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Mortgage Deal coming to an end
Good Morning So our current mortgage deal is in 2 parts (we moved house and borrowed extra). The original part deal has finished and is on variable. The second part finishes in June. Apparently I can change in march with current supplier. Looking at their deals avail currently I can get cheaper deal elsewhere which will…
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First Time Buyers - Mortgage with guarantors
Me and my girlfriend are looking to buy our first home. Both just had career changes and went to University. Before we went on our career change we managed to save £39,000 between us. Having now graduated, I’m on a starting salary of 25k a year. My girlfriend still has 18 months left of her studies, but we’re eager to buy…
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What’s my best employment option for a mortgage
Yes it’s a challenging world and the more I look at mortgages the more I feel it’s never going to happen for me. I am a company Director of an events company on PAYE currently earning £12500, The company does have good profits and I’ve spoke to my accountant about taking dividends to obtain a mortgage but these self…
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Mortgage ID/ proof of address when staying with family
Hi, hope someone can offer advice please. We have just completed on our house sale and move in with family temporarily while we find a house to buy. How will this affect our mortgage application as we will have no ID or proof of address here yet. Should we get our driving licence address changed to here and get ourselves…
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New development estate charges and underwriting
We are in the midst of applying for a mortgage for a new build. The valuation was carried out and has been valued as expected but they have asked for further info on estate charges (yearly maintenance payment). Has anyone had experience of this and has it impacted on your mortgage application/offer?
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Mortgage advice
My partner and I are first time buyers and looking to get a mortgage. I have a poor credit history (12 payday loans and 10 missed payments on credit cards - the last of both of these being 3 years ago). I now have an excellent credit rating and my partner also does. We earn 42k and 47k respectively in secure government…
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Mortgage broker - bad credit
Hello, First time poster! I am looking for a mortgage broker. I have bad credit (i think) - a few missed payments. How do i find a good broker i can trust? I am considering Finance Advise Centre.... I'm just nervous to start the process! TIA
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email from onefamily finance
HI. Got a email from onefamily finance telling me that my mortgage rate is to increase by .25%. thought it rather odd, as I have no mortgage, and have never had any dealings with onefamily finance. any one else got same email or similar.
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Electoral Roll effect on credit rating when temporary renting before buying
Hi. We have a mortgage with Virgin that we are porting to a new property (offer in place). Our sale should complete this week, and we will be in rented for about a month before we complete on the purchase. We are on the electoral roll for our current property, and have checked our credit scores which are clean. We…
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Choosing between a 2, 3 or 5-year fixed FTB Mortgage right now?
Hi all, apologies in advance as this is fairly long. Me and my partner have had an offer accepted on our first home for £228,000 and we’re in the middle of looking at mortgages but I’m tearing my hair out right now with what’s going to be the best deal for us after going through 3 internet brokers and some advice from one…
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Endowment with profits & critical illness calculation upon death claim 1Yleft of full 25Y term
A couple of questions on this. 1.Does the endowment provider have to advise on if its better to continue to completion or to process the death claim. 2. The policy currently has a shortfall based on original requirements of around 6K, but no terminal bonus applied, the mortgage has been paid off so its not a big problem to…
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Aldermore DIP
Hi All - Newbie Here! I have a DIP with Aldermore (adverse credit history) and am interested to hear from anyone who has applied through Aldermore recently to know how their process went after DIP stage - has anyone had a mortgage declined after DIP? My affordability was tight on the DIP and my bank statements are a bit…
