do that I'd need to put them on my credit card until I get paid at the end…
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Tracker mortgage
Hi all! I’m taking out a mortgage with Santander (part fixed due to porting and part tracker due to being able to make a sizeable overpayment soon) When I overpay the chunk will my new payments be based on the new LTV or the one I’ve taken the mortgage out on? Thanks
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Elderly parents moving in
GF and I are buying leasehold property on a mortgage. GF wants to move her elderly parents in. Does mortgage company need to know? If we split up, will having them living there make it harder for me to get out, could GF and parents stop me selling?
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How Bank Valuation works?
Hello Everyone, I am very new to this forum and wanted to share my experience and confusion about the bank valuation I recently had, and hope someone could help with some advice. Briefly, me and my husband are 1st time buyers with a Right to Buy on an ex-local authority flat on the 14th floor in central Manchester (10mins…
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Mortgage chain round our necks?
need to delete
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HSBC Remortgage Application
Hi, Does anyone know if you can add the fee £999 to the loan? Also - with remortgages to HSBC, do I need to find a solicitor or not (considering whether its worth moving lender or not). 1.64 Two Year Fix with £999 fee, Lastly, does anyone know where I can find a calculator to see what effect adding fees does to the…
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Can I port BTL to residential?
Situation is, I want out of BTL, and put myself first. I want to sell my BTL and buy a residential. However I'm stuck in a 5 year fix BTL with virgin. Can I port it over as long as I buy somewhere within a short time of selling? Thanks for any info.
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Direct to Lender or Mortgage Broker
Hello Hoping for some friendly advice please :-) We are looking to sell our property this year to move to a bigger home since we have some equity. Our existing mortgage is with Halifax and our Fixed rate ends in September, hence, we are starting the process of selling/looking for a new house. We are both in full time…
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Negative Equity FTB
I have bought my first house for
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Halifax mortgage - Negative equity
I bought a property in 2007 and my mortgage is £65k I accepted an offer for £65k but this has fallen through. I now have another offer of £60k. Would Halifax let me sell for less than the mortgage? Would they agree to set up an arrangement for the shortfall? Does anyone have any experience of this? Thanks
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Legal fees for transferring existing mortgage into my own name from joint?
Hi everyone I’m looking for some advice regarding legal fees I currently have a joint mortgage with my ex husband. We are now in the process of putting the mortgage into just my name. The mortgage is staying exactly the same in all other aspects. My bank have agreed to pay £294 for their appointed solicitors legal fees I…
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Can I stop paying mortgage when ex refuses to sell house
I left my husband last year after domestic abuse. He still lives in the family home and I live with my 6year old daughter at my parents house. We have a joint mortgage and I am paying half which is £504 a month. He is now refusing to sell the house until I agree a 50/50 financial split. He won't buy me out. Do I still have…
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No costings for planned works
Hi, We’re having a really hard time getting a mortgage to buy the flat we want, not for any personal finance issues, but for what's become a very annoying issue with the property we want to buy. The building has some planned renovations due in 2020. The management company for the building doesn’t have costs for them yet.…
