-
Getting a new job during approval stage
Hi there due to COVID I’m not entirely sure that my position is safe at work and I’m in the middle of buying a new house! I have an interview for a job and have to work four weeks notice. We are buying under the help to buy and recieved our ATP a couple of weeks ago and we’re told there’s now a 42 day window for us to…
-
HSBC montage
Hi there I had an offer accepted on a mortgage in the middle of July. I have instructed the Solicitors who have commenced work. I have been trying to apply for a mortgage with HSBC for some time. I have a great broker who has been trying for about 2 weeks now with no luck... I have also gone direct and have an appointment…
-
Back to work start date for remortgage
We need to remortgage our property however I am furloughed and the mortgage company need a back to work start date which my employer won’t/can’t do. My husband is still working but we rely on both salaries. Any help/advice?
-
Mortgage for Concrete house
We are interested in a house which is unusual construction and we are interested to know just how difficult it is to get a mortgage for this kind of house.... Has anyone on here got a mortgage for a concrete house, and if so, which lender was favourable, willing to offer a mortgage for this kind of property?
-
Help - Which lenders?
Hi Can anyone point me in the direction of a lender that will take 6 months payslips/include average overtime AND with one default on a credit file. We have been to a broker, but I'm my opinion he is fobbing us off and can't be bothered to put in the work as he says there is nothing he can do to help us. Many Thanks
-
Guaranteed overtime HSBC
Hi all, would anyone happen to know if HSBC are accepting guaranteed overtime as part of your income? My boss has informed me that we are guarantee 60 hours every month and is willing to write me a letter to prove this. This would make a massive difference to our affordability if they do accept it thanks
-
Starting business while waiting for mortgage offer
Hi, I need a bit of advice, I hope I have come to the right place. Long story short, my partner and I are applying for a mortgage with the Clydesdale (in Scotland). My partner has been with the same employer for many years and has been working through the pandemic, while I have been furloughed. Unfortunately my employer is…
-
First home fund - Scotland
Anyone any experience with the First home fund in Scotland? Applied on 21/7 and not heard back Had mortgage offer approved and accepted so waiting on final piece of the puzzle.
-
Dilemma: 17 year mortgage to enable higher pension contributions or 10 years and meagre pension?
Hello there, I am in the unusual situation of being a first-time buyer aged 51 and am in a quandary: my dad is very anti-mortgage (stung in the 90’s by mortgage hike to 15%) and is advising I take out as short a term as possible. However, I favour 17 year terms - around 1.14% - giving me leeway to fatten up my pension with…
-
First time buyer help - how can I prevent rejection?
Hi everyone, I am looking for some advice. I am just a few weeks out of a relationship with my partner. I am still in our home which is a rental but it's very expensive. I have a £25K deposit saved up and ready to go. It would be much cheaper for me to pay a mortgage than rent so I'm ideally looking to buy for myself ASAP.…
-
What is the maximum price house I can buy with a £130,000 mortgage?
Hi I was wondering if anyone knows what the maximum price house I could buy with a £130,000 mortgage. Is the deposit excluded from this? So if I was offered a £130,000 mortgage and had a deposit of £13,000 does this mean I could buy a house that costs £143,000? Or is the maximum house cost £130,000? Thanks a lot. Julia
-
Gift Deposit
I think we’re very close to getting a decision with Bluestone Mortgages. However part of our mortgage will be coming from our in laws. My broker is requiring proof of deposit. We already have 5K in one account, but what’s the best method to receive the other amount of money?
-
Asking about Indemnity Insurance Cover from Solicitor & Building Surveyor..??
Should I explicitly ask
my Solicitor about Indemnity Insurance cover for the Buying of my new house, as
in case any mistakes I can get insurance cover..? I suppose same should be there for the Building surveyor as
well, as in case they make big mistake I should be protected..? Is there any issue in explicitly asking for…
-
Mortgage and recent pay rise
Hi everyone, This past week, my employer confirmed to me that I would be receiving a promotion and a pay rise. As I've effectively been doing the new job for several months anyway, they have backdated the pay rise to March. I am at the stage now where I am looking to purchase a property, and the increase in my salary has…
-
mortgages and student loans
Hi im looking to buy my first property with my partner, i am a university student receiving a student loan and a grant, when applying for a mortgage do places take the student loan as a form of income or would it have to be just based on my partners salary? thankyou
-
Change of address during application
Hi, We are currently applying for a mortgage with Santander. The valuation is booked and the application is due to be looked at by the underwriters this week. The sale of our current property completes tomorrow and until we have purchased our new house we will be living with my parents. Is this change of address likely to…
-
Incorrect salary on full mortgage application
Hello :) some advice would be great! Panicking a bit! Leeds got in touch with our broker today and they are questioning my salary! when we were discussing over phone with our broker about my future pay increase will be for my extra hours before putting in mortgage app. I must have miscalculated my new annual salary! as I…
-
Selling Home > What Preparations to be done for the Bank's Survey..?
I am preparing for my house's survey for the SALE. What preparations I need to do...? Seach engines gave same answer in all sites - tidy up, Move furniture away from walls, fix minor issues etc..But I was wondering any of these below worth doing..??? 1. Conduct a Boiler service & share certificate with surveyer..? 2.…
-
Mistake on credit report
Hi, I have just checked credit karma and it says I am not on the electoral role. I have been for the last 7 years. I currently have a mortgage application going through. Do I raise the dispute now or do I wait? I' not sure what credit agency platform use. On other agencies such as experian and equifax I am on the electoral…
-
Estate Rental Charge
Really need advice please stressed out a out this. Morgage offer came through eventually with barclays. We were supposed to exchange complete two weeks ago didnt happen due to enquiries not answered. They got completed. Then were supposed to exchange last Friday another bombshell from my solicitor after repeated phone…
