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CIFAS Marker - Victim of Impersonation
Hi, Looking for some advice. I have always had a good credit score and monitor it very closely. Last month I noticed my score had dropped significantly as a new hard search was added by the Halifax. Note I have never banked with the Halifax so was surprised to see this on my file. I disputed this with Equifax and also…
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Furness Building Society - Awaiting Decision
Hi, Just wondering if anyone else is waiting on a mortgage decision with Furness BS or have had one accepted recently? Any idea on timelines? Experian seems to suggest they did a hard search on 4th November. Thanks
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Mortgages for the Disabled
Are there any lenders who would consider a disabled single parent with access to a decent deposit and income from PIP and UC who has a 10 year PIP award (higher rate) Daughters relationship has broken down and landlord will not accept benefits. After housing benefit her contribution towards rent would be similar amount to…
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Student loan and mortgage application help.
Hi Within the next couple of months my boyfriend and I will be applying for a mortgage with help to buy. We will be using 10%(£19100) of our own money and 20% (38000) from the government to purchase our £191000 new build. We chose to do this because of issues over the past year in trying to get a normal mortgage due to…
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Mortgages for older people
Hi - I'm approaching 59 and a first time buey inthe UK (moved back from the US a few years ago). Looking to find a lender for a mortagge - any suggestions?
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mortgage offer no hard search
Hello, I received my santander mortgage offer at the end of Oct and just had in my new clearscore report today, however no hard search seems to appear anywhere on my account only a soft search when i applied.I was expecting to see a hard search noted on my file now that I've had my offer for nearly 3 weeks, is this correct…
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Property not on land registry.....who should pay the fee
Hey, We have had some of our solicitor checks back and the property we are buying is not on the land registry. We have been informed that it is a £270 fee to register the property. I have two questions why would the property not be on it and whose responsibility is it to pay the fee ours or the sellers? Any advice would be…
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Halifax mortgage - home insurance
Hi, We are due to complete next friday, 20th on our new build. Just want to ask if Halifax will be requiring us to get a home insurance for the mortgage funds to be released? Actually, we already got one but just want to double check as our solicitors hasnt contacted us yet. Should we forward the policy to our solicitors?…
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Thoughts on will 2 year fixes continue to rise % rates for the foreseeable?
Continually creeping up for the past 6 months
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Exchange deposit vs completion deposit.
As a FTB I have received some incredible help on this forum alresdy, so thank you. I have in the past few hours been made aware of exchange deposits and completion deposits. My situation is this- I have ~£9,500 in a NatWest help to buy ISA which is eligible for 25% bonus on completion. I have ~£11,500 in a general savings…
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COVID holiday payment has affected my credit rating - mortgage declined
Has anybody had the same experience? I took advantage of the COVID mortgage repayment relief from my lender (Barclays) and subsequently sold my house and repaid the mortgage in full in Sept. I am building a new house and need a small mortgage, a third of what my previous mortgage was. I have been declined due to my credit…
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Mortgage Options - Flexibly furloughed
Does anyone know if there are any lenders still considering furlough pay within affordability calculations? I have been working 100% for the last 2 months however have just been advised I will be working 50% of my hours for the rest of November and furlough for the other 50% due to 2nd lockdown. There is a possibility this…
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Virgin lowered rates
We are currently in application stage and the valuation has taken place for a 85% LTV mortgage with Virgin, based on 3.32% and a £995 product fee (which we have paid). Yesterday they lowered rates to 2.99% so has anyone experience of switching during the application phase to a better rate?
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New mortgage deal
Nationwide. Approx 75k left to pay Current deal is Approx 410.00 per month 1.99% It was fixed for 2 years. Now time for new deal Loan to value 60.01-75% Options are. 2 years fixed rate initial rate 1.29% product fee £999 standard rate 3.59% and APRC 3.3% 2 years fixed rate initial rate 1.79% free. Standard rate 3.59% and…
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Missed a payment status (1)
Hi, I have recently been declined a Decision In Principle, this is due to a missed payment back in March , I now have 4 status (1) on my credit report from Experian from March to June of this year. Will this ever go back to normal? Will I ever be able to get a different mortgage and when? If I do ever manage to get a…
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Should I pay off the mortgage?
My wife and I have come in to some inheritance, which, if used in its entirety would pay off the mortgage and release significant amount of money each month that we've never been close to having the pleasure of. However early payment of the mortgage would incur and £5000 which sticks in the throat somewhat. Someone told me…
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Offset Mortgage
Hi all, Looking for some advice. I am due to start an offset mortgage next month due to some savings I have available which will stay in my offset account for the foreseeable. My mortgage is around £110,000 so not a large amount. I have some money saved up for a refurb of the house next year to refit the kitchen and…
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Broker not finding deal
Hi, I have been in touch with a broker for a remortgage with borrowing more money up to 85%, the deals they came back with weren't as good interest rates as I could find myself, when I asked if they deal with this particular company as their rates were lower they said they checked and the low interest rate was only on…
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Remortgage - individual or joint application if partner is on furlough?
My partner is currently placed under furlough as a company director. We have an existing mortgage under joint names is coming to an end of the fixed term in another few months. We are waiting to see what does the current lender - NatWest has to offer on the product switch, or shall we do remortgage with other different…
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Mortgage Cashback Timescale?
Hi all, Recently completed on a Barclays mortgage that had a cashback incentive to help offset some additional legal costs - does anyone know what the rough time of payout is? It said ‘on completion’ but that’s come and gone so? Does it go into the account of the mortgage payer or is just deducted off the total mortgage…
