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Help to buy authority to complete?
Hi guys. We are due to complete the purchase of our new home early next week. The solicitor has advised that the lender is ready to pay on the Monday, but help to buy are still processing the application and doing some checks. We're now at the stage where the smallest hold up, ends in a fright and stress as it's been a…
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Transfer of equity
Can a TR1 form be revoked after being signed
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Been a long time - unsure
Hey all, long story short, we have been mortgage free for 8 years. Recently things have changed and I am moving out and buying my own property. The property I am hoping to buy (putting offer in tomorrow) is £180k, which I will be putting down a 65K deposit from the equity of 90K from our marital home. I know interest rates…
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Mortgage on property next door to pub
So we've put an offer in on a share of freehold flat in a smallish building. We were aware from the beginning that we may struggle to get a mortgage however, because the building is next door to a pub. This is in a small village, and the pub is a country pub which is mainly used by walkers, so not a rowdy one! The pub…
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Rosolite Mortgages - anyone have experience with?
I'm trying to pay off preferably in a lump some some or most of an interest only mortgage but the website states there may be penalties if you overdo overpayments and its not clear how to do so in anycase - the site also says to contact us in the event of - The only contact details are via post(!) or phone direct - except…
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Mortgage application ADVICE needed
Well, I’ve recently had 1 default on my credit file that dropped off YAY. There was still a balance remaining on the debt (the debt was with barclaycard, sold to PRA). I followed some advice on legal beagles and sent a CCA request to PRA, who came back to me and told me that the debt was unenforceable. I no longer pay…
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How have asking prices for property changed in your area since summer?
I have noticed on Rightmove the asking prices for flats in my part of outer London have dropped by over 10% since the summer. How have asking prices in your area changed? I was lucky enough to secure a 2.29% rate for my flat this summer, at the peak of the market. However new flats in the same development has now had their…
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Virgin Money - Re-mortgage & Tracker Rate
Hi everyone, has anyone recently remortgaged with Virgin money? If so what rates have they offered existing customers? Also has anyone gone for their everyday tracker rate which seems to be .6% above BOE rate.
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Mortgage with a default.
Hi, I'm July 2020, I defaulted on payments on an Argos card. It was an error in my part and as soon as I was advised I paid it off in full instantly over the phone. I think the amount was around £170. Me and my partner now want to get a mortgage. I'm not a first time buyer. We have zero debt, a decent income and 10%…
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Safe to change phone contracts?
Hi all Mortgage offer from Santander, offered in August, expires 30th Dec. Due to complete 8th December My mobile phone contract is up and I want to change to a different provider which will of course include a credit check. Obviously don’t want to rock the boat so close to completion, am I safe or should I wait until the…
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Nationwide Reductions - help.
It looks like some rate changes yesterday from Nationwide. https://www.nationwide-intermediary.co.uk/news/2022/november/rate-changes My current dilemma Currrent 5 year fix @ 1.79% ends 28 feb 2023 with ERC Current switch rates with NW2 year fix @ 4.845 Year fix @ 4.642 Year tracker BOE +0.49% I applied and have been…
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Offset Mortgage
I have a mortgage with Clydesdale the best switch fixed rate I can swap to is 5.37 over 5 years. The offset rates which are 2 years are quite a bit lower. My question is - how much savings do you have to have to have an offer mortgage? It appears that Clydesdale only do offset or fixed rate. Thanks
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Help to Buy and second properties
General query here. if a couple have a home with a H2B mortgage and then a few years down the line wants to buy a second property, can this be done? I can’t find an answer anywhere and what I have read refers to not owing other properties at the time of purchasing the H2B property.
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HSBC mortgage offer extension?
Hello, Has anyone had any success in applying for a mortgage offer extension with HSBC recently? Looking like I may require one so curious about other's experiences. I will apply for one either way as I guess the worse HSBC can say is no..
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Going on to standard variable after fix ends
Hi can anyone please tell me. Is your lenders standard variable rate after a fix the rate they quoted you at that time of fixing or the rate when you come off? thanks
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Cancelling my mortgage direct debit to make my ex pay it
I have been separated from my husband for 2 and a half years. We are unable to divorce until a financial settlement is reached, which he keeps refusing to do (stalling, not returning paper work, refusing to answer estate agent phone calls). I do not live in our jointly owned home as I left him, however the mortgage direct…
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Issue with lender
This discussion was created from comments split from: Re Mortgage Approach.
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Porting a mortgage question!
I currently own a flat with a residential mortgage, and I am planning to remortgage when my current deal comes to an end at the end of January. I am due to inherit a house in the next few months, and this will be mortgage free. The plan with that is to undertake some renovations that might take around a year (maybe more,…
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Sending solicitor money
We are nearing the end of our sale/purchase. Without looking silly to our solicitors I will ask here first. Do we collate all of our money into one account and then send to solicitor or so we send from the various savings accounts etc we have?
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Halifax not sending me letters regarding my mortgage
My mortgage is up in the Spring, but Halifax haven't been sending me any letters regarding it for over a year, and they've ignored my request for more info & to email me the missing (and any future) letters rather than just posting them. I contacted them to complain and they insisted they have sent them out, confirmed the…
