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Mortgage Arrears
Please please can someone help me. My husband and I separated 8 years ago, we had a joint mortgage. He was arrested without charge for violence towards me when I had a 1 year old and was heavily pregnant. it took years to get a divorce because he wouldn’t engage and I didn’t know where he was. It cost me £12k in fees. I…
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Nationwide Mortgage
Hello we have just recently applied for mortgage with nationwide and i am keen to hear other people's experiences. we completed AIP and we then had to meet with one of their advisors. After this meeting with advisor we were told DIP application was a refer. the following day refer was accepted and hard search was complete.…
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Mortgage Application Help
Hi all Newbie here but really looking for some helpful advice… Will be applying for a joint mortgage within next 6 months (ideally High street lender) Joint income is 47k per year, looking at 175k house with a 30k deposit… Partner has perfect credit, no debts, has also got a mortgage (selling properly currently) My credit…
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Cashing in 25% of pension to discharge a mortgage
Hi, sense checking a situation here. We have a £271k interest only mortgage that we took out on our home to buy a rental property about 9 years ago. The rental property has no mortgage and it produces an annual income of c.£18k after all costs but before tax. Our mortgage was on a fixed rate of (1.34%) so our monthly…
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Age/length of mortgage
I'll hopefully be going for a self employed mortgage in a few years when I'll be 55. I'm a bit confused as to how my age could affect things. I always thought I would only be able to get a mortgage up to the retirement age (67, 2039), but then I read it's possible to go beyond. I don't/won't have a pension but my book…
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Declaring Bankruptcy after 6 years?
Hi all, hoping for some advice. My bankruptcy was removed from my credit file last month and I’m not applying for a mortgage, or my broker is sorting it. However it’s been 6 years and 1 month since the bankruptcy, he is saying he has to declare it? Even the question is “have you ever been declared bankrupt in the last 6…
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Can anyone recommend a solicitor who can help with an interim charge order please?
Someone who knows about Form K Restrictions. Thank you in advance!
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Mortgage application and credit record
Hi. I'm looking at moving house. If the mortgage was declined because of an issue with the valuation would it leave a mark on my credit record? Even though the issue was not due to my financial status.
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Do you need to set up a Trust when taking out a life assurance policy
My son and his partner are in the process of buying their first home. They have a mortgage in principle and an offer accepted on a property. The sellers are still looking for something to move to. My son just asked me who to add as a trustee for the trust they need to set up for their life assurance policy (advised by…
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Engage credit (pepper )product transfer
I am landlord with buy to let mortgage-favourable terms just expiring . mortgage with engage credit engage are a trading name of pepper mortgages . Mge was taken out with pepper . about 3 years ago pepper 'unilaterally' transferred it to engage .(terms unchanged allegedly ) i am considering a product transfer (yes i know…
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Self published Author Getting a Mortgage?
I'm hoping to be able to apply for a mortgage in mid 2027, so a long way out from now. But I wondered if my work situation might be an issue. I'm a self employed, self published author, which means I earn direct from having books on Amazon, and Amazon pays me. And that's fine, but my income heavily relies upon advertising,…
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Lifetime Mortgage
Hello! We are considering a Lifetime Mortgage. We have a lovely house in a city which is highly unlikely to ever see significant price drops, but stupidly, due to earnings (low!) we have an IO mortgage. I'm 61 and my husband is 68 and retired and we are worrying about how to manage when I retire - also I want to retire or…
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Mortgage for extension
We've decided to stay out and look to possibly do an extension so have applied to borrow more against the house. We've submitted our application and documents however the bank have asked for planning permission/plans and builders quote however we have yet to get an architect and draw up plans or apply for planning as we…
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What is my entitlement or percentage
Hello all I have just found out by receiving a letter from mortgage company...that my ex partner has passed away very sad way of finding out her death and apparently she died a few months ago as we had been seperated for 12 years so ill try to keep to the point here the mortgage was taken out in 2003 between the 2 of us so…
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Bank of England meet next Thursday
Bank of England meet next Thursday.The market expects the UK base interest rate to be cut from 4.25% to 4% next week. My mortgage fix term runs out on 31/8. Maybe someone here knows when banks would apply rate changes after the announcement? Ive read somewhere that it happens on the 1st of the following month. Would this…
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Lenders you can remortgage with, within 6 months of owning the property
My daughter , First time buyer won a house at Auction .We have lent her some the money so requires to eventually get a mortgage to pay us back.We've read most lenders require you to of owned the property for 6 months plus before they will lend??Ive read Santander will lend before the 6 months but not confirmed this . Are…
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Buying property from ex
Joint owners, 3 children together. Not married. I remained in the property with our children and have paid all the mortgage for the last 12 months as he said he couldn’t pay it. He hasn’t paid a penny in child maintenance either and I have now contacted CSA. He is bullying me into putting the house up for sale I have said…
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New mortgage fix duration
Buying a new house as a first time buyer, and I'm hesitating between a 2-year and 5-year fix. The rate for 2 fix is 3.69% and for 5 fix I could get it for 3.84%. The question is, how should I read the current rates given the bank of England rate of 4.25%. Given the banks need to make some profit, does it mean they assume…
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Synectic Solution Refer market by Nationwide
Hi, I applied for a mortgage with Nationwide through a broker but my application was declined without any reason. Following the rejection from Nationwide, I applied with Halifax and Halifax also declined my application. My mortgage advisor advised me to get DSAR from the following frauds prevention databases, CIFAS,…
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Joint mortgage and separation - ex has stopped paying
I am currently separated from my husband and we have a joint mortgage. I am in the property with our toddler, he’s somewhere else (wont tell me where) He was giving me 60% towards it but it’s all got nasty after I wouldn’t let him have a phonecall with our son because he’d just told me he’d cheated on me and I needed some…
