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TSB Mortgage
Hello Just wondering if anyone has taken out their mortgage with TSB? Our application has been handed over to the underwriters on Friday because we recently got married. Curious to know how long it takes for a result. Desperate to get to the end of the process and get the keys! Thanks
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Mortgage switch with recent self employment: advice please!
Hi My other half and I have a mortgage with Natwest that was arranged 4 years ago when both of us were in permanent employment. We've both since been made redundant: I've been freelance since March 2018 and he's about to start a contracting role. We will be coming to the end of our current fixed rate in the new year, and…
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Mortgage at 63 years old....
Is it possible? Dinner break work discussion....lol At 63 is it possible to get a mortgage? Property £77k with a deposit of 10% Will be a second property(first property owned outright approx £129k) Will be keeping original property. Combined income £2500 a month (g’teed From pensions) In 3 yrs another £650 a month g’teed…
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Is this a bad idea?
Hi all, Sorry about the long post... My husband and I are thinking about moving out of our flat into a 5 bed new build house nearer to his parents. We both earn around £50k each. The 5 bed is the last on a site of 150 homes and the builder (Bellway) is offering 20% off list and paying the stamp duty. Other houses (with…
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Credit Score Dipped After Mortgage
I have just bought me first property and I've noticed my credit score has dipped, is this normal? How long does it take to go back to 'normal'?. I'm asking because I nee to take out a personal loan to buy a new car. How long do I need to wait before making an application? Any advice is greatly appreciated Thanks
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Halifax mortgage application with default please help!!
Guys, first post on this forum i just need my mind putting at ease :o , so here it is: Myself and my partner have applied for a mortgage with Halifax, i have a default from 2015 which i settled last year for (£70) i didnt know i had a default and was mortified when i found out and obviously settled straight away. We have a…
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What are the chances? Worrying times.
Hi, To summarise me and my partner are splitting ways and our house is being sold (hopefully) so we can both move on in life. She will get more equity from the house as she put in more initially, but swings and roundabouts my salary is much stronger so we are both hopefully going to be okay getting our own places. I have…
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Mortgage broker charges
Hi everyone I used a mortgage broker back when I reserved my property and got a mortgage offer for 6 months, which we were both aware would expire before I moved. I contacted them this month to ask if they could extend the offer and they stated they thought they could now get a better deal with another lender so went ahead…
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Buying into partners house plus equity
Hi I’m trying to understand how easy this is and whether it’s just a matter of getting the mortgage for a specific amount and involving solicitors for legal stuff. I’m currently living with partner and they own the house but have a very small mortgage on this. I would like to buy a percentage of the house which would cover…
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No cooling off period for a rate switch?
Hi all I recently switched my rate online with existing mortgage lender HSBC, I changed my mind the next day and called their mortgage team to discuss. They advised that when i ticked one of their boxes (didn't read it properly and yes i know i should have of course!) I had actually acknowledged that there would be no…
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Paying off my mortgage
Hello all, I owe at the moment about £20 k on my mortgage. Very soon I will be inheriting about £35k and I am thinking of paying it off. The question is, do you get a discount for paying it off early like you do with a loan. Kind regards colin.
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Mortgage with multiple employed and self employed jobs
Hi everyone, im hoping someone can help!! I am looking to purchase a home (fingers crossed) in a years time with my partner with around a 20% deposit. He has a full time job however my situation is a little different. I have a part time employed job with fixed days/hours, but also have a self employed casual job, and a…
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Going from 3 names on mortgage to 2 names with remortgage
Hi, I currently have a mortgage with my father and brother for our family home which we've had for 10 years and which we obtained by visiting a bank branch. My father is approaching retirement and has bad credit, and as we're on the standard rate we're looking to remortgage to get a fixed rate which is currently low (and…
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Gifted deposit from overseas - 'loan'
Hi everyone, I'm getting myself ready to start looking to buy my first flat in a couple of months, and I could use some advice. Briefly: I have a deposit of roughly 25-30% of the kind of property I wish to buy, and my parents, who live in Australia, have very kindly agreed to help me out further. However, as they have…
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Mortgage Affordability help
Hi all looking for some advice. Myself and other half have found ourselves in the position of needing to buy a house in the first half of next year as parents are selling the house after moving away. Buying a house was always going to be in our reasonably soonish future but this has brought things forward considerably and…
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Holiday right before completion...
Good morning! My family booked a surprise holiday for myself and partner, this was booked prior to knowing about our house purchase and by coincidence it's going to clash with the run up to completion. We are unsure if this is a silly thing to do but we would really like to take advantage of the holiday. We have a mortgage…
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Help to Buy Redemption Solicitor
Hi can anyone recommend a solicitor in the Greater Manchester area that deals with the redemption of Help to Buy equity loans? What’s the going rate?
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Broker recommendations
Hi I’m looking for suggestions for a broker that can help with my situation; Partners credit history is perfect. Looking to buy my mums property valued at 160k we have 10k deposit. My credit history is not so good. A repossession in 2009, Default 2014, CCJ 2015. I have been working on trying to rebuild my credit file for…
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Days away from mortgage submission, will applying for a personal loan effect my application negative
For context, I currently have £65k worth of debt, with 7.9% and 11.9% interest with two separate lenders. I am still able to afford a mortgage, but I would like to get my % down and would be able to get 2 new loads at the rate of 3% saving myself quite a bit of money. Would these new loan applications to consolidate…
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Buying private
Hello all, Is there any issues with getting a mortgage when buying a house privately and not through an estate agent? Potentially buying off someone that has had a house left to them and to prevent any EA fees to do it privately (via solicitors) Thanks - searched forum and couldn't find the answer
