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Interest on redemption figure
Hi, as a newbie here (first post), sorry in advance if this has been explained before (I did have a search but couldn't see the precise questions answered). I have got a redemption statement from my current provider Leeds Building Society for 1 August. The current three year fixed term deal (capital and interest) ends on…
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Nram together mortgage 2007
I have recently received some redress from an old northern rock mortgage taken over by NRAM, yes a whole £7! It isn't the first time they have contacted me to admit errors and having read a few things online I'm confused as to if I should be taking it further or if they have dealt with it. I'm missing some paperwork over…
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Mortgage refusal without clear reason
Hi all! I don't post here often but follow a lot of journeys and really could do with some advice. I purchased a property last month and was expecting a quick completion as it's just a small property less than 2x my salary. Anyway, I applied through the broker me and lots of friends have used previously (who's pretty great…
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Mortgage valuation taking forever!
Hi, First time poster! so I was approved to purchase a shared ownership property on the 22nd of May, the full application for the mortgage was put in on the 23rd of May and everything seemed to be fine. Had a call saying all was well subject to valuation which was being done off plan so was really happy. Fast forward 5…
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Birmingham Midshires pays compensation to mortgage customers - MSE News
Birmingham Midshires is paying compensation to some customers after wrongly calculating their monthly mortgage payments, and one customer has already received over £1,600. Here's what you need to know...Read the full story: 'Birmingham Midshires pays compensation to mortgage customers' Click reply below to discuss. If you…
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Advice needed - Feedback from Mortgage Valuation
Hi all, FTB here. We have applied for a mortgage though Barclays for a 3 bed semi through a broker. We are looking to borrow £126,000 from the bank and a surveyor has now completed the valuation on the property. Barclays have comeback to our broker and said: "Received survey report and unfortunately the property does not…
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Porting a mortgage for new home help?
Hi all,hoping for some answers as i have no idea with most mortgage stuff. Upshot is that we bought our first home over 2 years ago at a cost of 127k and we are looking into moving to different area that would cost between 260 - 300k Our house is valued at 140k, we have just over 2 year left on our recent 3 year fixed rate…
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Advice needed - transferring a mortgage?
Hi, Let me start by saying I have 0% experience or knowledge of mortgages and I’m a bit out of my depth in trying to find out the information I require. The situation is as follows. My Girlfriend’s Father has 2 years left on his mortgage, he has been paying interest only for a while now and still owes around £100k on a…
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Preparing for mortage application, Photo ID?
Hi I am just after a little bit of advise regarding preparing for mortgage application. I am a couple of months away from having my deposit together to be able to apply for a mortgage. I want to be as prepared as possible to save any delays down the line. I am aware that photo ID will be required, now the issue is i never…
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House being reposessed in 56 days
Hi, My house is being repossesed in 56 days. I have an outstanding mortage of £360k and the house is valued at around £650k. Should I not be able to settle the debt in the agreed timeframe, I take it the mortgage company can sell the house to recover their funds. My question is. would they sell for the minimum amount to…
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Downloading State Pension Forecast from HRMC website
Am re-mortgaging and Halifax are asking for proof of my future pension forecast - am registered on the HRMC website but when I get into the website and click on the link to my pension forecast, I cannot print off or download the forecast that shows it is related to me - I need a forecast that has my name at the top and…
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Mortgage repayment help
My husband and I brought a house with the help of his parents as they took £60000 out of their house for a deposit and we were advised from a financial advisor that when our house increased that’s how we would pay it back. With a market crash years ago (which made us get into debt) and low income we have only ever payed…
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Late payments on credit report/mortgage?
Hi So we are thinking of applying for our first mortgage, though I’m not holding out any hope that we will be approved for one. Hubby is 43 and I’m 38. We have £43,000 in the bank to go towards a deposit/fees etc My husband was in a job for 12 years but left last year and is now working for an agency. He’s worked every…
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Any success re. Nationwide mortgage appeal?
I had an appointment with Nationwide about taking over my current joint mortgage I have with ex and got turned down. The current mortgage payments, that he is still paying half of I can actually afford by myself. The fixed rate deal 1.79% is due to end February next year and if the mortgage were to continue, payments would…
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adversemoney
Just wondering if anybody has ever heard of them?
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Remortgage - help! 2y, 3y or 5y fix, offset or not?
Hi, Am in the middle of remortgaging my property and I just can't decide what option to go for. Have the option of a 2y fixed offset (1.45%), 5y fixed offset (1.89%), 2y fixed no offset for 1.35% or 3y fixed no offset for 1.55%. All options incur a fee of £1k. Current outstanding balance is £390k (LTV .40%) and aim is to…
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Missold Mortgage
I'm after some advice regarding a possible missold mortgage. Back at the end of 2008 we were on a fixed rate 2yr mortgage with a reputable building society. The building society wrote to us with a new"exclusive" for "valued customers" offer to swap our mortgage for a better lower rate one which we could fix for up to 10…
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Save or over pay
I have a query related to our Mortgage and particularly making overpayments. At the beginning of the year I opened a lifetime ISA with the Newcastle building society and currently pay £100 per month into this. The account pays me 25% bonus on deposits per month until I turn 50 years of age, I cant withdraw anything out of…
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Mortgage broker told us to hold address change
Our broker is helping us with releasing equity on a BTL property through a remortgage and using the funds to as deposit for a second BTL property. We have received mortgage offers from both lenders and conveyancing is in progress. Completion is expected by end August or early September. We are moving home in the next month…
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Bankruptcy and mortgages
Just wondering, has anybody had any experience getting a mortgage after bankruptcy? I was bankrupt Jan 2013 and discharged 2014... it would seem the 6 years post bankruptcy thing is based on the discharge date and not the actual bankruptcy date.. has anybody had experience getting a mortgage before that?
