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Mortgage Repayments
Hi, I'm sure I will have asked this question of someone, somewhere before and it's probably a very obvious and straightforward answer but right now I can't get my head round it so I hope someone will help me. I have a variable rate repayment mortgage. I make monthly repayments based on the current rate so it can go either…
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Nationwide Mortgage.....due to complete
Due to complete next week on FTB, but paranoid about current situation....bank pulling offer. COT submitted, no further credit taken out and paid down car loan significantly since (nationwide didn’t request that) Nationwide Mortgage is now showing on my online banking, but with a balance of 0....is this a good sign that…
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Moving to England from Republic of Ireland
Hi, my partner is living in England and is british, we are looking to buy a new build next year in England, I am currently living and working in ROI(Republic of Ireland) for the past two years and am Irish. I was in england for 7 years(uni and working), I have an english bank account and National Insurance Number and am…
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First Direct 3 Month Mortgage Repayment Holiday
Hi, Noticed they have not launched this. What feedback are people getting? Do you have to pay back the full 3 months, as that what if reads like on its FAQ's if I request it. Thanks,
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Are adverse lenders pulling out/tightening up
We were due to apply for our H2B + mortgage via an adverse lender this summer, obviously everything is on hold now as the site has closed. Just wondered how the land lies with the adverse market at the moment, I’ve heard of some high street lenders pulling offers so just panicking that the specialist market are also…
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NatWest mortgage pulled
Hi all, We has been applying to remortgage with NatWest, at offer stage, they came back saying the senior underwriter had decided to look at the application and it has now been declined due due to adverse, we have a missed a British Gas payment from a while back.. is this unusual?? Or are the banks just finding any excuse…
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Base rate AFTER coronavirus (tracker mortgage)
Hello, Firstly, apologies if this has been asked before but I couldn't find anything on the forums. Also I know that nobody can predict the future but just curious to see what folk think. I live in Scotland and have a tracker mortgage. Fortunately I have benefited (twice now this month) from drops in the BoE base rate.…
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Nothing to see here
Sorry. Posted in the wrong forum. Please delete.
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Underwriter wants more info
I have applied for a 95% ltv with NatWest. I have provided them with all the documents and my valuation was carried out last week. The underwriter now wants to know if I’m renting or living with family (I moved back in with my dad to try and save up for a deposit). Why would they want to know? Surely they can see on my…
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Mortgage Holiday terms
Hello! I'm not planning to take one out (yet!) but I was reading through an email sent by Halifax regarding mortgage holidays, and the following wording caught my eye: "If you take a mortgage payment holiday, this means that you wouldn’t make mortgage payments for up to three months and we’ll add these payments onto your…
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House up for sale
We currently have our house up for sale (lived here 8 years and finally took the jump to move) I know things are delayed at the moment on buying/selling however really worried now we will no longer get a mortgage due to covid 19 and lending being more stricter. Only have a mortgage in principle at the moment (should…
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HALIFAX NEW RULE 60% LTV
Hi can anyone help we have a mortgage application go thru with Halifax with our broker, 73% LTV, virtual valuation accepted and paid for, credit check completed just needed 1x wage slip this was on Wednesday 25th March- details were sent before they made the announcement to the underwriter. Does anyone know if this will…
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Information on Barclays tracker rate before BoE rate cut
Just wanted to know if anyone has information on what was
Barclays tracker rates before BoE dropped the base rate? I am currently with Barclays, reserved product switch on 2 year
fixed at 1.53% (85% LTV with £999 product fee) in Feb to start from May
onwards. Now that base rate is low, I am looking to move from…
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ANY BROKERS HELP? IM SWITHCHING WITH NATIONWIDE COULD U GET A BETTER DEAL 1.39 FIX FOR 5YRS FEE £999
Hi All, I am looking to switch product with nationwide and the best they offer is as above 5 yr fixed 1.39% £999 fee, i was just wondering with brokers access to different products could they possibly offer a better deal of any kind. Thanks very much in advance
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Mortgage holiday
On Monday I spent 85 minutes trying to contact my provider Acenden to enquire about a holiday, couldn't get through, so then I emailed them asking for a mortgage break, only for them to reply that someone would ring me back asap, it's now Saturday I haven't received any contact from them, I also rang Wednesday morning at…
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Solicitor added costs
Hi, could someone give me some advice please. We exchanged and completed on our house purchase yesterday all rushed through because of the situation at the moment. We were advised by the solicitor that all fees were paid from us about a week ago when we sent the deposit and the remaining solicitor fees but at 4.30pm on…
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Mortgage company pulled offer
Well we had the dreaded call that Dudley Building Society have pulled our mortgage offer for the property we had an offer accepted on. Hopefully we can pick this back up when everything returns to some normality. Has anyone experienced a drop in house prices with the world markets tumbling? The house we found was on for…
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Remortgage
Hi, our current fixed rate is ending 30/6/20. I am keen to secure a new deal now with the current lender (Coventry). 1. Should I fix it for another 5 years or take the plunge for and go for 10? For the security of low rate? 2. OH is self employed so thinking of borrowing for 25 years to lower monthly payment as we don’t…
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Fix End
I signed up to a 2 year fix with Halifax that ends in a few days. So naturally started looking at my options recently. When I called to discuss I was told my fix doesn't end until November. He agreed I signed up for a 2 year fix in April 2018, but said something about how they managed mortgages in bulk. That the way they…
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Spring Finance 2nd Mortgage
Hello we borrowed 20k 6 years from Spring Finance, we pay back £500 per month and I asked for a redemption figure today. I was told 30k, I explained we have paid around 36k interest why do we owe more than what we borrowed. Please could anyone concur if this sounds correct. We want to sell up next year and be mortgage free…
