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Natwest montage application single application when married
My husband and I own our our house and have sold but I am applying for a mortgage in my name only due to husband recently changing jobs and previous dmp. I am applying for £35000 and the house we are purchasing is £405000, application and documents uploaded 9 October house valuation completed and assessed last week and…
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Webb Resolutions
Between 2006- 2007 I had a secured loan with Picture which was then taken over by Webb Resolutions. The loan was paid off but not discharged. My solicitors has been sending out forms for release but is receiving no reply. I have now been waiting two months to access my new mortgage but am stuck due to no fault of my…
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Renovation mortgage
Hello looking for a bit of advice. We are currently in the process of starting a renovation on our home - converting a bungalow into a 6 bedroom house. We are currently with NatWest but looking at a renovation mortgage to fund the property. It’s going to cost approximately £100k to complete (aiming to do a lot of work…
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Coventry Building Society - valuation
Hi everyone. Mortgage approved subject to valuation thurs/fri last week. Had anyone had experience with Coventry recently? How long are they taking to do the valuations and get the mortgage offer out? thanks in advance
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Mortgage help advice
Hi Not sure this the the correct place for this so my apologies, but I'm after a bit of help and advice if people don't mind. Me and my girlfriend are looking to buy an house, we saw it and fell in love with the place straight away, just things might not be as straightforward as we hoped, this why I'm looking for help and…
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Is There Anything Out There?
Hi All, I think I already know the answer but I'm putting it out there just in case anyone 'in the know' has any info! My circumstances are that I am 50 years old, I currently rent, I have reliable employment and I would like to buy a property. I last had a mortgage seven years ago when we had to sell the property due to a…
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Nationwide Early Repayment Charge New Build Delayed
I am hoping you may be able to provide me with some advice. My husband and I are currently purchasing a new build house through Persimmon Builders. Our query is that when selling our old house we were in a fixed term mortgage, for 5 years so are porting our mortgage across to the new property.We sold our property on 12th…
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HELP! FTB - title deeds
We had our offer accepted on a no chain house on the 26/8. We’ve had the valuation & mortgage offer within this time but the vendors solicitor has still not send the first contract pack. it was not until 8 weeks into the process the vendors solicitors told the vendors they needed the title deeds from Abby…
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New kitchen - via mortgage or loan?
We are a married couple aged 61 and 60, in good health and with secure jobs. Our mortgage will be paid off in one year's time. We are in the fortunate position of not needing to take a payment break during Covid. We want to have some work done to the house, including knocking two rooms into one and making them into a large…
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Shared ownership/remortgage
Hi. Need advice as my shared ownership mortgage is coming to the end of a fixed rate mortgage. I would like to know what options I have and what would be best to do in future. There is £50,860 left and 13 years 6 months we own 25% share the original purchase price was £345,000 and now it’s worth £615,000. TIA
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How long to receive mortgage offer after broker confirms its approved?
Sorry if this is asked too often, I did try to find the answer. The broker called on Thursday morning and said the mortgage offer was being issued. How long till I can expect to receive it? Lender is Halifax?
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Early Repayment Fee HSBC
Good morning all. I have an early repayment fee due on my old HSBC mortgage. However my Solicitor did not pay the early repayment fee as I took out a new fixed term with HSBC. My latest mortgage redemption statement states the following; ‘4.3 - if your customer is taking a new fixed rate mortgage in the future: Any Early…
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Do I need an adverse broker?
So, looking to get a mortgage in approximately 5 months time. I've managed to pay off majority of my debts except my car which i owe about 7k to, and a very old rossendales debt (from 2012) which il be honest I forgot I was even paying but apparently still owe them 1k which i pay £20 a month to and have done for years,…
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Trussle, Halifax and me
Hi all, I had an offer accepted on a house on 22/10. My mortgage advisor, Trussle, have recommended Halifax as the lender of choice. I had some late payment on a PayPal and Next store card accounts earlier this year (March). They were late by one month and are now up to date and I closed the Next account. Embarrassingly it…
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Shared Ownership Staircasing Deposit
I have recently purchased a 50% share of a shared ownership house, when my fixed rate ends in 5 years I am planning on staircasing to 100%. Is it better to put any extra money I have each month into savings to give a bigger cash deposit or to overpay on my current mortgage and have a lower amount to remortgage but a lower…
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Environment search
Hi guys, Hope you’re all well. I was just a week away from exchanging contacts for my new home. I emailed my solicitor just to make sure everything was fine. He then informed me that my environment search identified ground stability and that my lender now wants to inspect. The house is 5 years old. Do you think I have…
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Equity Release
Hi, Need some advice as both of us are retired receiving a small pension. The house has a small mortgage. We have used up our savings and are are thinking of taking out an Equity Release. This will give us a money to pay the debt and then receive a monthly sum to help us live, with a roof over our head while alive. We want…
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Mortgage offer & Solictors
Hi all, just a question really. Is it known for lenders to speed up or for the client to escalate their application should the client get a letter from their solicitor sent to the lender confirming the clients could loose the property if an offer isn’t issued soon?
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Paypal statements mortgage
Hi guys, For my business bank account, I have most of my payments coming via paypal account. What I would like to know is, do the mortgage companies ask for paypal statements as well as business bank statements?
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Provisional AIP with conditions, how does this look?
Hi, I have a brilliant broker who managed to get me a Provisional AIP with some additional notes / conditions. I am self employed with 1 year SA302 (got a BBL with my business bank for my limited company) and my husband is in full time employment. The AIP we got is with Halifax and has the following notes: * This…
