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Barclays AIP
I have received an AIP from Barclays after being declined by a few other lenders, is this a good sign or do Barclays just give these out without really looking at credit files?
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MSE Mortgage Best Buys vs Mortgage lender's websites
Using the MSE Mortgage Best Buys page I found Leeds BS mortgage at 1.94% but on their website it says the 5 year fixed rate is 2.44%. Also I cannot find how to get a mortgage illustration on their website, only an approval in principle.
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Nationwide Helping Hand Mortgage
Hi all, So long story short Nationwide have now raise the entry criteria for the Helping Hand product. It is now 37K for sole applicants and 55K for joint. My query comes from the fact that I submitted my documentation, received a decision in principle, booked an appointment with a Nationwide mortgage consultant to submit…
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Remortgaging early given interest rate prospects. Worth it?
I am about to enter the fifth year of my five-year fixed-rate mortgage with Nationwide. When I got the mortgage it was 85% LTV and I was a first-time buyer. Interest rate for the fixed period is 2.19% and, for the last year of the mortgage there is a 1% early repayment charge. In any case, given the prospects of increases…
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Over payments and length of mortgage?
Making over payments obviously means a mortgage would be paid off sooner than the agreed period but does the agreed length of the mortgage still stand?
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Do I switch and risk later addition borrowing being rejected?
Just after a bit of advice neededhere. I have been with Skipton for 5 years, fixed at 2.34%. Deal ends at end of May. I have been offered a 5 year fix with Nationwide at 1.79%, Skipton can't match this. My issue is that we are wanting to build an extension later in the year/next year, we have an architect drawing up plans…
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Mortgage Product Fee Refund?
We’ve been trying to get our chain over the line for months now and the end is in sight however our mortgage for the onward property won’t be extended by more than two weeks by Barclays which won’t be sufficient. So we have to now reapply for a new mortgage :neutral: Should we be entitled to a refund of the product fee for…
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Mortgage application- bank statements question
Hi there we have sold our house and we have put in a mortgage application with Kensington (2 satisfied CCJs from 4 years ago that’s it) we have a 20% 50k deposit on a 250k property and combined we earn 63k with no other debts we have sent our bank statements however because of Xmas and a couple of January birthdays there…
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What type of mortgage should we seek?
I haven't had a mortgage since 2003, my wife since 2015. My father has died and we have the right to buy his house (which have lived in for 7 years) from the estate. I have inherited 42% of it. What type of mortgage are we applying for? Can we apply for first time buyers? Its not a re-mortgage per se either. We don't own…
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Remortgage quandary
Hi, I'm wondering what others would do in my situation.I want to put my house on the market in April or May and buy another one when I have an offer. My current mortgage deal happens to end in June. Is it worth remortgaging in case the process takes long or plans change? And would you get a fix or a tracker which would be…
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Re mortgage question
Hi, I am currently remortgaging incorporating our HTB into the new mortgage. Our mortgage broker have secured a deal with Halifax, and have just received the paperwork. I’m a little unclear regarding what valuations I need , I know I need to get the HTB valuation to work out total amount owed including the 20%. The…
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Lender won't accept changes after Illustration
Hi all,We received a Mortgage Illustration with Virgin Money late January with a rate of 1.99% 5 yrs fixed, new build.
As a couple we are applying together. We've hit the roadblock that as my wife is currently on a spouse visa (with the move to make this permanent in the next 2 years), they are now turning round to say…
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Mortgage refused
We applied for a mortgage with Santander (we bank with them) we have a deposit of £130,000 and want to borrow £180,000 just been told it was refused as I have used an unauthorized overdraft on a few occasions (small amounts) we have no debt (paid it all off before applying) are we likely to get a mortgage from someone…
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Moving my family to my Father's property - unsure of our options
My father is 80 and is living alone in his property since my mother passed away last year. It is our intention that my wife, children and I move to the property to be with him and in that respect it has been discussed and everyone is on board. There is a 60K mortgage still outstanding on the property, 30K repayment and 30K…
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Natwest Mortgage Re-Keying
We applied for a mortgage with Natwest on the 7th of March and provided them all the docs they requested for via digilocker on the 8th of March - also received a tracker number then. Currently the Natwest tracker is showing no information for us when we put in the 8 digit tracking number, so I called Natwest and they've…
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Remortgage now or wait to avoid early exit fee?
Hi. Our fixed rate mortgage deal with Natwest ends in August. We are keen to agree a new 5-year fixed deal, whether that's with Natwest or someone else, as we're worried about interest rates jumping up at any moment. If we want to agree a new deal with Natwest, we can't do that until mid-May or we'll incur a £2,000 early…
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Payslip/Bank Statement Mortgage Application
Hi, I have 2 forms of employment 1 of those is through a family business where my husband is the Director and 100% shareholder. We have an accountant who deals with all our tax/HMRC. We have recently applied for a mortgage and he has sent over my payslips for the past 12 months, he does this through HMRC PAYE. The wage…
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Natwest mortgage timeline
Hi, we applied on 3rd march..and our broker is on holidays so we have no idea whts happening with the application. Can someone plz tell how long before we hear abt the mortgage offer/valuation etc..many thanks
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Bluestone
Has anyone got to offer with bluestone mortgages and wanting more legal documents off the gifter the grandparent is well in her 80s and seen at offer they can ask for her to do extra legal documents Thankyou
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Starting new job and applying for mortgage
I worked for a company from 2014 to 2020. I then then left in May 2020 and rejoined this month (March 2020). I need to apply for a mortgage straight away, how many lenders would accept one pay slip? Does the fact I worked there before help? Thanks
