-
Need information ref Barclays mortgage taken out by elderly mother 1995
I’ve been looking on various sites trying to find out if there’s been any movement by Barclays over their shared ownership mortgage taken out in 1995/6. Need to move my mother to live with us, think on loan of £30,000 , house value £240,000 that she may if lucky come out with £73,500. I know about the interest free loan if…
-
Halifax family boost mortgage advice
Hi all, I am looking to take out a Halifax family boost mortgage where my father will put 10% of a property price into a savings account to offset me paying a deposit. We have been informed my father will need to take legal advice to ensure he fully understands the process, and before signing a Legal Charge over the…
-
Remove from a mortage
Good morning, nearly four years ago i got a mortgage with now my ex partner. I moved out the property nearly three years ago while she remained in the house. I had no Interest in the house and wanted to move on with my life so she said if I signed the house over to her that will be that. I signed the deeds over to her and…
-
Arranged overdraft percentage increase
Is my mortgage reserve account (arranged overdraft) liable to Barclays 35% charge ?
-
Should I stop using credit cards before mortgage application?
I have 4 credit cards. 3 I barely use and 1 that I use to make all purchases throughout the month. The full balance is paid in full every month by direct debit and ranges from 600-800£. Is it better for me to stop doing this and use my bank account for daily living costs?
-
Available mortages to me
As a bit of background I'm looking at buying a house with my wife but not until June time to give me time to save up a some more deposit. My wife has perfect credit history whilst I do not. I have 2 defaults: £110 Vodafone (satisfied) from 2016 £420 Credit Card (paying off) from February 2018 I've had a clean history since…
-
Court Entry for Satisfied DPP (DAS) - What Will Lenders Think?
Hi all, I've been on a bit of a debt recovery journey, having completed a Debt Arrangement Scheme (the Scottish flavour of DPP) in February 2019, and am now on my way to saving a deposit and applying for my first mortgage. My DAS kicked off in 2014, so I now just have a couple of defaults to drop off and my credit report…
-
Calculating how worth it ditching my fix could be
I've been playing with the ditch my fix calculator, which says I could be better off switching my 1.99% current mortgage, if I can get a deal of 1.66% or lower. I can, but given the difference isn't dramatic, I wanted to calculate how worthwhile it could be. Would be very grateful if anyone could help check my working and…
-
Precise offer and HTB
Hi All, Me and my wife have had an offer from Precise using the HTB :smiley: , now my question is how hard is it to be accepted for the help to buy equity loan? As you would imagine my wife and our credit rating s is poor! Do the Government credit check for the equity loan? Our offer has been sent out and now just waiting…
-
My first Mortgage Appointment over the phone (Please help)
Hi Everyone, I have my first Mortgage Appointment with TSB this weekend, the lady said she can do it over the phone saving me to go in the branch... I am 36 years old and this is all a learning experience for me, I would like to see roughly how much I am able to borrow, "Mortgage in Principle" Now I have banked with TSB…
-
Struggling to get my head round the mortage comparison tool
Hi, my deal is up for renewal this month, and I'm comparing 2 year deals. When I did the maths myself, I multiplied the monthly cost by 24 months, added the fee or £0, then divided by 2 years to get a cost per year. Doing that, I'm pretty certain the 2 year at 2.25% interest with no fee (monthly amount £358.47), works out…
-
New mortgage deal agreed for ex wife on joint mortgage without my signature
My Mortgage company have allowed my ex wife a new deal on a mortgage without my authority. i have put in a complain and taken it to financial ombudsman. Financial ombudsman cannot take a complaint on, unless there are 2 people on the joint mortgage complain, which is ironically what complaint is about. This new deal has…
-
Downsizing. Can I stay on the Mortgage / Go on new one
We are currently looking to sell our house downsize and move to a different area. Since getting our mortgage on this property I have become a Stay at home parent so no income of my own. Even with this the current mortgage is affordable criteria on just my husbands salary so by downsizing this is even more affordable but…
-
Vida Mortgage - Appeal?
Hi, this may be a little long winded so please bare with me! Roughly two weeks ago we applied for our mortgage on a HTB house via Vida... our broker placed us with them due to adverse credit on our files of which I will list below with some more info incase needed. 1 CCJ for £783 filed Dec 18 5 Defaults - One settled…
-
asbestos
I am re-mortgaging my house, the valuation said I had to have an asbestos report, Report has been done and it shows low risk crystalline in certain areas. The wording says 'Advised Actions
Manage - Condition and surface treatment are adequate for the material to be left in place. Asbestos
warning stickers may be…
-
Weir steel
We are looking to buy, we both have mortgages and have a large deposit who would lend the remaining, equity in both properties
-
TSB Mortgagesure
Looking for any information from people who have had dealings with LLoyds regarding old TSB mortgagesure payments, I began a claim last year and am going back and fourth regarding this, one minute i am being told it was Mortgage PPi then i'm told it wasn't. We took the policy out as my husband was self employed and it was…
-
Nationwide refuse mortgage application because not enough sales on the estate
Nationwide was fine with everything in our application until their independent valuer told them there hadn't been any sale for the last 4 years on the estate (we're in London Whitechapel). So they consider it's a high risk if they need to repossess. Anyone has been in a similar situation? Have you found a solution? Our…
-
equity release
Hi i am looking to release equity in my home does anyone know the best company to contact thanks
-
Switching Mortgage Deal
We’re currently looking for a new mortgage deal, we understand that switching with our current provider (Nationwide) would mean we don’t have to pay solicitors Feds etc. However over the past couple of years we’ve spent £70k renovating the property. From an LTV point of view we think the current value would take us from 65…
