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Tsb
My MA submitted an application today has anyone used tsb lately, what are they like in terms of time.
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Fixed rate running out in 6 months, just been made redundant
My mortgage fixed rate with HSBC runs out in 6 months and the SVR is a good 1.5% more. I've not missed a payment, although did take a 3 month payment holiday when work temporarily reduced our hours and salary for 3 months last year in a panic and was assured at the time it wouldn't affect my credit record. I'm getting a…
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Increased interested rate without informing the lender
Hi all, I hope this post gets some feedback as I am a little lost here. Our mortgage with Nationwide was under my husband's name only. He passed away almost 2 years ago but the probate process took long time and only now I am finally able to move it under my name or pay it off, although I carried on paying the mortgage…
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First time buyer help
Hi looking for some help! I am looking to hopefully buy my first house! And any advice would be greatly appreciated! I am back living with my parents ( I stayed with my partner but it was his house/mortgage) for along time and wasted money! I have about £2000 of debt on credit cards which I will have paid off in the next…
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Consent form or remove name from land registry - legal query
Hello Forum, Question about mortgage and charges in the land registry. I live with my wife and daughter. The house we live is mortgaged and the mortgage is in my sole name. I've been paying the mortgage for the past 13 years and haven't defaulted. The land was also in my sole name. Many years ago my wife added her name to…
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Cash deposits on application
Hi I’m currently waiting the result of my mortgage application however on my statements there is 3 cash deposits. £1600x 2 and £600I had been giving my mum rent money every week for the past few years (in cash) which she has saved and gave me for the deposit, money is received for my birthday/ Christmas and cash that I had…
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Precise
Anybody used/using precise can give info about process and timeline. We submitted last week, a couple of questions have come back but nothing else. Praying for some positive news.
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Porting a HSBC Mortgage
In the next year or so we are looking to move to a house in the same kind of price range. Does anybody have any experience of porting a mortgage with HSBC? Was is straightforward, difficult? Am I right in saying that they carry out exactly the same affordability checks as when the mortgage was first taken out? One slight…
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Help To Buy Question
In 2003 I bought a flat and sold it in 2006 and have never owned another property since then. Would I qualify for a Help to Buy house or would that flat I bought in 2003 be classed as my first time buyer. Thanks
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Guidance on remortgaging to renovate existing property and how valuations work
Hi all, I'm looking for a bit of advice please. My mortgage product is up for renewal. My current debt is £322,000 and identical houses like mine have sold for around £550,000. I am contemplating taking £60k out of my mortgage to do a loft conversion & garage conversion, turning the house into a 5 bed with two reception…
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Joint mortgage FURLOUGH
Looking for some advice. I am looking for a joint mortgage but my partner is on furlough. We have 25% deposit and qualify on calculator with his furlough salary. Are any providers willing to offer mortgages when 1 applicant on furlough? Tia
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Parents gift of paying lump sum off mortgage,
My father wants to pay off half of my remaining mortgage (as a lump sum). We have a repayment mortgage with Nationwide, 11 years left to pay. How is the best way to do this? Ideally we would like to half the years left on it.
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Getting a mortgage with under 25% shares in a limited company
I've read that if you have over 25% (some lenders 20%) shares in a limited company, you are classed as self employed. So does this mean if you have under 25% shares in a company you're treated as employed and only need 3 payslips? Any help gratefully received!
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Protecting bank of mum and dad proportional share
Hi, our daughter is a first time buyer with her partner and we are going to give them £50K towards a £300K house as a gift with no expectation this would ever be repaid.. They have some savings of their own in addition. They are happy and are likely to marry in the next few years, but you never know the future. Should they…
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Mortgage application ongoing whilst covid positive.
Hi, sorry I am new to this forum so not sure if it's correct category. I was wondering if anyone could advise. I tested positive for covid 19 on 8th Jan, however I am improving very, very slowly. I am extremely fatigued to even walk around the house. However, I have a mortgage application with Halifax and it's near the…
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Mortgage based on affordability rather than x6 my salary?
Hi guys Firstly sorry if this is in the wrong category I couldn't find one specifically for mortgage advice.... Just had our home evaluated for £350k I'm willing to sell for £340k depending on the offers. I've got 80k (including pen charges) to pay off existing mortgage lender. Kiss goodbye to a further £25k on stamp duty,…
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Halifax Mortgage in principle
Hi All, just after some good stories on any information on the likeliness of being accepted for full mortgage offer with Halifax? ive had credit problems in the past, had a CCJ for £330 due to come off in 5 months, also defaulted virgin media account due to come off in 6 months. All fully satisfied. My credit score is…
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Interest only
Hi , I’m totally in a mess don’t know which way to turn I’m 50yrs old had a interest only mortgage for last 16 years, 147,00 just buried my head in the sand , I’ve got saving of 60,000 which was for me and my wife to enjoy later life , we’re not huge earners plus we don’t really want to sell our home , just don’t what to…
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Mortgage based on affordability rather than x6 my salary?
Hi guys Firstly sorry if this is in the wrong category I couldn't find one specifically for mortgage advice.... Just had our home evaluated for £350k I'm willing to sell for £340k depending on the offers. I've got 80k (including pen charges) to pay off existing mortgage lender. Kiss goodbye to a further £25k on stamp duty,…
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Tracker offer worse than fixed? And fees vs no fees.
If someone could double check this here - I am used to seeing trackers being a better % (at the start at least) than the fixed package for the same period.Currently the offer from Nationwide stands at 2yrs fixed 1.49% or 2yrs variable 1.79% (base+1.69).Am I understanding this wrong? As I don't see variable working out…
