-
Mortgage for NHS bank nurse
Hi, Is there any one who got successful in getting mortgage as being a bank nurse. My husband recently started working as a bank nurse - doing regular shifts equivalent to full-time hours after 5 years of work in NHS. I'm currently working as a nurse full-time as permanent job.We are looking for mortgage to buy our first…
-
Mortgage approved but product now pulled
Hi all, I had a mortgage application accepted from yorkshire building society 2 days ago and paid the product fee. The product is a 90% LTV Mortgage which they restarted late May and removed again from their offering today. Is it possible that YBS can pull my offer before I complete? Currently waiting for my searches to be…
-
Valuation Done
Hi, Valuation has been completed, what are next steps? When is a credit check carried out?
-
Transfer of Equity and Remortgage
Hi all, I'm looking for some advice on a transfer of equity on an ex-marital home. As part of the divorce consent order, my ex is taking over the sole ownership and this will involve her having to remortgage to a new provider (Natwest), in her sole name, with the previous mortgage (Halifax) in our joint names ending. The…
-
Overpayment v Repayment
Hi I'm approaching the last 12 years of my current mortgage and I'm wanting to reduce my mortgage quickly. I'm currently on an interest only with an investment looking towards paying up the balance on completion. However, I find myself in a situation where I have monthly disposable income available now and will have going…
-
Mortgage Charge/Process Question
Hi, I'm trying to understand the following technical points around how mortgages work and was wondering if anyone can please explain it to me. If you miss a payment and then pay it off after say 2 weeks with the late payment fee added to your balance: - Would you then expect your monthly payment to be recalculated and be a…
-
West Brom declined
Question removed-Now spoken to bank and appealing
-
Mortgage with Non-Standard Income
My husband and I had a DIP for a high street lender. He's starting a job as a Physics teacher at 0.6 from July 1st (because the cost of childcare would pretty much means he's working for free the other two days). I'm starting a teacher training course from the beginning of July too. We had an offer accepted on a property.…
-
Endowment Mortgage - Claim?
My parents had an endowment mortgage in the late 90's early 00's. I was only a teenager at the time but I remember them getting bombarded with letters telling them the values had plummeted after 9/11 and warning them the value wasn't on track to cover the mortgage etc... As I understand it the letters included offers for…
-
Achieving CAS status be a mortgage advisor
Hi guys, I've recently joined an IFA practice working as an administrator. I've gained my qualifications to give advice on mortgages through CII over a year ago. The company I work for doesn't have time to help me gain my CAS status as there is only one advisor so their time is taken up pretty quickly! Does anyone have an…
-
Mortgage after maternity leave
I hope someone will be able to help. Me and my husband are hoping to get a mortgage within the next few months. I have been on maternity leave with furlough pay since May. I have my return to work interview this week and I'm torn between what to do. I am currently on a 45 hour contract as an assistant manager. We have no…
-
Mortgage broker needed
Help rec ty
-
endowment policy find it
hi we got an endowment policy in 1994- its lost we have no account numbers and no paper work don't even now who it was with. tried our old bank no luck, the woolwich helped with it but Barclays don't know a thing. any ideas please, might not be a lot but any little bit helps, many thanks jayne
-
Mortgage switch then ditch to avoid ERC?
Bit of a complicated scenario here so will lay out as best I can. We are currently have a property with Help to Buy on it. We're coming to the end of our 5 years fixed mortgage term. It is with Nationwide and ends on 30th Sept 2020. We are also in the process of selling our house to move into rented accommodation.…
-
Mortgage application with precise
Mortgage application sent 4/6 More doc requested 5/6, sent same day bank statement queries 09/6 sent same day, was told by broker valuation will be instructed upon the receipt of the docs. anyone else in the dreaded waiting game.
-
Retirement interest only mortgages
Has anybody up to date information on these. I understand these are run by building societies but finding it difficult to get current information on availability and who to approach.
-
Looking for a Broker
Hi, Please delete if against the forum rules, I am about 6-12 months to seriously looking into a potential mortgage application, my credit isn't perfect by any means and would probably look to use a broker as I imagine I would need to avoid the usual high street lenders, Can anyone recommend/are there any brokers on here…
-
Balance transfer during mortgage application
Hi all, My husband and I are in the process of buying a new build - the build process is delayed approximately 4 months due to Covid-19. We applied for our mortgage in August 2019 but had a lot of credit card debt, so they gave us conditions to meet by completion in order to obtain the mortgage. We have enough cash savings…
-
Do mortgage consultants see behind the scenes
DELETED***
-
First Time Buyer with LISA
I am in the unfortunate position where my current landlord is looking to sell the property I am renting when my tenancy terminates in December. I was planning on staying in this property for a year after (poor assumption I know), and then looking to buy. I am now considering buying instead. The landlord has had a lot of…
