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FTB Any adverse 90% LTV?
Looking for adverse no defaults in last 24 months. 10% deposit saved with proof of funds saved. High earners looking to borrow no more than 4 x salary. Are there any 90% options? (Not help to buy) Can also provide guarantee
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Is mortgage offer still valid if having a restructure at work
The company I work for is having a restructure, while nobody has been put at risk would this effect a mortgage offer?
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Can I switch mobile provider while awaiting completion?
Hi i have exchanged contract and awaiting completion in a few weeks. From my visit to the new house and online research, I know my mobile provider has absolutely no service in the new house and so I have to move to another provider. I would like to do this before moving as I don’t want to be completely unreachable…
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Early Repayment Charge (any ways to avoid it?)
Made a schoolboy error and forgot I'd taken out a mortgage with a repayment charge (£4,500) set for Oct 2022, got a deal at time and was not planning on selling until then, however things have changed and looking to sell now, is anything I can do to avoid it - keep the mortgage open swap it to my new property even though I…
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Increase term on remortgage application
Does anyone know if you can simply increase the term of the mortgage when you remortgage to either your current provider or to a new provider? I mean with a full remortgage application rather than just a rate switch. All the forms I've seen online only seem to ask what your existing mortgage term *is* rather than what you…
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Halifax AIP after adverse
Hi any helps/guidance anyone can give would be much appreciated. I have an AIP with Halifax - went direct, spoke with them on the phone and they confirmed an A Pass Rate. Advised of past adverse (IVA) which was just over 6years ago and they seem fine with this. Soft searches are showing up with Credit Karma. Does anyone…
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Barclays mortgage with a CCJ
I have a CCJ for £297 registered three years ago which I satisfied 2 years ago. I am a FTB using HTB and I started a new job 3 months ago. I have received a AIP from Barclays and my MA has submitted an application yesterday. I'm very nervous as I'm trying to borrow the maximum I can afford on my salary at 4.5x. What's the…
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Mortgage and Materinity
Hi all, Hoping for some advice. Currently moving home and at the applying for mortgage stage. Thought I'd ask before jumping straight in. Myself and my wife are homeowners. We are looking to relocate to a different city, so that we are closer to my wife's family. We've sold our house and found one, and our offer has been…
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Halifax - reduce rates for loyalty
Hi, we have had our mortgage for 6 years with Halifax and an old mortgage for 12 years with them. When I look at their remortgage rates that are on their website etc are those rates set in stone or do they reduce the interest rates depending on customers loyalty?
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Investment property mortgage for council property
My BTL mortgage on one of my investment properties is up for renewal in the new year Issue is that this one is an ex-council flat,cos not of standard construction - built with the large panel system (concrete slab). Who will lend on this type of construction?
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Are Reassure a scam company?
It feels like it to me. Long story short. They took over my FMISA from L&G on September the 7th and it was due to terminate on the 9th October after 20 years. After many calls and filling in forms they paid my policy half but not my wife's. Every time I call them its another hour of my life lost on hold to get nowhere. on…
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EWS1
Hey guys, My partner is trying to sell her flat. It's in a small block three floors high and less than 18 meters. The buyer has said his mortgage broker wants an EWS1 certificate otherwise 'no lender will provide a mortgage'. This has obviously somewhat concerned my partner who thinks she may not be able to sell the…
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Mortage applications
Good afternoon, I know this tax year hmrc are allowing people to pay there tax with a tax plan( paying monthly) if I was paying my tax back monthly would it effect a mortgage application? Many thanks
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Re mortgaging when made profit on house
We bought our house
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No address history
Hi, I have been living on a boat for the past three years and as such have no fixed address history, what should or can I don in order to be able to apply for a mortgage? I have a full time job and some savings, and have had a property in the past but I am worried I will not be able to secure a mortgage now
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Halifax product transfer - Revaluation
Hello everyone, I am looking to switch my deal with Halifax and their current valuation is just 1% off the lower LTV rates. Our Halifax indexed value is £560k. A local EA is saying just over £600k. Zoopla estimate is £575k. So I'm considering paying for new valuation with Halifax. Some questions if anyone can help please:…
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Connells Survey & Valuation
Does anyone have any personal experience of Connells Survey & Valuation? The 1* review average on Google does not fill me with confidence. Having been told by Virgin that we'd have a desktop valuation for the property we are looking to buy, they then said on Tuesday that a proper valuation will be needed. I have just…
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Unable to meet affordability even though it's plenty affordable
My husband and I are looking to buy a house but coming up against a brick wall due to unreasonable lending requirements (my broker's words not mine). My husband is employed and I am recently self employed. We employ a nanny to look after the kids and her salary is the largest expense we have (about 1.5k a month including…
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Lenders that accept Retrospective Structural Warranty Certificate
Hi All Just need some advice / suggestion with regards to my buy to let mortgage. Basically we are stuck with BTL mortgage application. We use to live in our house and recently moved out due to my daughter's school admission. We have rented that house out (concern to let - from the mortgage lender) recently in Aug 2020. We…
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Can I become solely liable for our joint mortgage even though we’re still together??
My partner and I took out a joint mortgage five years ago and as our fixed term is now up we’re looking into remortgaging. We’re happy together and have no plans to go our separate ways, though having my partner as a financial associate has impacted my credit eligibility more than I thought it would as his credit history…
