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Mortgages & endowments

Archives for November 2020

Mortgage offer
Please help, I am about to exchange my contract next week, my mortgage lender is halifax, I work for NHS, someone told me that lots of people lost their deposit as banks are withdrawing offer after exchange due to COVID, I am reluctant to exchange now, can someone advise me, I have been saving for long time and was really…
Financial association added then removed after mortgage app?
Clearscore shows a financial association added and immediately removed following recent mortgage application (it is my husband so we are already financially associated!). Does the addition then removal have any significance? Or would that be normal as part of the credit check? Paranoid the removal bit means we aren’t going…
Mortgage application before chain complete
I’ve recently had an offer accepted on a property, but as yet the chain is not complete. I believe the buyer on this property pulled out after about 3 weeks of waiting for the chain to complete. There is currently one property above the one I’m (hopefully) buying. Obviously everyone has one eye on 31st March and saving…
Looking for a lender who won't require EWS1? Look here:
https://censeo-financial.com/wp-content/uploads/2020/09/Shared-Ownership-Lenders-Sep-20201.pdf This was last updated September 2020 - so a few months out of date and specifically about Shared Ownership lenders but is a good indication of which lenders may accept alternatives to the EWS1 e.g. FRAs, for those who are having…
Mortage after bankruptcy
Hello, I wanted to ask if anyone has had success getting a mortage immediately following discharge. I am due for discharge in February and I was going to wait a few years but my parents just came into a lot of money so want to help with a deposit. I will have 60k combined household income and 100k deposit looking for…
Stamp duty overpayment
Hi all, I have received a letter from “Wilton Group” regarding the potential that I have over payed on stamp duty, I completed my purchase on 27-05-2020 and Wilton group are saying that I have potentially over payed by £10,000 (I payed £16,250 stamp duty in total) and I am not a first time buyer. It is apparently a no…
Anyone have experience of Leeds building society for mortgage?
I’m currently in process with Leeds, had AIP, hard search and then survey done Thursday but heard nothing from them. I have to pay for the survey so am surprised if they would do that before the underwriting? Is anyone in process with them or used them before? They haven’t asked me for any additional info to the 3 months…
Mortgage deal ending advice
Hi all. I have my mortgage with Barclays and its split into 2 parts becuase i moved around 18 months ago and ported it. The smaller part rate is ending in jan and the rates barclays are offering are worse unless i pay a £1k product fee which seems pointless for a smaller part of the mortgage. I am not impressed as interest…
2nd mortgage
Looking to get a second house with my partner as a family member is currently living with me in my first home! Has anyone been able to get a second mortgage without needing a 25% deposit?
Adverse credit mortgage....any way out ? Help!
Hi, I hope someone can advise me. I would like to buy in May. I have 1 default from April 2020 that I have paid off. And partner has a couple of late payments all a year old. We want to but for £350,000 with a deposit of £52,500 (15%) Will high street lenders consider us ? of not, can you please share recommendations of…
First time buyer mortgage with £80 telecoms default on credit record
My wife are I are hoping to buy our first home next year. We're looking up to £250k, with a deposit likely to be c. £30k. As part of preparing, I have signed up with Experian and have found an £80 default from September 2019 on my credit record. This relates to an old phone contract with Vodafone, which I thought had…
Mortgage with bad credit help?
Hi, this is my first post and mortgage so forgive me if i miss any information or get any terms wrong! I am currently applying for my first mortgage with my partner (its not his first mortgage) but unfortunately i seem to have a poor credit rating and 1 default which is annoyingly 5 years old and only for £260! we have…
To remortgage early or not?
Afternoon all. I was in two minds whether to remortgage early, and pay an ERC or not, and was after, not so much advice, but was curious as to what others would do in a similar situation. Which I suppose is advice by any other name! I’m a bit concerned that given the possible impending doom of Brexit and COVID continuing…
Mortgage question
Hi me and my wife are going to apply for a mortgage with Halifax. Thing is I have a default from United utilities. It only shows on my Equifax. It is from 2015. Just before the default on my credit file it says I was in arrears. The thing is I have looked at the credit questions on the application form for halifax online…
Taking an organised mortgage break with after already taking the 6 month break
Hi there My other half has been made redundant. Like many people out there, she's been job hunting and doing what she can to find something else, but it's tough out there right now, and as a result, money is tight. I was also on furlough for 5 months, so we have taken a mortgage break offered by the bank (Nationwide) for…
Any lenders who will consider EWS1 B2?
I have a flat in London which I am looking to move to a buy to let mortgage. I have an EWS1 form but unfortunately it is B2, which means it needs remedial work. The work has not been priced or booked in yet. Fortunately, I only need a 50% mortgage. Do you know of any lenders who might consider this? Thank you
Metro Bank - Mortage and Valuation timescale
Hi Had an Agreement in principle from Metro Bank, got my offer accepted and applied for mortgage yesterday. Wondering how long it takes for Metro bank to carry out valuations and time scale for mortgage application with Metro bank, if someone has/had a mortgage with them Thanks
Joint Mortgage advice - (British citizen plus partner on Spouse Visa)
I'm a British citizen and my wife is here in the UK on a Spouse Visa (been here 2.5 years, currently in the process of extending it for another 2.5 years). Any advice? Anyone on here in a similar situation that can recommend a specialist mortgage advisor?
Santander 1.55% 5 Year FIx £1249 fee
Worth it given current circumstances rate wise...or can do better? £150k left to pay, usually opt for fee saver 2 year fixes or small fee (circa £500) 2 year fixes
About to exchange can I spend on my credit card?
Hello, I’m due to exchange and complete in a couple of weeks- hoping to move on 15th december. I wanted to get a few Black Friday purchases on my credit card (tv, hoover etc) probably no more than £700. My Morgage has been confirmed with Halifax and I understand they still check my credit file. I have a credit card which…

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Mortgages & endowments

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