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Repaying mortgage early
Any mortgage expert on here? I have a mortgage which is made of 2 parts (For the same property). One on repayment and a second one which is part repayment part interest only. The first one cost me ~£590 per month, the second one ~£180 for the repayment part ( I have been doing some extra repayment on this) + £51.50 for the…
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Looking for Interest only Offset Mortgage
Hi Just looking for a direction really, the title sums it up. Want to find a mortgage for 5 years LtV of around 10%. Thanks Paul
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Mortgage approved subject to valuation
Yay! After 3 weeks of messing round chasing paperwork we’ve been told our mortgage is approved subject to valuation. Are we pretty much home and dry? They’d have to downvalue the house by 30k to effect us now so I’m hoping that that’s it and we’re on the verge of getting through the mortgage process!
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Aldermore Mortgage Help
Hello, Me and my partner are first time buyers, I have an Excellent Credit score, my boyfriend not so much around 610 on Experian - due to an unpaid student overdraft around 1.5 years ago (innocent mistake unfortunately). He possibly had an issue with a Broadband Bill however it hasn't shown on any credit report. Other…
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S106 Agreement - Remortgage
Hello Guys, I am currently with Leeds Building for my current mortgage, the fixed deal is ending towards the back end of this year and I am looking at trying to organise my own re-mortgage. Does anybody know of any lenders that are familiar with the S106 or even offer mortgages against it? I know when we initially were…
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Mortgage maths help
Hi All I need help to understand the maths with my mortgage options. A bit of background is that in early 2018 I remortgaged with TSB and because I find the whole process quite stressful (leaseholder) I opted for a 10 year fixed at 2.49%. I was happy with this at the time but now obviously realise that it probably wasn't…
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Bad Credit Mortgage Broker
Hi there, Looking into the prospect of a mortgage, i have bad credit on my file due to a previous partner, this went to default but back in 2016. I realise that this means i need a specialist broker, so could anyone recommend anyone that i can contact that could help with this? Any help appreciated. Thanks
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Broker advice over IM or email
Unfortunately, I have a nervous condition which makes it extremely uncomfortable to have face to face or telephone conversations about matters I'm not well versed with. Are there any mortgage brokers out there who can give advice over email or instant messaging?
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Car Finance & Mortgages
Hi guys, Does anybody know whether the type of car finance I apply for before applying for our next mortgage will affect my affordability? For instance I lease my car at the moment and it will expire in Sept, and we’ll probably be looking to move house after this date as we are expecting baby #2 in Sept. Buying a car isn’t…
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Massive Mortgage Savings
Martins new email, saying Vicki has posted on facebook, that ""Just gone from 4.5% to 1.5%, fixed for 5yrs, saving £350 per month. Even stayed with the same lender, so saved all the fees involved in moving too" I think Martin has missed a trick here by not saying to Vicki keep paying that extra £350 a month as an…
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Mortgage - Relationship Breakdown
Hi all, Sorry if i put this in the wrong place, just looking for a little advice really, i will try keep everything quick and to the point. Moved into a new house in April 2019, 50/50 Mortgage split, 5 year deal Value - 90k Deposit - 5k (she paid this in full) Since then, i have put a lot of money onto a 0% card (furniture…
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How easy is it to underpay mortgage ?
Hi all I’m trying to figure out how large an emergency fund I need. I’ve overpaid my mortgage a bit (Halifax) and understand I can therefore underpay to that extent in future. So slightly smaller emergency find needed. How easy is this really ? Is it just a phone call and cancel direct debit ? Can they refuse ? Does it…
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Preperation to buying first home, need help.
This may be a long post so I'll start by thanking all who are able to assist me as I begin this seemingly impossible journey haha. I am late 20s now, free accommodation, very few household bills. However I do run a car and pay for things such as food, portion of council tax etc. I also have a storage unit which I pay for…
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Ending Joint Mortgage Unilaterally
Basically, my question is: Is there any way to end a joint mortgage without the other party's cooperation? More details... I live in a property with a joint, buy-to-let, interest only mortgage. It was the only choice I had when my wife and I separated, so I know it's not ideal to be living in a property with a buy-to-let…
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Mortgage for flat in high rise block
Am buying a flat in London in a riverside development where the block has 15 stories. Have been turned down by Coventry because it has >10 stories and apparently this is a common problem. My LTV is only going to be 20% but made no difference and it will be my main residence. Is there an easy way to search for mortgage…
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Martin Lewis to fund large-scale research to help free 170,000 mortgage prisoners - MSE News
A new study at the London School of Economics and Political Science (LSE), funded by MoneySavingExpert.com founder Martin Lewis, will look to find solutions to unchain 170,000 'mortgage prisoners'...Read the full story: 'Martin Lewis to fund large-scale research to help free 170,000 mortgage prisoners' Click reply below to…
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Equity Release - Flat Roof Issue
Hi, My parents are looking to release some equity on the flat that they live in. It is fully paid for, so they have no mortgage. They live in a two bedroom flat on the second floor of a 3 floor apartment block. The roof above the top floor is partially flat, but not fully. They contacted Nationwide to start the process and…
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Extending Mortgage for extension
Hi We currently have a property where we have approved planning permission for an extension. Current mortgage £134K and House value £226K £92K equity. We have spent the past cpl of years renovating the existing house and overpaying the mortgage. We have c£15K on 0% cards to fund this, we couldnt remortgage to fund as we…
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Freedom of Information Act 2000 request - Cladding of a combustible nature
Greetings All! This is what I received today to my Freedom of Information Act 2000 request on the property I consider buying - shall I be concerned? Thanks for sharing your views in advance.
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Mortgage for Self employed w Ltd Co
Hi there , My wife and I are self employed and have a ltd company which we pay ourselves a salary and dividends, she also has some other self employed income. I have SA302 and company accounts for 2 years and she has only been self employed for 1 year so has just one year SA302. We have a deposit of 20%. We have been…
