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First time buyers advice
Hi - my partner and I have seen a house we would love to buy we have an appointment with a mortgage adviser on Friday, just looking for some advice if we have any chance before we get our hopes up. We both have good credit scores no defaults etc although I had 1 missed payment about 2 years ago I literally just forgot to…
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Do i bother applying with my history?
Hi All, I am just about to sell my property which was given to me by family after i invested in the work to convert the family home into two flats. The sale is due to close within the next month which is great. Seeing as i will be homeless soon:( I need to start looking for a property. I was looking to buy but was…
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Nervous upcoming Halifax AIP
Been lurking the forums trying to calm my nerves for weeks! Our story is this.... (will try and stick to the facts!) Partner owns a home (selling and using equity for deposit on new four bed) New home £305k 10% deposit but offering 15% if we need to (trying to keep some equity if poss!) Combined salary of £68.5k (actually…
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DWP/ UC setting people back financially - mortgage related [Merged]
I am posting more to vent than anything else, and maybe this will raise some awareness of how short-sighted the DWP are and how they are setting working people back financially rather than helping them. I separated from my partner last year and we sold our jointly owned house. Because I had to separate our finances my tax…
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equity release mortgage transfere of deeds
hi, my parents are transfering their deeds to me and 2 others on their home. They have zero mortage. The deeds will be split between 3 in a 33% stake each. All parties have agreed that i can do this if i want but i dont know if its possible. I currently have my own personal mortage. My parents will still live at the…
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Help to Buy New Build Scotland
Hi all Looking for someone to shed light on the criteria you need to meet for a HTB new build property in Scotland - Is there a maximum household income you're allowed to have before you are no longer eligible?
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Mortgage when Credit History at Parents' Address
I am applying for a mortgage through a broker and due to moving around frequently and back home when between flats, have always kept everything registered at my parents' address. I have been renting in London with a friend for the last 6 months and pay all rent and bill money to him, so have no credit history at this…
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Missold interest only mortgage
Does anybody know how to claim for a missold interest only mortgage
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Getting out of inherited house share
Hi, My brother and I own half each of my late parents house. He has been living in it since our father died a few years ago. When I moved away from the area, my brother suggested we sell the property, but now he's having second thoughts and may want to stay. I need my half of the cash tied up in the house as I want to buy…
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Mortgage with returned DD on bank statements
I’ve got a mortgage in principal and put in an offer for a property, which I’m fairly sure will be accepted, however I’m worried about being accepted for a mortgage as I’ve stupidly had my last 3 months Vodafone direct debits returned. I paid them all before each month was up so they won’t appear as late on my credit…
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Fixed Term Contract
Hello, I am looking for some advice, I have had an AIP from Halifax for £152k and have just had an offer accepted on a property at £171k. I have a deposit of £20k. I have spoken to an online broker and they are pushing for me to apply with HSBC citing that no one else will consider me due to my fixed term contract - I…
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Larger mortgage advice
Hi all, After a little advice if that’s ok? We are looking to buy a bigger house. Will be looking to increase our mortgage by about £150k. It is affordable and we have met with a mortgage advisor who has advised us of the available mortgages that fit our criteria, but what would everyone advise re maxing out the available…
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any Accord customers got a new fix recently?
We've been with Accord (Yorkshire BS) since moving house in December 2017, on a 2 year fix, so we are due to go on the Standard Rate in December 2019. Apparently they will automatically make us an offer of a new fix, no application necessary, no brokers, blah blah Between now and then I'm going to need a couple of grand, I…
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Deposit protection?
I'm transferring money deposit money to my solicitors later this week and it made the wonder about what protection is in place to protect my deposit should something happen to my solicitors before the money is transferred at exchange? Is there some sort of law that stipulates that solicitors hold the money in an escrow…
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Borrowing more on a fixed rate mortgage.
Hi, I have a fixed rate mortgage but would like to borrow more to extend the property. Is this possible on a fixed rate deal? We owe £138k on a house worth £260 K and would like to borrow 30k more. Four years left on a five year deal. Thanks in advance.
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Help to Buy Scotland with debt
Hello, I’m hoping for some help re what’s my best course of action to get a mortgage. My husband and I live in Scotland and we have seen a new build house for £199,000. The development is only about to start and we were hoping to be in a position to buy around the end of the year. We’ve been saving since Christmas and…
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Money received from ex used toward deposit
Hi I am currently trying to raise the money for my deposit and have asked my ex partner to pay back 2k that she owes me. She has agreed to do this but will this deposit of 2k into my bank raise any questions with the solicitor as part of any anti money laundering checks and will I have to ask her to provide bank statements…
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How long is the conveyancing process?
Mortgage offer received... Now in the hands of the solicitors..... Is 6 weeks a reasonable time frame? I am hoping to move in by the 1st June.
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Shared ownership but I have a CCJ
Hi everyone. Looking for some advice. I'm new to this so if I sound stupid, please try and educate me. I'm 30 years old and have been renting from the age of 23. Recently my parents died and I was left with inheritance of £60,000 after their house was auctioned off and the money was split between my siblings and I. I…
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Buying out ex partner
My ex partner and I bought our property a couple of years ago putting in equal shares. However, i was overpaying on the mortgage to begin with and put in £7000 more than him. Our deposits were £22500 each with a mortgage starting at £222k on a property we bought for £267k. We split up last year and he moved out. We agreed…
