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Remortgage/product transfer question
Hi everyone. My mortgage is due to renew in October. With barclays currently. I am at breaking point with my job and am struggling to not hand my notice in. The only reason I wasn't before was because of the mortgage renewal but now not sure I can last that long. If I go down a product transfer route with barclays and do…
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Getting a mortgage on a high-rise ex local property
Does anyone have experience with getting a mortgage on a high rise ex local property? Does the limited range of products available make these properties difficult to resell? We had an offer accepted on an ex local property in central London recently, but didn't realise lenders would consider it high rise. We understand…
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Can you pay stamp duty after completion?
Can stamp duty be paid to HMRC directly after completion of house purchase or is it compulsory to pay it through solicitor? My mortgage lender as offered us the mortgage which is slightly less than we required. I can sell a car worse case to fund the stamp duty, but wanted some extra time, and sell it as a last resort..
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Deed of Assignment, change split of beneficial ownership between spouses: does HSBC need to be told?
I'm looking to change the split of my wife's and my ownership of our house via deed of assignment. We're currently joint owners but will become tenants in common and via this deed of assignment I'll transfer 45% of my 50% beneficial interest to her so she has 95% beneficial interest. Essentially to reduce overall tax…
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Self Employed - Can I do better?
I work for an overseas company so I have a full-time rolling contract that has been in effect for 3+ years. I invoice them each month for a fixed amount and do self-assessment tax returns. My other half is in full time employment. First conversation with a broker yielded a rough estimate of what we could borrow. With…
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Advice for mortgage with a default
Hello, I hope you are all well. I am looking to possibly purchase a flat with my partner however I don't know where I stand in regards to a mortgage as my credit history is not clean. The details are as below: - looking to buy a flat which is between £350-400k - our combined income is £71,400 - we have savings of £70k…
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Mortgage with Barclays
I’m looking to get a mortgage for 55% LTV from Barclays but I have 3 payday loans on my record which are all settled and have been since 2018 & 2019 and I also have 5 late payments from hitatchi which is all paid off and has been since 2020 Do you think I’ll be able to get a mortgage?
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Second Charge
Hi, Complete novice looking for some pointers please Looking to borrow more, approx 25k (for home improvements) as a second charge on our exsisting mortgage with existing lender Current situ: Property value £336,000 Outstanding mortgage £179,000 Mortgage term : 23 years left Had a mortgage for 12 years already and never…
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Any advice on getting RBSs digidocs to accept your ID?
I thought this might be a good place to ask for advice! Everything going well with our RBS mortgage application except for the fact that every time me and my partner upload our IDs to digidocs they are rejected a few days later and we are asked to resubmit. I called RBS who were about as helpful as a chocolate teapot in…
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Mortgage Advice Bureau
Looking to buy a house: are MAB any good for mortgages?
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porting mortgage to lower value property
we are 2.5 years in a 5 year fix with Nationwide we want to sell our house ( going on market in next few weeks ) and purchase a flat due to equity in our house we would only require our mortgage on the flat to be half the value of what we have left on our current mortgage how does porting to lower property work? would we…
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Nat West - extending max age but not for existing customers
In the press release last Friday it said Nat West was extending the max age to 75 including existing customers. When I read it I was ecstatic because we got into covid mortgage arrears as not eligible for Govt help and Nat West could not extend the mortgage beyond 70 to reduce our payments to help either. I rang them…
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Natwest haven't taken mortgage payment
Is it normal for Banks to take mortgage payments a couple of
days after the agreed date even if the payment date falls on a working day? My first mortgage payment was due out today but Natwest for
some reason decided not to take it. When I called them to explain the situation, they said
they will be requesting the payment…
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Skipton - product switch
Do customers on product switches need to pay the same product fees as new customers, or do the product fees not apply?
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Skipton Mortgage @ 3.13% with £1,000 cash back OR HSBC @ 1.59% with £1,016 Arrangement Fee
Hi, I am looking to get a next time buyer mortgage and trying to figure out what one of the two mortgages below is the better deal - I am really stuck, can anyone please help? Looking to borrow £100,000 repayment mortgage fixed for 2 years. Skipton Mortgage @ 3.13% with £1,000 cash back HSBC @ 1.59% with £1,016 Arrangement…
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Desktop valuation
Any experience recently and how long till results. Skipton lender.
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Pay off mortgage or leave in offset?
Hello, We are in a slight dilemma. We have an offset mortgage and at the moment it is totally offset against outstanding mortgage balance. We have been very fortunate to be in this position (thanks to my family). We haven't paid any mortgage interest in the past year due to this. The doubt we have is , should we: 1) Pay…
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mortgage company sold to servicing company
can anybody give me some advice last month my mortgage company kensington mortgages sold my interest only mortgage to engage credit . just before the switch in november 21 we were advised to switch to a lower variable rate because we were identified as mortgage prisoners by kensington kensington along with a few other…
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Help Re mortgage/switch products with arrears?
Hi Long time lurker looking for some help/advice please. A bit complicated and feeling a bit trapped although could sell house. We have mortgage arrears. Husband was made redundant, got back on track for two months and then covid arrived, hit our income again. We didn't get any help and struggled. Mortgage with Nat West…
