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Porting mortgage when breaking chain. Is it possible with HSBC?
So we have an approved mortgage and a complete chain. A slight issue has arisen whereby the bottom of the chain's mortgage offer expires in mid-late April. However, the very top of the chain doesn't want to move until mid May due to an operation they have booked in. So hopefully the bottom of the chain just apply for a new…
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Halifax re-mortgage with historical adverse credit history.
Hi everyone. I wondered if anyone could give me any insight into our remortgage application and whether it appears to be going in the right direction. We bought our home in August 2020 using HTB. At the time, we were placed with Precise due to our credit history. We are now at the point of going through a remortgage and…
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Santander mortgage offer extension
Hi, we’ve received mortgage offer with Santander. The front page of the document states ‘the below information is valid until 13th September’. Our new build isn’t going to be completed until the end of November - will we have to reapply for mortgage again or just update the product? We were told that it will be just…
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Need £60,000 - loan or mortgage
Hi My parents have gifted me their house which I am in the middle of transferring title deeds etc.... I have started major renovations because the house was in a bad state i.e. damp, damaged roof and the house is now stripped to bare brick more or less. I need to borrow £60,000 to start on the renovations. My current house…
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Interest only mortgage and out of fixed term
We have an interest only mortgage which has been out of its fixed term for some time. We have left it like that as the rates have been low and we have not been in a position to remortgage. So I have a few questions. Background: Since taking out this mortgage we have not paid anything off and we have some some financial…
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Can my partner buy into my home?
Hi i own a house outright, which was a gift from my parents a couple of years ago. we have been looking to move home and get a mortgage and put the new property in joint names but there is nothing we like so instead thinking of staying where we are and having some work done to make it how we like the problem we have is we…
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Barclays mortgage - awaiting valuation results (FTB)
I'm currently waiting for the valuation report and mortgage offer back from Barclays, it's been 4 working days and the waiting is so painful. - I see many other people seem to have received mortgage offer the day after their valuation. The valuation has been done by Countrywide surveyors and I regret looking them up, they…
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First remortgage coming up, should I get my windows done now or wait?
Hi. I am a new homeowner. My first remortgage is coming up in October 2022. I currently don't owe anyone anything (apart from the mortgage obviously). I am looking at getting the windows to my house done. In total I'm looking at £15,000. I have wooden framed single glazed sash windows. Getting the new double glazing will…
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Separate mortgage offers on 2 different properties (but will only buy one)
Hi MSE experts, thanks in advance for help on this bizarre situation! We have got one mortgage offer "open" from Santander. It was issued for a property last year, which sadly fell through after the sellers withdrew after 8 months (!). We then found a new property, and our broker transferred the Santander offer. New…
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Switching Mortgage Products prior Completion
Hello Anyone here switched mortgage products from a rate that had free valuation to a product that had valuation fee?I currently got offer on 2 year fixed deal with free valuation which was already carried out. I now want to switch to 5 year fixed but that normally has a £430 fee!Even though they dont need to do another…
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Will financial associate affect single mortgage application?
Hi I have good credit score my wife has bad. As she is a financial associate will this affect my single mortgage application. If i get mortgage in principle am I good to go?
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Mortgage Illustration Rate Increase
We have already started our mortgage application with Halifax, we have our mortgage illustration with a rate of 1.94% is this now likely to change due to the base rate increase announced today?
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Lloyds 10 year mortgage
Currently Lloyds are offering a 10 year fixed mortgage at 1.86%. With the interest rate rise of today I assume this will increase tomorrow? I know it's a difficult question to answer but what are your thoughts?
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Mortgage Application has been agreed subject to a satisfactory valuation
Hi My wife and i applied for an accord mortgage, my broker said that Mortgage Application has been agreed subject to a satisfactory valuation! does this mean that they will send us the mortgage offer if they are satisfied with valuation or they are still doing checks on us?
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Mortgage Application - on the Electoral Roll question
HI There - I am currently go through a Mortgage application and the lenders have questioned the Electoral Roll situation I have been on the Electoral Roll since June 2019 so no problems there :) , however for 2 years previous I had a temp split in a relationship and I was living at parents so was not on Electoral Roll (in…
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Interest only mortgage
Hi all, I am currently on an repayment mortgage paying just over £1500 a month, the fixed term is due end at the end of June 2022. I've tried to get an interest only mortgage (via my broker) and have been told that there are no products available that meet our criteria. My wife and I are retired from our main jobs and…
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How to take my name off mortgage
Hello, I’m not very knowledgeable on this sort of thing and I’d be very grateful to get some advice. My ex partner and I split a year ago in April. I moved out and he has continued to live there. He has taken on the monthly payments since we split but he is dragging his feet when it comes to him actually removing me from…
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Remortgaging buy to let from abroad
Hi all, I moved abroad 18 months ago and changed my nationwide mortgage to allow the property to be let for an extra 1% on top of my base rate. The agreement expires this month and will switch to Nationwide’s standard rate of 4.99% which is obviously extortionate. They will not allow me to have a new buy to let mortgage,…
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Purchase price lower than value, what LTV?
Hi We have an excellent relationship with our landlord, he urgently needs to sell the property we currently rent from him and is willing to sell to us for less than market value (he is aware he will have to pay CGT on the difference). property value is around £240,000 selling to us for £200,000 we have £20,000 deposit…
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NatWest process question
Hi all, I applied 7th March via a broker & have been tracking my app via the website everyday. Called L&G today to see where they were up to with the valuation & was told they needed NatWest to confirm the purchase price. Turns out NatWest had put £3.1 million instead of £310k 🙄 Anyhow, called NatWest to get them to…
