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Halifax mortgage offer expiry date post exchange during corona
My partner and I have already exchanged on a new build property, with our mortgage offer valid till June. Because of Covid-19 this has delayed our build completion and as such will run over the mortgage offer expiry date. Are banks such as halifax likely to honour the offers especially in circumstances when exchange has…
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Buying partner out of mortgage
Hello- some advice needed, will also seek paid for legal advice. Me and my ex (first time buyers) took out a Tenants in common mortgage in December 2019 - 4 months ago, and for the last 2 months we have been separated but living together still, and it’s now become unbearable to live together. My ex contributed the whole…
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End of Help to Buy Interest-free period - What to do?
Ahoy there... Just wondering, of those who have already passed the 5-year interest free period or are coming up to it, what did you/are you planning on doing with your Help to Buy equity loan? Remortgage to incorporate; paid 100% by saving; Paid 50% off and saving for the rest; started paying the interest until you can…
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Nationwide Valuation Appeal.
Hi all. I had a valuation done on a property i'm looking to buy 3 weeks ago, since then i have spoken to Nationwide who have advised me no appeal has been put in. However my mortgage broker has said he has done it and is waiting on a response, i have used an estate agents in house broker. He has advised me Nationwide are…
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Nationwide mortgages
Has one one within the last few weeks received a valuation and offer on the same day ? We did back in January (changed property now) and valuation was done last week (remote/desktop) and still no sign of offer or update.
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Danske pulled offer waiting on valuation - advice needed.
closed - thanks
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Payment holiday and divorce
Hi,We are about to start divorce proceedings and I have a property in joint names for which we plan to do an equity transfer to me. This process is still 8 -10 months away for various reasons. Meanwhile, my fix rate on mortgage ended and I am now on SVR. I did not remortgage yet or do a product transfer with the same…
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Age gap mortgage
Hi all, I’m 38 years old and my partner is 56. We both live and rent together in London but are finally ready to buy somewhere just outside the city. I earn 50k and my partner earns around 42k. We have a deposit of around 40k. But because of the age gap am I right in thinking the bank would only take my salary into account…
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Witness or Guarantor ?
Hi Guys , quick question a cousin of mine wanted me to witness and sign this this document but I am being wary of what I am signing , can you tell me if I am being taken for a mug ? I need to sign page 9 of 10 where is says in the presence of a witness .. Thanks for any help !
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Barclays Mortgage Offer Closed
Hey Everyone! Wondering if anyone can help, me and my girlfriend have had our mortgage offer accepted by Barclays. We exchanged contracts in Jan, just waiting to move into our new build. We instructed our mortgage advisor to speak to Barclays about an extension, as our house move has been put back due to corona (and…
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MAS no 5
Hi I got told by my financial advisor some 12 years ago to re mortgage I went from a main stream bank to mas no5 does anyone else have a mortgage with them ,the interest is always above the norm i can never get hold of them .does anyone know if they add extra interest? I’ve never trusted them
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Interest only worry
We currently have an interest only mortgage owe £150,000 on it and 10 years left on it. I am so worried because we need to start paying the debt off ASAP. Our current mortgage provider do not provide morgages any more plus our credit rating is very poor. We did try to remortgage a few years but got turned down several…
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Shared Equity
Good afteroon all :) Long story short - my mortgage application with Kensington went sideways. They were not happy to accept a portion of my wage that is non taxable income, so reduced what they were willing to lend to me down to 86k. This has put a stopper on my house purchase now, which is a shame. I've been going…
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Thoughts on remortgage
My current fixed rate ends August so I am starting to think about a new fix to start in September. I am looking at a 5 year fix with 10 years until the mortgage is paid off. I am buying with OH, the house is valued at c. £250,000 and the remaining mortgage will be c. £75,000 so 30% LTV. The current fix is with Britannia…
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Virgin Money Remortgage & Retirement Query
Our mortgage is currently planned to run up to a few months before my husbands 70th birthday He has no pension and we’re due to remortgage soon (10 years left so plan to do a 5 year fix now, then the same again in 5 years to take us up to just before his 70th and it will be repaid) However, I’ve just noticed that in Virgin…
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FCA authorised: individual or just firm?
I want to buy my first home and a friend recommended his mortgage advisor. I have checked the FCA register and the individual seem not to be registered anymore "Status: No longer registered as an Appointed Representative." The firm he works for, however, comes up as FCA authorised. Is this enough or does the individual…
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Nram
I wonder if anyone could help me? I had a northern rock/nram mortgage from 2006 to 2018, where I was paying £700 for a £90,000 mortgage. I sold up and now I'm paying £500 for a £122,000 mortgage. I feel that I have been drastically over charged by nram.Is there anything I can do?
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Morgage Application
Any advice on this would be a great help. Morgage Application put into Barclays at the beginning of March There was a mixed up by then they approved and offered my morgage but then came back they made a mistake wasnt mine. (Crying) Underwriters are due to go through my application with the lower deposit. Will the lower…
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Do fixed rate mortgages exist for long periods like 20+ years
An American youtuber I watched called Graham Stephan has several mortgages and he gets mortgages at 3.5% - 5% fixed for 30 years. But I've gone onto some market comparison sites and individual mortgage websites and I can't find anything even remotely close to 30 years fixed. Most of the ones I'm seeing are fixed for 2…
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Mortgage advice 10 year old reposession
Hi all I am after a little advice in 2010 i had a bit of a mental breakdown and ran away from home stopped paying all my bills and ran up all my credit cards. I went through a pretty rough time due to some stuff going on personally and never went home again, left my wife and basically after about 2 years i decided to…
