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Negative equity mortgage with Ex-Partner
Hi, I have a joint mortgage with my Ex-Partner, the mortgage is at £30K negative equity. since we split up 3 years ago my ex refuses to pay anything towards the mortgage and I had to make full payments to avoid having the house repossessed and a negative impact on my credit score. We are now planning to sell the house,…
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Getting a FTB mortgage on spouse visa
Hi all, I was wondering if anyone could help! My wife and I are planning to buy a house as first time buyers. My wife is a non-EU national who has been living in the UK for 3 years, but on her spouse visa since October 2020. She will get indefinite leave to remain in October 2025. She has been working as a secondary school…
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Natwest mortgage
Hi Is anyone applying with Natwest? Was interested in time lines, success etc?
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95% mortgage with a Help to buy ISA
Is a 95% mortgage with a help to buy ISA possible? Or is it only one or the other?
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Remortgaging with intention to move home
Just running this by the forum in case there are options that I've missed/anything else to consider. My partner and I (unmarried/not civil partners) each own a property. We are hoping to move to a new property at sometime in the future, hopefully next year but with two properties to sell and her daughter looking to move…
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NatWest mortgage application, payday loan and adverse bistory
Hi, just looking for some advice. My partner and I are currently making a joint application for a mortgage. He is already a home owner, I’ve never had a mortgage. We earn 94k a year combined without over time. We are going through a mortgage broker who got us a DIP with NatWest for 10% and up to 328k, we found and our…
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Newly Qualified CeMAP no Cas
Hi, I have recently achieved my Cemap. I am looking to join a Network to get my CAS status as I can’t get any employed role. I am looking to set up my own firm now. which network is best for Newly qualified advisers please? Many thanks
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Barclays mortgage
Hello everyone , just wondering how good Barclays are with FTB ? I’ve already got an DIP of them , cheers .
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1st time buyer, Help to Buy ISA, Gov HTB & Guarantor
Hi, My son is staring out on the road to buy his first home which is a new build. If I am entered on documents as a guarantor will this void his application to use the Govt HTB scheme and the Help to Buy ISA that he has?
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Can I search for a better mortgage offer?
Briefly, I'm a first time buyer likely to complete on the last of July. My brokers got me a mortgage offer from Virgin (2.59%, £990 product free 2 year fix based on 85% LTV on a 280K house) back in early April and my solicitors have completed all the necessary financial checks pending exchange and completion. However over…
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Santander info
The house I'm buying was devalued by Halifax so I'm trying again through santander. The valuation has been done last Thurs so I'm awaiting my mortgage offer now. They've now cone back wanting more statements from bank. Do you think they would tell me if the house has been down valued or just give me an offer of what they…
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BTL for flat about restuarant
Does anyone know mortgage lenders that will give BTL mortgages for flats above restaurants? My situation is - I have a flat that is in central London, respectable area, 15 mins walk from the Thames and does well in the rental market. I have it rented out on a consent to let right now. But three mortgage lenders have turned…
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Barclays mortgages FTB
Hi everyone , just got a DIP from Barclays saying me and my other half can lend a maximum amount of £250000 and we have a £30000 deposit , so £280000 to spend , was just wondering are Barclays quite reliable in accepting you once you find a place after they’ve gave you a dip ? Thank you !
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Mortgage Deleted - What would you do / expect!?
Hi Guys, After some opinions.... We (finally) completed on our 2nd home (not an actual 2nd home, the second step on the ladder) last week. We had an offer in place by NatWest and everything was good to go. Our Solicitor was about to exchange and request the funds when we discovered by pure chance (we weren't notified at…
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Mortgage after DMP
Hi guysI'm looking for people with success stories that managed to get a mortgage after paying off their debts via Debt management plan. I was told I need to show clean credit report for at least 12 months from the date of finishing my DMP. I know defaults pay a major role and first defaults will come off my credit file in…
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1st time buyers income query
Hi all After a bit of advice, we are currently in the process of getting our ducks in a row before looking to buy our 1st home around the end of the year. Just have a question regarding our incomes for the applications/calculators. I am full time and always have been but my wife is part time (30 hours a week) but she also…
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At one year left will switch to SVR
Hello, Our Mortgage finishes in October 2022 but in October this year the fixed rate ends, the minimum fixed period with my current provider - Skipton - is 2 years. What is my best option for the remaining year?
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Nationwide mortgage - advised to take 2 products
Hi all, A few months ago I decided to sell my flat and buy a bigger property. I had an existing mortgage with Nationwide with around 8 months left on the promotional contract. When I phoned them and went through the process of getting a new mortgage, the advisor convinced me to take out a 2nd Mortgage product, instead of…
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Looking to change mortgage offer HELP!!
I have had my mortgage offer through but I was offered less due to not being able to produce a tax overview from the HMRC (I’m self employed) I have now received this tax overview from the HMRC and it would be great to get the higher amount and not have to put as much deposit down. My question is has anyone enquired about…
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Keep tracker mortgage or fix for 2-5 years
I have a £210000 mortgage on my residential property on a £1.29% tracker for another12 months . I want to take some 80K additional borrowing to pay off another BLT property ( total of £290 K should be just <60% LTV) . Should I remortgage the total with a 2- or 5-year fix ( and lose the 12 months left on the tracker…
