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Will receiving Universal Credit for a few months affect getting a future mortgage?
I am currently unemployed due to Covid, searching for jobs and I am looking at applying for UC. I hope to achieve getting a job in the next couple of months, I have a few interviews lined up. However myself and my partner are looking to buy a house in about 6 months and will be applying for a mortgage. (We will not be…
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Moving to parents old house after mortgage application
Hi My partner and I have just recently applied for a mortgage and have an offer subject to valuation. We won’t be moving in until June the earliest as it’s a new build. my mum is moving to another country and so is renting out her house, my partner and I are hoping to move into here as we currently live with his family and…
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Applying for mortgage with employment gap (caring for ill father) but have a permanent job now
Hi I am new to this forum, and as I’m getting older I’m starting to think long term financially. I graduated 2015, had a full time job for about 2 years and then my dad became unwell so I had to quit and take care of him. For a few years I then worked whenever I could through an agency. I’ve just gotten a permanent full…
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Mortgage Miss-sold ?
Around 12 years ago i bought a new house, at the same time I was hoping to sell a development site that would almost match the loan amount. I wanted to retain some flexibility when the money came in so the bank suggested I take an off-set mortgage. 10 years later and site still not sold (long story), so we moved onto a…
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HSBC checks between exchange and completion
I received my mortgage offer at the end of October - it’s with HSBC and 65% LTV. Everything has being going ok since then and we are working towards exchange/completion this month, but I was wondering if HSBC will do any further checks before completion? I haven’t taken on any new credit since then, and when I have used my…
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2nd home mortgage with 1st time buyer - tax
Hi all, I have a mortgage on a house in my own name. I live in Scotland. I am wanting to buy another house with my partner, who would be a 1st time buyer. She's over 40 so no HTB , Lisa, etc. Would I have to pay the 4% LBTT tax if I was on the mortgage because of my other house? Thanks Craig
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Kensington mortgage offer extension due to local search delay- Help!
Hello guys, I could really do with some advice. We got a mortgage offer in September 2020 which was amazing as it’s taken a long time to get to this stage. We are just waiting on the local search, everything else has been fulfilled, however with Covid causing massive delays with the local search’s we have been given an…
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Overpayments - Advice Greatly appreciated
Hi All, I was reading a thread about overpayments on Halifax mortgages and have got myself muddled up, so I wondered if anyone can help.. Our current 5 year fixed rate with Halifax is due to end in the next couple of months. Remaining term of mortgage is just over 15 years, and we've worked hard to clear all other CC debt…
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Nationwide advice needed regarding remortgage
Hello everyone. :) Our fixed term on our mortgage end at the start of Feb 2021 and we are in a bit of a quandary. We want to move in the next year, we were hoping to start process of putting house on the market by now, but Covid has delayed that until maybe the middle of the year when hopefully things might be a bit…
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Question about mortgage questionaire
Hi all, Im just signing my mortagge offer questionaire for my solicitor but im unsure about how to answer one the questions. Q17. Please list all mortgage and borrowings in your name secured on any property. I only own one property which im selling to buy another. (Hence the mortgage) Do I include either of these…
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Santander Mortgage Prisoner Application & Previous Bankruptcy - Is My Mortgage Adviser Mistaken?
I've approached a mortgage adviser regarding a remortgage from my existing lender (Landmark) as I should be eligible for help as a mortgage prisoner. I was declared Bankrupt Aug 2015 and discharged a year later. Adviser has been pretty gung-ho in my opinion and put an application straight in to Santander before Christmas.…
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How to send deposit to Solictor?
Hi Can someone help advise how we can send a gifted deposit to the solicitors? Bank with Santander, can it be done via online banking faster payments ? Do I need to go in the branch? Is it a BACS payment? Any advice would be helpful. Thank you
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Shared ownership from will
My mum has left equal share of the house me and my sister grew up in. Her will states her partner is a life long tennant. My sister wants to live in the property at some stage and may stay with the tenant. I want to have my own property and move forward in life. The only way funds would be released is only if the house is…
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Adverse credit
Happy New Year folks! I'm currently planning to apply for a joint mortgage around the end of this year or the beginning of next. How far back do lenders check for adverse credit (I'maware they stay on file for 6 years)? My partners include a settled default accout (£335 Dec 2018), some arrears and missed payments, but…
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Halifax Mortgage Nightmare - HELP!
Evening all, I’m after a little bit of advice! I’m a FTB using a mortgage broker trying to purchase a shared ownership property and having nothing but issues with the Mortgage Advisor. Background info: 23 and applying alone. £18k basic salary but £42.5k OTE P60 of £48k last year Average commission over the last 3 months of…
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Plenty of equity in house but can't remortgage due to Catch 22s
* Bought my house in 2014 for £107K. No reason to think the value has gone down since then and I've done some significant improvements.* Outstanding mortgage is under £40K over the next 7 years.* Moved to live with the boyfriend due to Covid, so my house is now empty. (Council tax dept knows this and I'm sorting empty…
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HSBC Remortgage Online Process - Change Rate/Term credit check?
Hi all I have a few questions for those who have remortgaged recently online via HSBC and would appreciate some advice. 1) My HSBC mortgage is coming up to the end of its fix, and I am looking to do at the least a rate change but sticking to HSBC. I understand that rate changes is a product switch and should not result in…
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Husband gifting deposit for house
Hi looking for advice My father in law passed away and left my husband everything, due to my husband history of being bankrupt - he is 3 years discharged we got a mortgage in my name soley. We are using some money from the inheritance as the £21K deposit ,our solicitor said it would be classed as a gift so we had to prove…
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mortgage
do santander give mortgages on residential properties if they have a separate work/office built in the rear garden with a b class use
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can you get a mortgage if a property has a separate work office
do santander give mortgages on residential properties if they have a separate work/office built in the rear garden with a b class use
