-
Restriction on Land registry - remortgage
Hello everyone, I'd like to have people's opinion and advice here please. We bough a new built in September 2015 (Taylor Wimpey) and need to remortgage by the end of September. All was going well until the sollicitors (working for the lander) got back to us stating there was a restriction on the Land registry, couldn't…
-
HSBC - how long does a mortgage offer last
Hi - I know once you are offered an 'online no advice' mortgage the offer lasts 30 days. Is it longer if you go through the branch? Any idea how long the offer may stand? TY
-
Help us decide - Renovate our fixer upper - or just move - and how?
Hello I was hoping for some help in deciding this and perhaps explaining how buying and selling in a chain works My Husband and I are struggling to make a decision whether to stay here and sort our fixer upper or move (we have already done some large works)................we barely understand mortgages What is the housing…
-
mortgage one applicant perfect history one with defaults
hello after some advice, we are currently renting looking to get a mortgage, bit of background. OH has a perfect history and his Experian score is currently 999, he has 1 black horse loan which is our caravan. i have 4 defaults on my history (September last year, November last year, march this year, February this year this…
-
Valuation come back lower HSBC
Hi, we had an offer accepted on a property and had our mortgage application agreed subject to valuation. HSBC have come back to me today with a valuation £10000 lower than our offer. I’m absolutely gutted as I cannot see the vendor dropping the price by £10000 as we already got it £5000 lower than the asking price. Has…
-
Nationwide have gone back on Interest only Mortgage agreement following my redundancy.
I spoke to the Nationwide about 5 weeks ago, when I was told by work that my job may be made redundant. The outcome of the talk with a trauma team person was that I would agree to go onto an interest only mortgage for the time being, if the worst happened. This was a big relief to me. I have now been told that I have been…
-
HSBC mortgage application - 'in advice'
Hi all, I'm currently applying for a mortgage with the HSBC. I have just logged in and seen that my status has changed to 'in advice'. Would anyone be able to shed any light on what this means? Many thanks :smile:
-
Remortgage or roll with the variable rate?
My wife and I are looking to move in a couple of years, earlier if possible. We were going to move this summer, but when we found out she was pregnant figured her maternity pay wouldn't be ideal to upsize our house (and therefore mortgage). Before covid hit, the plan was to remortgage for a low rate for 2 years and then…
-
Nationwide changing terms mid application?
Hi all, We're FTB, and started a mortgage application with nationwide back towards the end of June. We had actually booked the appointment just before NW announced they were pulling their 90% LTV mortgages at that time, but honoured it for us because we already had it booked in and had an AIP. They screwed up and updated…
-
Name off mortgage
I’m now 12 to 13years of leaving a bad septic relationship behind me.On my divorce ex was told (in writing by court) to actively seek to release my name from mortgage. One failed attempt in 2010 ish. with her mother. Who has sadly passed away recently. I loved the old girl. One of a kind,old school, hard working sort.…
-
Offer but No Hard Search
As the title says really. Received mortgage offer from Bank of Ireland last Thursday morning, but no hard search showing on my credit file yet. Could this just be a lag in the data being updated? Having all sorts of anxious thoughts along the lines of it being missed and the offer ending up being withdrawn
-
Application under review
hi all, we had our mortgage application approved subject to valuation on the 4/8/20 and the estate agent phoned me the next day to say HSBC were collecting the keys on 11/8/20. I logged on to my online application and the status now says under review. Anyone know what this means? We are very nervy FTB thanks
-
Mortgage and Debt
Hi, my auntie who I live with is in a very bad way health wise and doctors have told us to expect the worst. The house is solely in her name with around £85,000 left on the mortgage. I have debts of around £40,000 on credit cards, personal loans, catalogues etc. I am upto date on all payments and have never missed a…
-
Did not declare default
Yes. I know I am an idiot. Wife will kill me. But if anyone can shed any positive light on this my mental health will appreciate it. Applied to Natwest to Port mortgage and borrow extra £50k through broker. Everything seemed to be in order apart from the 4 year old unsatisfied default of £250 on Equifax file, which was not…
-
dividend take home vs PAYE takehome
I was hoping someone could help with some confusion i have after speeking to a broker for limited companies director mortgage.I am a 50% shareholder of a limited company, and have recently filed my personal tax return upto the higher tax band of £50,000.My wife is PAYE and earns £33,000 a year.We have been told we can…
-
Mortgage application-new credit card
Hi, I have been waiting to staircase since January due to issues with cladding on my building, the cladding report has just now been accepted and sent to santander who had agreed a mortgage back in January. In the last week, I have taken out a new credit card for balance transfer-so as soon as the transfer has gone over, i…
-
Debt Consolidation 85% LTV
Hi, does anyone know of any mortgage companies that offer 85% LTV Remortgages (the borrowing is for debt consolidation). A lot of the companies I am calling only offer up to 80% with debt consolidation. Thanks in advance.
-
Checks before completion
We have a mortgage offer from NatWest and due to exchange any day now, to hopefully complete within 2-3 weeks. Can’t remember from my first house purchase whether it’s ok to use existing credit cards to buy stuff e.g a bed whilst waiting for completion (obviously no new credit agreements). Are NatWest one of the ones that…
-
High Loan to Value Fee refunds
Interested to know whether we can claim back the "High Loan to Value" fee we were told we had to pay to secure our Abbey mortgage back in 2004? Any advice? Thanks x
-
Proof of cleared credit cards for AIP
Morning, hubby and I decided to pull forward our planned move in 2 years time due to the savings currently available on stamp duty. We have a buyer for our property and have found a property we like. We have an AIP from a different lender to the one we are currently with, however are tied in to our current mortgage for…
