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Halifax Intermediaries DIP
Hi all. We're hoping to buy our first home through the HTB Equity Loan scheme and have just reserved. We've been working with a broker as I have three defaults totalling approx £2000 from 5.5 years ago, and a couple of missed payments from 3 years ago. Our broker (up front fee, well reviewed) has been great, and against…
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How to get the best mortgage rates
I’m hoping to buy soon. I’ve spoken to two brokers, one has said the rate is determined by the deposit size and to get back in touch with him when I’ve found a house. Another has provided me with two product options, 1.62% and 1.65%. My LTV is 26%. I’ve seen rates online for the same/ similar product fees and fixed period…
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Mortgage Change of conditions
So in January our current Mortgage company wanted to offer us three times the amount of money that I required to buy our new house, so this week we’ve successfully sold our current house and have then purchased another new property, to add this is 20k more than our current house. We also have a very healthy amount of…
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Mortgages that offer unlimited repayments
Hi, Apart from First Direct does anyone know who offers mortgages with unlimited repayments where the mortgage is not on the SVR? Thanks
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mortgage question
Has anyone had any success securing a mortgage without 3 years uk address history or when coming back to uk? I have been back for 18 months and I’m looking to get a mortgage asap. Kept a forwarding address (family home) in uk throughout my time away so no gaps in credit report. Specifically looking at adverse lenders…
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Extend term
Halifax mortgage has 3 sub accounts 2 with 10 years left and 1 with 24 does anyone know if Halifax can extend the terms to co term with the 24 year one to lower monthly payments thanks
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declined a mortgage
We are hoping to buy our first house in the next couple of months but I am worried about being refused a mortgage. We got a DIP for the amount we wanted, a hard check was done but I did not want to waste a mortgage advisors time if it is likely we will be refused and have work to do. - I am self employed and a director of…
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Mortgage with ESPP Deductions
Hi, I am looking to get a joint mortgage with my partner. My salary is £30,300 PA And her's is £19,000 PA + Overtime I work for an American company who offer a fantastic ESPP scheme and I have been deducting 70% of my Gross salary into the ESPP scheme to maximise the $12,500 every 6 months. The deduction to ESPP is taken…
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New mortgage
Questions regarding mortgages
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WHISTLETREE - Contact details
My attempts to make a Capital Payment against my outstanding WHISTLETREE mortgage are failing miserably. The website (as barren as it is) provides a single telephone number. No email address, nothing. All I want to know is how to pay money in. The site indicates a P O Box number in Skipton. Spot on! - it is just a P O Box…
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High Tax Payment for Self Assessment
Hi all, Can anybody offer any advice on how to reduce my tax bill down on a rented out property? For the 19/20 tax year, wages are £55k, income from the let property is £5k. Took off the 25% mortgage interest, any admin fees and insurances, plus expenses for mileage and no quibble deductions, bring my expenses to £1,365.00…
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Mortgage release & moving on
House bought in 2008 with ex husband. My name still on deeds. I put 10k deposit into mortgage originally gifted by parents and ended up moving out in 2010 and no longer contributed to the mortgage. The property has been in negative equity since and is now in about 20k of equity, half if this to go to coownership. Am i in a…
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taking out a 0% credit card just before applying for a shared ownership mortgage
HiMe and my partner have reserved a shared ownership property, we are just about to apply for the mortgage in principal, however last week I took out a Lloyds 2 year interest free credit card not thinking it would affect our mortgage application and just seen it could. We are now very worried! Also if a lender denied us…
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Buckinghamshire building society.
Anyone have any experience with bucksbs? How long your application took? Good/bad experience. I’m so nervous!!!!
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Mortgage and credit card help
My partner and i have split. We will be selling our house and sharing out the money, i will need to get a new mortgage to buy a small property for myself but i have credit cards that i would clear from the sale of the marital property. Are they classed as repaid before the new mortgage is taken on if it all happens in the…
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How do mortgage applications work if you already have a property rented out long term?
Do all lenders just consider the current income and outgoings on the new property, negating the existing mortgage commitment because its on long term rental? Do some lenders consider both mortgage payments resulting in reduced affordability and some consider just the new mortgage? Thanks
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Help to Buy, shared ownership and ex bankruptcy
I need some help and advice please regarding being able to secure a mortgage for a 25% share of a HTB mortgage (£89k) with a 5% deposit as a single applicant.I am a teacher with discharged bankruptcy from 2016. Teachers Building Society need applicants to be 5 years clear. The total monthly outgoings would be approx £100…
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Mortgage pulled at last minute
Hi All, We were 2 weeks away from completing on a new build property when i was put on furlough for 5 weeks. Despite having the mortgage agreed and help to buy arranged our mortgage provider pulled all applications that weren't complete! I'm back at work and they have said they just scrapped all applications for anyone…
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Made Redundant/Changed Jobs Before Exchange - Help!
Hello everyone, I think I already know the answer to this one, however was hoping to get some advice... Me and my partner are currently in the process of purchasing our first home. Unforuntely we have been down this road twice before, with purchases that have fell through for one reason or another and we have now finally…
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Obtaining mortgage with private bridging loan from parent
Our daughter has her house on the market and we would like to help her get moved ASAP by offering her the option of a interest free bridging loan to enable her to buy a much needed bigger house before she has sold her existing one if necessary. The question is would lenders be OK with this sort of arrangement for a…
