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Remortgage with the same lender
I want to remortgage my buy to let with the same lender and do i need the broker? The lender is together mortgage. Thanks
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Desperate mortgage help.....
Hi.. I'm hoping someone will be able to help. I've been divorced for a while, but am still on the mortgage of our old house. I am now looking a buying again, but need to remove myself from this mortgage. My ex-wife and her new partner are happy for this, however Nat West will not put him on the mortgage. The details are:…
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Product Change - devaluation
Looking for some advice. I made a £9000 capital repayment two years ago to reduce loan to value below 60% for lower interest rate. Product is now about to expire, having enquired about my loan to value the lender advises 64%, apparently the property has reduced in value £15,000 (roughly 5%). I know the local market well,…
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Natwest asking for adverse credit explanation
When a mortgage company like Natwest asks for a letter to explain adverse credit on an unused account - is this hopeful? Long story short, separated from husband. We both have our own accounts but he still has a few direct debits like he hasn’t moved and he doesn’t always put money in there to cover them. Meaning I now…
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How to complain about a mortgage advisor ?
I work for an IFA who employed an advisor and my husband and I wanted a small mortgage on our miortgsge free house for some renovation work. The advisor spent 2 months so far and we were at AIP for 2 weeks then he left the company and never proceeded with our application. The company spoke to the building society who said…
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Should I use cash deposit to pay off previous mortgage?
I am selling my house and buying a new one with my husband (who has no house but comes with a cash dowry :) ) Should i pay off my existing mortgage (£50k) with our combined cash, or just let the proceeds of my house sale cover that as it normally would? Can't find any info on this anywhere and spoke to our potential new…
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Can I change deal at point of offer?
I'm going through a mortgage application with Nationwide (valuation is today). After much deliberation I instructed my broker to go for the 2 year fix, I've now had a change of heart and want to go for the 5 year option. I understand it would be unwise to rock the boat right now mid-application, however when I (hopefully)…
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Remortgage
Hi there Just about to remortgage . What is the best deals out there with no fees? Thanks
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Mortgage & a new Loan
Hello all, I was after some advice . We currently have our house up for sale and will be looking to move house this year . We will need to borrow further on our current mortgage/apply for a new mortgage to be able to afford to upszie.... but will still able to put down a 70% deposit from the sale of our current house. I…
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Help to Buy redemption remortgage
Hey All, Have a Help to Buy 20% loan on our property and we're looking to remortgage and pay off the help to buy loan. I've had the RICS valuation today and should have the report in the week. I've just noticed on the target form they want information of the solicitor. Would we be able to use the solicitor the mortgage…
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Semi commercial mortgages
Has anyone got any advice on how to get a mortgage to buy a shop with a flat above? The shop isn't currently trading but we would reopen it and live in the flat upstairs. :j
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First Direct mortgage offer timeline - time from approval of mortgage offer to receiving documents?
Hi all I'd really welcome any experience of the timeline from the underwriters giving mortgage approval to actually receiving the offer documents from First Direct? The underwriters approved my mortgage offer on Friday 29th March and I was told I'll get a text with a code to access the email they send with the offer…
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Credit Card Mortgage Application
Hi All Would anyone happen to know how potential lenders look at credit card balances when applying for mortgages? I show a regular repayment each month, the last couple of months I haven’t paid off to full, but have made a big lump sum payment each month and now it is down to £0 having been paid off in March. My credit…
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Credit rating - how to undo a mistake?
Sorry if something along these lines has been posted before. In summary: - My ex-wife is currently applying for a mortgage (we're on good terms and are open with each other about things). - Last year, a credit card in her name that she/we hadn't used for ages had a one-off transaction on it for a pretty small amount (no…
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Local Search Dates
Im what one would call quite impatient but would love to get an idea of when we might be moving. Our solicitors advised us today that the Local search is due back on the 24th of April. Is this good time wise? I was hoping to move in May some time.
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Remortgaging on discount for first time buyers scheme
Hi there, looking for some advice please with regards to remortgaging on the discount for first time buyers scheme. My partner and I purchased our first home via this scheme through Cheshire East. It is not a shared ownership scheme, instead we paid 70% of the market value, however, when if and when we come to sell we will…
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Mortgage with gap in employment
Morning all, Looking for some advice from anyone who has experience dealing with this type of situation: My partner and I are looking to buy a house, we have the MIP with Halifax and the offer accepted on a house. The mortgage broker is engaged however due to some of my own circumstances has said we will need to apply as…
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Changing Payment Date
Hi all, New here as me and my other half cannot work out what to do about this! The mortgage and some bills come out of my partner's bank account monthly on 1st and I used to pay him my half of this on 18th of the month previous. E.g. I paid my half on 18th Feb and he paid the full amount due on 1st March I have changed…
