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Joint mortgage help
Hi all, Basically we are looking at moving house soon, our story is, 4 years ago we had to sell and move out of my wifes house and bought a shared ownership house in my name, due to being on interest only and not being in any financial state to be able to remortgage together as we also couldn't be financially tied because…
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Nat west aip spouse visa
Hi I am a British citizen and my husband has been here on a spouse visa since May 2015. His visa is due to expire next August where he will eligible for indefinite leave to remain. I have approached a broker who has got me an agreement in principle from Nat West. On the A.I.P it does mention something like 'lending may be…
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Help to Buy ISA for 'First time buyer'
Hi all, I have just a quick query - I am looking at the Help to Buy ISA's available at the moment, however they are saying you must NEVER have owned a property before. I purchased a property roughly 10-12 years ago and subsequently sold it a few years later - when I spoke with a mortgage advisor recently they told me that…
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What does ex-council estates' rented/private ownership ratio _actually_ mean?
Hi all, long-time reader first-time poster My partner and I are buying together in London and pretty much everything in budget is ex-council. Aware of the horror stories / good times, but taking care and it suits us for a first time home. We found a good maisonette on a well-arranged and leafy estate in Tulse Hill…
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Default from Southern Water
Hi All. Hoping for some advice. I applied for a mortgage with my partner yesterday and had a DIP :T but feeling anxious still. First issue is that my partners credit rating is not great, he has two defaults both 4+ years old. One for an unpaid phone bill (he opened a contract in his brothers name who subsequently didn't…
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Second mortgage
Hi. I need help. I'm separated for 2 years and I have joined mortgage with my ex. I moved out and renting at the moment but I want mortgage on my own. I dont think bank will remortgage house even she pay on time and never missed payment. But she have another loans what she can't clear up if bank ask her to do so. That…
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Mortgage @ 56 yrs, is it worth-it?
Hi all, I have a female friend who is renting at the moment but would love to buy her own home if possible. Her annual earnings is around the £38k figure and she is 56 years old. She is not looking to mortgage over £190k and has a savings of around £30k for deposit and any fees. It's hoped that she can get a mortgage for…
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Mortgage as a self employed as well as employed person
Hello, I am hoping someone might be able to help. I have finally got a deposit together and am hoping to get on the property ladder this year. I am 39 and I have 60k saved. I am employed on a permanent contract and my salary is £41,500 I am also self employed. I made only a small amount Year 1 (about £1600) but a much…
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HTB mortgage process & upgrades query
HI all, We applied through our local brokers and have gotten an AIP with both Natwest and Halifax for a mortgage of £151,720. We are due to meet the builders on Saturday to reserve the plot. Can anyone tell me the next stages of what we will need to do just so that i'm ahead of the game. 1) I'm guessing its full…
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HSBC pull out of mortgage 2 days before completion
Hello I have got myself (or have at least been put) into a bit of a pickle. And any comments or strategies moving forward are greatly appreciated! I had an offer accepted on a house in February which was in a pretty poor condition. Initially I discussed options with my mortgage broker for a bridging loan to buy the…
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Change of Circumstances
Hi, earlier this year I was made redundant from my full time job and I wondered if anyone could offer any insight or advice? Basically myself and my wife are handling the mortgage without a problem due to the bits of work we have picked up, plus I have a £14k redundancy in the bank so I have no worries unduly about ability…
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Self employed mortgage
Hi, my husband is self employed and employed both part time. We will be looking to move house in 2 years and I'm just checking what is required for the self employed info i.e. is it just the tax return doc from HMRCs site or do they need the back up too like, list of expenses/mileage? Also I read you need an accountant to…
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Mortgage conditions
Hi all Need something clarifying if possible , we have just been issued our mortgage offer and we are due to complete on the 28th June. One of our mortgage conditions was to pay off some debts that totalled around 2,000 within 30 days of completing and without borrowing further monies. These have now been paid but we are…
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Company director applying for a mortgage
Hi all. I'm unable to find this info on line. I have been in full time employment for years and have recently became a company director in a new business venture. I am still in full time employment with another company on a salary. Does anyone know how or if this would effect my mortgage application ? Many thanks all Matt
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Joint Mortgage with Parent
Hi All I posted recently about the Help to Buy Equity loan but I've also been looking into other options. Does anyone have any information/advice/experience of getting a joint mortgage with one of your parents? My Dad and I are speaking to a Mortgage adviser at the weekend but just wanted to get any info I can before then…
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Mortgages sold in run up to the finacial crash and subequent actions
Afternoon MSE forum. I’m currently in the middle of a case which has been brought about by a Mortgage Company Oakwood Home loans (originally GMAC) who have contact me via my sister about a mortgage I had that was repossessed during the financial crash. This company contacted my sister as they saw that my name was on her…
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Mortgage with Help to Buy Equity Loan
As I have not found similar threads thisismy story I have done joint full mortgage application on 13/05 and received mortgage offer on 30/05(valuation 20/05) 10/06 Help To Buy notified me that we have been approved for Equity Loan and received Authority to Proceed via e-mail (which I forwarded to builder and solicitor) and…
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Joint mortgage..do I need it
Our mortgage and title deeds has been always in my name as my wife is a house wife. Recently a friend of mine warned me that this might not be a good idea as if I pass away my wife and kids might be in big trouble. I was under the impression that a will should sort that out as it states that the property should go to my…
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Mortgage In Principal Soft check Lenders
Hi I wanted to obtain a Agreement in Principal But wanted to know which lenders do Soft checks. So I can Window shop around looking for the best rates with Banks/Building society. Please can anyone help me and supply me with a list? Thanks TheEffects
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Mortgage Mis-Selling - Mortgage.claims
Hi Everyone. Newbie here, so please be nice. Just wanted to know if any of you have successfully pursued a mortgage mis-selling claim and whether you was successful. about 12 years ago when I was young and foolish, I took out an interest only mortgage through a broker and no point was I advised about taking out any type of…
