Mortgages & endowments

Archives for July 2019

Mortgages / Airbnb
I was reading an article about Airbnb and your mortgage company and you will need to ask for permission. Providing you pay your mortgage every month why is it any of their business?
Need some advice on relative on deeds of house/mortgage.
Hi all., I've posted a couple of times about this in the past, but I'm in need of some advice on what I should do for my current situation Long story short, I co own a bungalow with my dad and uncle The uncle stopped paying his share of the mortgage and moved out about 7-8 years ago now and hasn't paid anything since He…
Mortgage rates and fee's confusing me!
Hi All So I haven't had to change provider by myself for a while as I have always had a broker for this for me - which means I have never had to pay a fee or solicitors fees etc. However, my broker has got back to me with some figures a few days ago for my mortgage that's due for renewal in October. I have done a bit of my…
Inheritance from EEA country
My partner has £5000 of inheritance money to claim in her native Hungary. We plan on using this as a small part of a deposit. Any issues with this?
All-in-one mortgage
I have been offered compensation for poor advice given towards the end of my all-in-one mortgage. I was given the option to reject the offer if I could show that I had lost more money than they were offering. The advice caused me to sell my house earlier than I wanted to. During a telephone call with them I got the…
mortgage provider address?
Hi, Stupid question here. I need to provide my solicitor the mortgage provider address. Do I give them the mortgage correspondence address, my bank branch address or the head office address? I asked my mortgage advisor and he gave me the branch and head office address which doesn't really answer my question! Thanks. San
Halifax mortgage - application to offer.
Myself and my partner applied for a mortgage yesterday evening (Tuesday) with Halifax. I am just wondering what people’s experiences were with how long it took from application to mortgage offer. The wait is going to make me so anxious 😬 TIA.
Fix rate term to come to an end
Hello people, My 5 year Fix term mortgage will come to an end in July 2020 and i would like to start looking at the options i will have, especially if i decide to sell my property and buy another one. This is a new territory for me and i would like to know how much i will be able to borrow and what will be my budget after…
Mortgage in principle
We are first-time buyers and looking for houses. For some houses, agents are asking to see a mortgage advisor even before showing the house to get a mortgage in principle. We recently saw a place and made an offer for which we did not get any reply yet but mortgage advisor from them contacted me and want to help us, they…
Being "added" to mortgage - rights in separation and potential prison
Hi. I'll try to keep this as factual as possible as it's a complex situation and I'd appreciate some advice as to how to proceed. My husband and I have recently separated. We have a son together and have agreed that my son and I should remain in the family home. Things are amicable and our priority is providing a secure…
Valuation instructed
Hi, I've had an app in for a little while now, I recieved an update that a valuation has been instructed. Is this a good sign? I read older posts saying this may happen first, before underwriting, but I'm not charged for the valuation. How does this work? Do they not lose if the credit checks / affordability Fail AFTER…
Mortgage brokers...
Can anyone recommend a good broker, perhaps those with experiences of brokers and having adverse credit. I have one default from 5.5 years ago. And based on other aspects of my credit report, I may need specialist help, can anyone recommend a broker to approach? I stay in Glasgow.
£150 compensation for Messy Remortgage fair? Optima Legal
Hello, ill skip most of the fluff :) In May I decided to remortgage with Barclays from another provider due to better rate. Barclays product included free legals. I started the process on 8th June with the legal company uploading all my docs in 24hrs. It then took them till 22nd to contact me. They said they needed to get…
Secured loan second charge is not who we pay
So, going back a few years we took out a Picture loan, who went bump. Moved to Webb, Idem and now with Mars Capital. We are now in position to pay this off using a normal mortgage to clear. But the second charge on the property is in the name of Endeavour Personal Finance. Therefore who gets paid??
My Barclays Interest Only Mortgage Term Ends in January 2020
I'm 64 and still working and plan to do so until I get to 67. I have had an interest only mortgage for 19 years with Barclays, which ends in January next year, and I currently owe £21k, which I've been paying off at £500 per month plus interest for the last 18 months. I got a letter from Barclays today, saying that I need…
Chances of getting a mortgage? Help!
Hello, I am looking to get my first mortgage at the end of this year, i am in the process of tidying up my debts. I dont have a great credit history, however, for the past 3 years, I have never missed a payment. I have one default from 2014 for 3k, this will disappear in May 2020. I currently earn 41k per year. 44k once I…
Help to buy mortgages
Hi, I'm after a little information. I am looking for a new build home of which I am going to do help to buy. Are banks more or less likely to lend to help to buy. By this I mean my mortgage company said the bigger the deposit the more chance of getting accepted for the mortgage because the bank has less of a financial…
New builds - maintenance fees
Just wondered if there is anyone on here who has purchased a new build as a freeholder and is paying a maintenance fee/service charge. What have your experiences been? My wife and I have found a place but we're put off by everything we've read about what some are claiming to be the next big PPI scandal. Obviously, the…
How to find a good morgage broker
I little background I have a really bad credit rating missed payments ect ect ( no CCJ) My husbands credit rating is better than mine but still not great . We currently have an interest only mortgage that needs to be changed to a repayment asap and is really worrying me as we are getting older with no means of paying the…
Extending an Interest Only Mortgage ?
I'm 59 years old, I have an interest only mortgage of c £188k due for repayment December 2020 and zero capital to pay it off. The house is worth c.£330k and plan has always been to sell, pay off mortgage and move to rental but ...... now the time approaches, I want to check out other options first. Would there be lenders…

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