-
Offer accepted - changing jobs
Hi all, Our house had been sitting on the market for a little bit, and quite honestly I wasn't expecting it to sell before well after the holiday season. I was offered a new job starting 2nd January & accepted the offer. We have now however just sold the house & our offer on the house we were interested in has also been…
-
Northern Rock/NRAM mortgages
I'm hearing that customers who had their mortgage transferred from Northern Rock to NRAM may have a compensation claim due to being made to stay on an unfair rate and not offered new business!? Anyone know any more or how to go about putting in a claim?
-
buy for uni mortgages
We've been reading about the Buy for Uni mortgages offered by the Bath and Loughborough Building Societies. They might suit wealthier families than ours, but we do have savings to help our 18 yr old at Sheffield Uni who has 3 more years at Uni after this year. They sound risky, but might offer us a way to get one of our…
-
Mortgage with 2 titles on the same vendor name
Hi, I have put an offer on a single detached property which is separated as a two flats , one in ground floor and the other in the first floor. Both have individual kitchens and entrances separately. Now I interested in this property but getting a loan on a single property but with two titles attached to the property…
-
Barclays Mortgage Application - FTB and SCARED!!!
I called up barclays to obtain an update regarding my mortgage application, I have been told that the risk team/underwriters are reviewing my application. I was only asked for payslips? is this normal? and why has it been taking more than 3 days to obtain an outcome? I welcome any aid..!!! Thanks in advanced.
-
Mortgage with defaults
Is it possible to get a first time mortgage with 5 defaults between us, the latest one was 2015. They are from us joining Stepchange but because of inheritance we have been able to pay all debt off and have a large deposit. Went to a broker and got turned down for HSBC straight away, he's offered Precise but should I do my…
-
platform
I have just received a letter from an old lender, Platform. This mortgage was redeemed back in 2014. The letter sates that on my offer they had stated that any additional borrowing would be charged interest at the rate at the time of the additional borrowing. So they now want to know if I paid an early repayment charge…
-
Mortgage Over Payment Advice
Hi there, First post, so hello to all. My girlfriend and I are wanting to make an over payment on our mortgage for £5,000. We have our main mortgage of £84,000 (£745 a month) and we also have some additional borrowing of £12,500 (£395 a month). The main mortgage has 3 and a half years left before the term comes to an end…
-
Best way to raise funds when retired
My dad is retired and has no mortgage. He has skin cancer and 2.5 years ago was told he'd probably live around 5 years. Currently, he is healthy and strong and there's no sign of the cancer spreading, but we know it's only a matter of time. He wants to raise £60K to do some home improvements and travel. He has a state…
-
Credit card balance - application
Just looking for some advice. I am going to be applying for a mortgage in a couple of months. I currently have nothing at all on my credit card. I just wondered if there is a balance they would just not consider in the application as it would just be general months spending to be cleared in full? For example, if I had £700…
-
Mortgage help - taking over a parents mortgage
Hi there, I wondered if anyone could help me with a mortgage query that ive not necessarily been able to find on the forum. My dad has a 3 bed house which has approx £50k left on the mortgage. He is struggling financially and just about making mortgage repayments. The house is currently in a horrendous state - like a…
-
Releasing equity - affordability check
I was wanting to find out if it’s possible to release equity on my current mortgage, assuming the value has in fact gone up, without an affordability check? My LTV was 90% so assuming the value has gone up would it be possible to draw some equity out considering my salary has gone down since the initial mortgage? This is…
-
When will mortgage show up on my credit file?
Hello All. Any advice or tips would be very helpful. I am due to complete on 23.12.2019. I am a first time buyer and my experian credit is currently on 929. I want to apply for a 0% purchases card so i can buy a few items for the house, but I was wondering when is the best time to apply for a new credit? Should i do it…
-
Mo
Hi there I'm buying terrace house from housing associations through right to buy everything went all right mortgage etc. Now my solicitor send me email saying housing associations got overage provision on obviously my lender is refusing to accept overage. My question is which lender accept overage provision on mortgage?…
-
Question for Mortgage Brokers could I ask some advice? Which adverse mortgage company?
Hi everyone! I hope this is ok but I just wanted some MB advice on which adverse mortgage companies they would choose over others based on experience. We have been placed with several companies which include Precise Kensington Bluestone The Mortgage Company Vida Home Loans They are not dissimilar in what they offer but…
-
First time buyer advice please
Me and my girlfriend are looking to buy our first home in 2020. We have looked at a lot of properties in the local area (which luckily are not horribly expensive) We are looking at buying a 3 bedroom mid terraced property between 75k and 85k. At the midpoint of next year we will be in the position where we have; - A…
-
Bank overcharging interest
Hi, My husband and I have been banking with First Direct since last November. We realised around August time that even though we pay by direct debit, if they are late taking the direct debit they have been charging us interest on the interest. So far, in less than a year the amount is over £1 which may seem low but that is…
-
Release of Equity from
20 years ago I took out a mortgage with my mother to purchase a new home. I am now in a position that I would like to remortgage solely in my name (due to my mothers age) and release the equity from the property. However it would appear that my name was not ever on the title deeds as co-owner which makes the process far…
-
Mortgage or use investments
Hello I am purchasing a house for £260k following splitting with partner. He is buying me out of the house so the majority of the cost will come from that. My question is I have stocks and shares ISA which I could use some of it to pay the balance (about £50k) and still have savings left. The ISA is currently paying about…
-
Single Skin wall property failed credit score with HSBC
We've been trying to buy a house since September. TSB was our original lender but wouldn't approve a mortgage as there's a single Skin wall in the kitchen. We failed the affordability with the Halifax due to our baby and failed the credit score with HSBC. Have we exhausted all possibilities?
