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How much do solicitors do before full mortgage offer?
So I am in the process of buy a shared ownership apartment. Got date of the evaluation today (which is now set for Tue 26th) but when I contacted my case handler at my solicitor today about something else and I asked if they'd heard from the HA (housing association) solicitors and he said he hadn't. Since time is tight I…
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Am I overthinking
Long story short, I have been accepted with a mortgage for Nationwide, completion will be July. However, I want to open another current account with my Partner which we will use as the bills account all ready for our move. Am I overthinking that setting this current account up will cause credit check and when Nationwide…
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First time remortgaging - advice please
Hi there I am coming to the end of my initial two year fixed rate mortgage. It has high monthly repayments at a high interest rate because of our 95% loan to value. Our lenders have sent a letter through the post offering their latest rates, which are almost as high. We are now down to 91% LTV According to them. This is…
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Mortgage Repayment Protector HELP
Hi, I'm looking for help or guidance. My parents had a Mortgage Repayment Protector on two occasions. One before 2003 and one after. Before 2003 my father had a hernia and was off work for 10 weeks. He says that they wouldn't pay when he was off and he nearly lost the house. He was forced to go back to work even though he…
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Bad credit history mortgage in Northern Ireland?
Long shot I’m sure but Can anybody recommend a broker/advisor in NI that specialises in those with a bad credit history? I doubt we will be able to get a mortgage yet as we both have history of defaults and stupid payday loans. We have a small deposit and a small joint income around 40k. Just wondering where we could go…
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New mortgage deal on mat leave
Hello all, I'm starting maternity leave soon and half way through will hit the end of our current mortgage deal. I am the higher earner by quite a margin, and since we last fixed, my husband has also gone freelance - he can prove a good income for the past few years and has never been without work. Ideally we'd just like…
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Lender Asking for Tax Return Self Employed
Our broker has been in touch today to ask for my husband’s annual Tax Return to be emailed over. In terms of checking our application, is this a good sign along with our Survey has been booked for Monday 25/03 Again I am always looking for some bit of light
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Liabilities of being a guarantor?
My partner of 17 years has been asked to be a guarantor against a mortgage for her parents as they are looking to move. The deeds for the property that we live in are purely in my name as it was transferred from my father however should she become the guarantor on her parents property / mortgage and they default then can…
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Interest only surprise
To cut a long story short, I've just found out/remembered that my mortgage is an interest only one. On a SVR. So two bad points there. Its been interest only for perhaps 10 years. I know that is really bad. I've run one or two of the affordability checks and I'm failing them due to outstanding debt - I have an excellent…
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First Time Buyer with Nationwide
Hi all, I'm a first time buyer, and currently going through the process of getting a mortgage with Nationwide. Back in January my mortgage advisor obtained a DiP with them for £185,000, based on the addition of the small amount of overtime I do each month. Since then I've found a house that I've had an offer accepted for.…
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Elderly Grandparents Mortgage
Hello, I wonder if someone can help me! My grandparents had a mortgage with a company that was taken over by Santander. We're not quite sure what happened but in 2001 their mortgage moved to Santander and they have been on a variable rate since then. I called Santander recently and asked why they weren't offered a fixed…
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One Mortgage disaster after another
Hi everyone, First post here. Has anyone been in this sort of situation? It feels as if it’s just one thing after another and I’m feeling incredibly deflated. I’ll include my timeline below. 2/2 - DIP with HSBC 16/2 - Viewing and offer made. 18/2 - Offer Accepted. 19/2 - Full application submitted 21/2 - Valuation booked.…
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Buy to let mortgage for non Uk resident?
Hi all :wave: I currently have a house in the Uk which I live in on a residential mortgage. I am currently considering moving to New Zealand and would like to keep my house and rent it out (Auckland property prices are :eek::eek:) Can anyone point me in the direction of where I can find info on buy to let mortgages that…
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Survey Instructed NATWEST
Am I silly to think it is good news just because we were advised today from Broker that the Survey has been set up for Monday....
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Which mortgage co is not associated RBS/Santander?
Hi, Are there any banks which are not linked or under the umbrella of Santander /RBS with regards to making an application for a mortgage. Thanks
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Mortgage possible?
I've previously posted but now have new info with regards to my borrowing needs and am looking for a bit of advice as I just can't wait until I can contact the broker in the morning. I would need to borrow 81k earnings are 23500 with tax credits of 15600 and child benefit 2300 debt of around 18k spread across CC and a loan…
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Becoming a mortgage broker?
This may not be the right place for this but I was wondering how I would go about potentially becoming a mortgage broker? I currently work for a bank in the HQ but I would love to be a mortgage broker. Is it something I could (at some point) do from home around my young family? How do I go about looking into this further?
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Mortgage Fee application refund?
Just wondered if it's at all possible to get a refund on a declined mortgage application fee?
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Keeping one house & buying another
Hello I’m new to this site but I’m hoping you can help with my query. My husband and I own our own home, valued at £190,000. We’d like to move to another property (on the market for £215,000) but are reluctant to part with this one, we’re hoping it will be an investment for our children (currently 14 and 11 years old). Is…
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Concessionary purchase mortgage with 2 jobs
Hi guys, Looking to take out a mortgage on my aunts house in the next couple of months. Currently me and my family live there and rent it from her. She does not live here or will be living here. House valued at £500,000 , aunt is offering me to buy it for £250,000 (50% discount) as we are very close and live on the same…
