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Joint mortgage with differing credit - chances of acceptance?
Hi there I wondered if anyone had any experience of this, either personally or as someone who knows about mortgages professionally. I have a good credit/financial history including a mortgage which is in my sole name. My husband has a poorer credit history which included some payday loans/bad decisions from around 8 years…
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Continue with online Broker or apply direct after down valuation?
Hi, wondering If anyone has any advice? I've applied for a NatWest mortgage via Habito and the property was down valued by 5%. I want to apply to a different lender but I'd rather apply direct. Would it be considered rude to ditch the Habito broker?
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Buying a house at 70?
Hi, I am hoping someone can possibly offer some advice. Dad is 70 and has been offered the chance to buy his council house. He has some savings but not enough to cover the full amount (he could cover 40% of the value comfortably). He doesn't claim any benefits. He has private pensions totalling around £440 per month plus…
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Getting a mortgage based an employers letter stating wage increase
Hello I dont know if anyone can help, but I'm looking at taking a mortgage with my partner and we have been accepted with a DIP from Nationwide. My partner earns about 17k and I earn 23k. But the reason for the mortgage is I have been offered a new position with in the company that I have worked for for the past 18 years.…
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Bluestone Mortgages
Hi, can anyone help who has been in a similar boat please since the new intake of staff post Covid? My valuation survey has been booked in for 20th September so not too long of a wait but providing all goes well how soon realistically could i expect a written offer and then to arranging move in dates ?
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Which lenders mortgage with a 'deed of consent'?
Hi, I was wondering which mortgage lenders are ok supplying a deed of consent?
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Kent reliance mortgage
Hi everyone. Just wondering if anyone has had any recent experience with Kent reliance mortgages. I’m buying a new build shared ownership and have just submitted a full application. Any idea how long it takes roughly? Also I’ve heard they are very thorough. I have only submitted the statements for the 2 current accounts…
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Letter/Deed of Postponement
Hi wondering if anyone can help with this. Bought a property under right to buy 2 years ago so we are still in the 5 year 'discount repayment' period. Looking to remortgage to a high street lender but in order to do this i need a letter/deed of postponement from the council. We are not looking for additional borrowing just…
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Adding a partner to a property without being liable to stamp duty
Can I sell my partner a percentage of my house (not mortgaged) for any sum I choose? Can transfer 40% of equity for say £120k, regardless of the value of the property?
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Mortgage funds arrival
Hi all, I am due to complete on Friday 10th sept. I had a text from nationwide on 26th august that my solicitors requested my mortgage funds to be sent in 9th sept. do I ask/is it normal to ask the solicitor to inform me when the mortgage funds have arrived or do I just leave it? Feel like I want to ask but then I’ll also…
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Repaying secured Loan
Hello, I’m in a position to pay off a secured loan and have asked the Company for a redemption figure. The chap I spoke to was quite pushy and told me I had to do it through a solicitor. Surely I don’t need one just to pay this back? All I want is a figure and I can send them a cheque and it’s gone. Advice please…thanks
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Transfer of ownership and Mortgages
I'm rather confused and unable to find the right info so thought I'd ask here. I've split with my GF and all is good, we are in no rush to sort this out. The current mortgage runs out in July 2022. Now I've read it's best to look for a mortgage some 6 months before so around Jan 2022. But, I'm confused at what point we…
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Stuck on an old interest rate due to arrears
Can anyone offer any advice please. We are with Yorkshire and on an interest rate of 4.55%, we have arrears that we have been paying off at an agreed amount monthly whilst maintaining our monthly payments. There are far more competitve interest rates available with yorkshire but we have been denied a product transfer due…
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Help to buy wales - financial advisor advice
Hello helpful people! I’m currently waiting on a new build plot release in October and as there’s only two plots available I’m trying to get as much ready for the application as I can. The AIP is ready and paperwork as much as I can…however the help to buy loan that I will need is confusing my poor brain! My mortgage…
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unemployed and rights to buy
both my with and i are unemployed claiming housing benefit can we purchase a property with the help of friends and credit..? how would this affect us benefit wise? good afternoon my wife has been disabled for some 20 plus years now my wife receives benefits of personal independence payment & employment and support…
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Virgin Money Mortgage app Timeline
Does anybody have some recent information on Virgin Money mortgage application timelines? We havee been given a wait time of around 2 weeks from submitting application (via broker). Thank you.
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Do Halifax do a 2nd credit check?
We have passed the initial stages with Halifax including credit check and affordability. We are waiting for the mortgage offer. Do you know if they do a second credit check? There is already 1 hard search they did which passed, but it knocked my score down. Also we want to order a new kitchen which is interest free but…
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FTB - How to get mortgage on house with unfinished extension?
Hello, New user and first time poster here looking for some information if possible. My partner and I have been looking to buy our first property for a number of years now. We have saved hard in order to raise the necessary funds to be able to get the certain things we would both like, i.e. a garage, conservatory etc. We…
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Mortgage for 76-year-old
I already own 1/3 share of a flat and have the opportunity to buy out the co-owner. I am 76 years old and cannot obtain a mortgage, even through a broker, anywhere. The two main objections seem to be my age and that if I complete the purchase I would own all three flats in this block plus the freehold. I understand the…
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Trust Deed with different deposits
I’m so confused. Basically buying a house with my partner we’re not married and he has a child from a previous relationship. We’ve agreed as tenants in common and I will do a trust deed to protect my money as my deposit is just over double his. We agree to pay the same mortgage amount each month to keep it simpler to keep…
