-
Remortgage with bad credit
Hello, Litle bit of background - Mortgage currently 89,000 house worth £162,000 - I have never once defaulted/missed a payment on my mortgage held since 2016 or before Salary 36,500 I have a bank loan £10500 which is the only debt I have - I've recently struggled with my mental health which is no excuse to bury my head in…
-
What to do?
I have 15k left on my mortgage. My last deal ended recently. Now I’m paying 4.2% on it. i don’t really want to borrow more, so what do I do. I’ve been offered deals, some very good, but again, by borrowing more. ive looked at just getting a loan. can anybody offer some suggestions.
-
Expat struggling to borrow money to buy a Greek property
Hi all. I'm British, living in the US, and currently looking to buy a property in Greece. Obviously it's not going to be possible to get a Greek bank mortgage. I looked into releasing some equity from a London property I own which has a very small mortgage and is valued at several hundred thousand pounds. My UK lender said…
-
Husband wants divorce after adultary now wants house
Hi I am asking this for a friend who is distraught right now and I dont have any answers to give her so I hope one kind and knowledgeable person on here can help. Last year my friends husband had an affair and left her after 12 years of marriage without warning to go and live with his new girlfriend. They had a joint…
-
Mileage expenses on mortgage application
Hi Hoping someone can clarify something for me Im getting things together for a mortgage application in the near future but I’m having trouble navigating the rules around mileage expenses. I make 2 business trips a month which I pay out for fuel and then get reimbursed as mileage allowance. From what I gather I’m unable to…
-
Cash "loan" from family member overseas
Hi All, Done a little research and can see there are no tax implications of a cash gift from an overseas family member however I would like to repay the cash back to the family member over time. They have stated there is no rush on paying this all back and we can take our time however is this treated differently than if it…
-
Htb remortgage
Separated partner wants to remortgage htb property to an interest only htb mortgage to reduce outgoings. Do these products even exist.
-
Address not coming up on Royal Mail PAF
I've been living in my flat since November 2018. Long story short - the address I'm living at is not registered on Royal Mail Postcode Address Finder but is on the electoral roll and council tax band valuation. It is not on land registry as a registered address. I found out the landlord originally had 14 flats but…
-
TSB mortgage offer, need to payment outstanding debts, but when?
We just got are mortgage offer in and we're looking to complete in 4 weeks. I've already asked the broker but just got a vague answer. In the mortgage agreement it says we need to pay "all or some" not specifying which debts nor when. Shall I do it ASAP or closer to completion? Also, how do I prove they've been paid off?
-
Mortgage rejected.......?
Hi folks, Just a quick one in relation to a remortgaging application rejection. I was moving from Halifax to Danske, LTV is very favourable as is my affordability - they will lend me up to the region of 200k however my outstanding balance is only 87k at present. No issues there. The issue they have is account conduct - I…
-
Finding a mortgage broker
I'd love some help with how I go about finding the best mortgage broker for me. I've used the online searches, but I don't know how to choose from the pool. I have a specific situation in that:- I'm buying on Help to Buy- The property is next door to a petrol station- I need to buy on the basis of a contract/probation…
-
Mortgage application with Halifax
Hi all, I'm new here. I have just applied for my mortgage through a broker. Mortgage is with Halifax, I have had an AIP for a 85% mortgage and affordability etc is good. Rent is £650 and the mortgage repayments are £477!!! Survey fee was taken when application was submitted and the full amount has now come out of my…
-
Mortgage - New job
Hi Husband and I are finally in a position where we can try to apply for a mortgage. Unfortunately he is having a hard time at work at the moment (bullying/harassment) and whilst he wants/knows he needs to stick it out with a 10 years with current employer, he is on the verge of a complete mental breakdown. Neither of us…
-
Mum having to sell to meet upcoming end of Interest only
I'm starting to really worry for my mum. A long time ago she racked up some bad debts and during a mortgage change could only get a sub-prime, interest only mortgage from the dreaded Redstone. Her credit score is good now but here are the problems; * She's just turned 64 and her interest only mortgage is about to expire in…
-
very close to end of fixed term
I have my residential mortgage Thanks
-
Buying house for free off parents & and using "mortgage' to pay for renovations
Hi guys , currently living in northern Ireland and would love some advice !! My husband's parents have just build a new bungalow further up their land ( 25 acres they own so won't be too close to this house ) and have offered to give us their old house which is a 1980s 3 bedroom house . They are building a new driveway so…
-
AiP - Scared About Credit Scores!
Hi everyone, I wondered if anyone is able to let me know if I'm being paranoid about my credit scores. I only have an AiP at the moment, I have not yet made an offer for the house I'm very, very interested in (going to view again tomorrow) and yet to really move forward with anything but I thought, why not get ready now…
-
houseshare whilst looking to buy
Hi So I'm in the process of separation and currently rent, but looking to househare in a few weeks, for a few months whilst I look to buy a flat. The markets slow so I need to ideally houseshare for a bit as these things can take months, and it's not ideal staying where I am. Because my names on all the current houses…
-
How close to borrow amount
Hi everyone, what would be recommended on how close of a purchase price to go for with how much you can borrow is it unlikely lenders are to give you say a 170K loan when your limit is 175K or do they give people the max amount they are after. Thanks.
-
Switch to Interest Only and Use Pension Lump Sum to Pay Off Capital
Sorry this one straddles mortgages and pensions. I am in a very good workplace DB scheme. I have 13 years to go, retire at 65. Between us my wife and I will both also get max state pensions at 67 plus we have 2 other deferred DB pensions and a deferred DC pension all arriving at 65. Overall we have no pension concerns and…
