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Remortgaging with Credit Card Debt
Hi The two-year fixed term of my mortgage runs out in December and I currently have a balance on an interest free credit card. I'm currently paying the credit card off at more than double the minimum payment and the balance will be comfortably clear before the interest free period runs out in June next year. I can just…
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Oversees source of gift
I am trying to get together as big a deposit as possible and my partner’s family have offered approximately £15k to assist with it. This will come from a bank account held in a EU country. Any issues with this? It will be inheritance money from a close family member passing away.
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90% LTV New Build Shared Ownership
My mortgage broker has told me that there is no such product. That effectively there is no lender who offers a 90% LTV Mortgage for New Builds on Shared Ownership scheme. Is this true? Does anyone have any insight into this?
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Broker too confident?
Hi, I'm a nervous first time buyer hoping that someone can reassure! I had an offer accepted on a property last week that I really love, but the mortgage offer process is absolutely frying my nerves. My broker was really confident based on what I'd told him that we would be approved for the amount we need, but a few things…
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Mortgage regrets
I’ve recently moved in a property with my girlfriend and absolutely hate it and want out we’ve only been in a month and a half and don’t want to be there what can I do about it is there away to get out of a mortgage asking here before going for legal advice I’d rather just rid of property and mortgage was a decision I wish…
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Land Registry ST5 Question 4 help please - husband has died and we were tenants in common
Hi all I hope someone might be able to help. My husband sadly passed away earlier this month from a sudden unexpected heart attack. I have been sent form after form after form and my brain cells are struggling to cope. My mortgage company contacted me to ask who is dealing with the "estate" as apparently we have joint…
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First TIme Buyer - Application fears, scared of approaching a broker
Hi everyone, I've recently posted this but I'm hoping to get another fresh perspective from some new people or people currently in a similar situation to myself. I'm a first time buyer - or at least, I want to be. I've found a house I adore, its £115000. But I am absolutely terrified of the idea of applying for a mortgage.…
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Remortgage deal
Hi Guys, I need your help regarding remortgage deal Santander 1.79% deal with valuation or HSBC 1.89% without revaluation. Due to Santander valuation my LTV is 3% less because of current market conditions. I am currently with HSBC 2 yr fixed term and they have a rate with 1.89% which doesn’t need valuation. Please guide…
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Difficult early remortgage decision!
Good evening all, First time poster, long term lurker and looking for some advice regarding re-mortgaging early. We currently have 1 year & 9 months remaining on our introductory deal (31 years & 9 months total), meaning we would have to pay an ERC which would be added to the mortgage total. Property Value = ~£275k…
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Holiday let mortgage - inerest only
I'm going to be starting a new job soon and have to move house. I want to keep my current house and holiday let it and buy a new one to live in. I want to port my current mortgage to my new house and take out a new mortgage for the holiday let. There should be enough equity in my current house to maintain 25% deposit for…
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CCJ's and mortgage's
Hello My husband and I are saving for a house deposit as first time buyers. He has 3 CCJ's unsatisfied on his file. They will have been on for 6 years in April and subsequently drop off his file. Will they still show as a 'debt' as they're unsatisfied after the 6 years or will they completely disappear? How long after they…
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Ipswich Building Society launches deals aimed at freeing 'mortgage prisoners' - MSE News
A building society has launched a new kind of mortgage deal which could help so-called 'mortgage prisoners' by making affordability checks less strict for borrowers trapped with their existing lender...Read the full story: 'Ipswich Building Society launches deals aimed at freeing 'mortgage prisoners'' Click reply below to…
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First Time Buyer - Questions
Hi, I have a few questions and was hoping someone would be able to assist in answering them; 1), How feasible is it to be successful in obtaining a mortgage with multiple defaults on my credit file (3+)? 2), Will my credit score impact my ability to obtain a mortgage? 3), My annual salary is around £28k, “starter homes” in…
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access to the rear of property and mortgage offer
Hi everyone, We're first time buyers and we have been offered a mortgage from Barclays. It was all going great, we were almost exchanging the missives (there was small issue in there so we had to wait until solicitors will change it). Suddenly our solicitor decided to contact sellers about the rear of property, there's a…
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Duplicate thread. Please ignore
Duplicate thread. Please ignore.
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have I made a mistake after exchange but before completion??
Hello. New to this so bare with me but I feel I need some reassurance or a reality check. I'm a first time buyer and exchanged contracts on Friday of last week. My mortgage offer is with Barclays & we're due to complete next month. I have STUPIDLY taken out 2 cash transactions on my credit card ( both of small amounts £10…
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Mortgage Options for Mums House
Hi, I am looking to get some advice in regards to my mums house and her mortgage. Unfortunately my father passed away a few years ago and since then I have been helping to bring my mums mortgage down. My mums mortgage came to an end last year June where we had 125k and I brought this down to 100k and was given an extension…
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Consent to let - NatWest
Accidental landlord. I've just received a letter telling me that NatWest are introducing a £120 fee to cover their risk from granting a consent to let some ten years ago. Never missed a payment & mortgage is 10% of property value. Ten years ago I paid a one off fee of £100 & nothing since & I've seen letters from last year…
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Moving to Canada - my mortgage
I have recently been granted a visa to move to Canada, which means I will probably be leaving the country April/May next year. I am currently in my 2nd year of a 5 year fixed mortgage deal on my first home and just looking for help! I have informed the mortgage company and they have advised I can get a "consent to let"…
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NatWest Redressing Poor Advice on Term
I want to gauge your advice please. NatWest have contacted me to see if there was any incorrect selling of the mortgage they did for me in 2012. They have concluded that there is a need to redress the fact that we weren’t offered an illustration of how what the terms would be for the mortgage to finish just before my…
