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Mortgage for closed pub
we are applying for change of use on a public house, wondering if you can get a residential mortgage prior to change of use it the business is closed.
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Moorcroft
My husband had a mortgage shortfall with Halifax they put a restriction on my home now this was 15 years ago I have seen that Halifax can no longer take me to court for the amount as it’s passed the 12 years , Moorcroft obtained this debt and I’m trying to get the restriction removed so I can sell my home but they are…
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Halifax remortgage hell
Hi everyone, We bought a property with a couple of our friends back in 2018, as the relationship between us has broken down we wanted to split up and we offered to buy their share of the property from them, As our joint mortgage is already with Halifax we told them we needed to remove the other party from the mortgage…
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Buy to Let Mortgages (EWS1)
Hi Does anybody know buy-to-let lenders who lend without the need for an EWS1 fire risk assessment form? Thanks
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Natwest - How long from valuation to offer ?
Hi All, I would be grateful if you could help me. I am top of a property chain and my buyer's buyer had her mortgage valuation (on-site) done on June 3rd but is still waiting her mortgage offer. Does anyone know if there is a backlog at the moment and how long it normally takes ? Thanks in advance for your help
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Self employed Mortgage Help
*Deleted - further advice found separately*
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Buying a second house advice
Hi I have a few questions regarding buying a second home ... The house I own on a mortgage is rented out. i am living in a rented house . i would like to buy a second house to live in instead of renting ... so will I have to change my current mortgage to a buy to let mortgage before applying for a new one for the second…
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mortgage application
DIP done. Valuation done, Still waiting
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Mortgage charge.
My girlfriend and I are buying a house together, she owns a flat currently which she is selling, I also own a flat which I’m selling. Both of us were on fixed term mortgages with ERC’s. As mine had the higher penalty (3 years left and something like 4K as a penalty) I ended up applying for a port of my mortgage to the new…
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How difficult will it be to get a new mortgage when older?
Hi I am 56 and my husband is 57, yesterday we found a lovely house and are about to put an offer in at 80.000 pounds. I have a deposit of 30 thousand pounds and debt of 15.000 pounds. The debt will be mostly paid off there will be 2000 pounds left on a interest fee credit card. I have to leave that debt on as we have no…
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Being evicted during mortgage
Hi I started a mortgage application in March direct with halifax and I've been waiting ages for the valuation to be done and it's only just being arranged. The property I live in now is being converted into 'luxury' flats and yesterday I got 3 months to vacate. If I sign a tenancy with another apartment the minimum I can…
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How many tries do you have?
Got an application in at the moment which has been a long process (coming into the 4th week) In terms of confidence, I would say I’m 50/50. But that’s not really anything to go by because I’ll always find something to worry about. My broker seems more confident than me, I’m just getting twitchy because of the time passed,…
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Am I a first time buyer?
I have only owned one house in my life which I sold in 2007. I have rented ever since. Would I be classed as a first time buyer due to not owning a property for 13 years? When doing mortgage calculations the options are always; Are you a home mover? Are you a first time buyer? Are you a remortgage? I don't fall into any of…
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Remortgage
Hi, I currently have 2 mortgages on my home, 1 is the original mortgage where I bought the property and the other is a mortgage where I took out extra money to pay for some of my extension. One of them is up for renewal in August and I was wondering if it is possible for me to swap just one part of this to a different…
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Borrowing more from mortgage lender to finance wedding/home improvements
Hello (hopefully I've put this in the correct forum - I was stuck between loans/mortgages), We purchased our house in 2016 and have since accrued equity in the house. I'm looking to borrow more money from our lender (Nationwide) to help finance our wedding/big home improvements/pay off some credit cards. When filling out…
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Lender reviews plz?
Hi, looking for reviews/experience with the following lenders: Natwest Virgin Money Nationwide Would be interested in reviews regarding: Application timescale, communication, ease of process, valuation accuracy/issues, customer service. i know we can look at google/Which but they haven’t been updated since before the…
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Mortgage with EWS1 fire rating B2
Hi I'm in the process of buying a 4 year old buy to let flat (almost new build) in a low rise building (3 story). The flat is is in a gated complex consisting of three unconnected buildings each containing 60 flats. So 180 flats in total. "My flat" (the one I'd like to buy) is on the middle floor in the centre of the…
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Showhome valuation HTB
Hi all. We're in the process of buying a showhome which is one of the very last plots on a new build development. However, I'm a little concerned about when it come to the valuation. Being a showhome, it is fitted with masses of extras, appliances, furnishings etc, and the price seems like it's a good £10k higher than…
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Impact on extending mortgage holiday (6M) for future lending/moving house?
Will there be any, potentially taking redundancy. I potentially want to move house (further lending) and/or change rate same time. Next summer.
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Mortgage Application
We’ve just had a mortgage offer for £80k to move house after previously having arrears and court action. Although we’ve had this offer we want to go for £100k which will result in 80k being withdrawn and a new application for 100k. If this is refused a new application for the 80k would need to be submitted, could this…
