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Question about application and CC debt
Hello, I have a question regarding getting my finances ready for a potential mortgage application in the near future, 6-12 months from now. I’ve also posted This in the CC forum I am in full-time employment and over the last few years have also operated a small weekend business online as a sole trader. Over those years I…
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How to prepare for mortgage application?
Morning all So we want to put our one bed flat on the market early next year and port the remainder of the mortgage across to a new property. We will be needing all funds we can scrape together for this move (I am allowing enough for stamp duty, EA fees, Solicitors ect) I have two questions Is the fact we have never missed…
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Do you think we could get a mortgage...?
Current situation is that I live in a mortgaged property that I own with my ex partner, whos now moved out. He is asking me to sell the property or buy him out, but on my own, i wont get the mortgage, therefore I am looking at the possibility of getting a mortgage with my Dad, for him to move in and to enable me to buy my…
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Overpaying two-part mortgage
I'm seeking some thoughts on overpaying mortgages. I've looked at other threads but our circumstances are slightly different to scenarios in those hence this post. We have a two-part mortgage having ported previous mortgage and taken on extra borrowing for a house purchase 5 years ago. Now one part has reached the end of…
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Lloyds bank product transfer mortgage rates
I've been on the variable rate for ages for various reasons, on an interest only mortgage (bad financial decision). I'm not able to remortgage due to income (even though I always make my payments and overpay! I've seen a broker), so I am speaking with Lloyds about a product transfer. In the initial conversation which…
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Recommend a good conveyancer
I have made an offer on a house which has been accepted. I need a good conveyancer as don't believe some of the reviews online. Please recommend based on your experience of their service.
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Would you pay mortgage off
Currently have a mortgage for £46500 at 5.2% roughly £200 pound interest per month. I have max holdings on premium bonds and won average of £150 per month so far this year. The early repayment is 1% so about £465 it drops to zero in May 2026 should i cash premium bonds in and settle my mortgage been thinking about it a…
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My buyer's mortgage blocked by drain issues
My buyer's bank was blocked getting his mortgage, as their homebuyers 2 survey ideitified supposed drain issues due to a collapsed pipe. I got the water board company (Severn Trent) to perform a full CCTV inspection and there was no collapsed pipe and water was free flowing. They generated a report via email. Will this…
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Second mortgage?
I currently own a property it’s worth £225k I owe £115k on it with virgin bank. My mum lives in this property & I rent an apartment £600 per month. I’m self employed and am just doing my first tax return I earn £35k. I want to get a mortgage for myself. Is this likely to be able to be done and what type of deposit would I…
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Special Guardianship Order & a gifted deposit
Hi all, My partner and I are looking to buy our first house in Wiltshire. To help us, my partner’s parents would like to gift us £10,000 towards the deposit. They aren’t her biological or adoptive parents. She was placed with them under a Special Guardianship Order when she was a child and lived with them until she moved…
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Should we max ourselves out on our mortgage?
Husband and I (32M and 29F) are looking to buy our forever home but not sure if we would be stretching ourselves too thin. We have considerable equity in our current home due to my parents helping us get on the property ladder 6 years ago. Figures House price: £700k listing price Deposit: £250k Mortgage: £450k @ ~3.9%…
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Mortgage final checks
Due to complete in a couple weeks mortgage with skipton what are the final checks likely to be just a final credit check or bank statements and payslips want to have everything ready for completion
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Second Home as shared Ownership
Me and my partner recently purchased by first home as a first-time buyer 4 months back. Both of us are working in same company which is now planning to close it's facility and making us terminate from position. My partner found job in oxford and we want to move there. While looking for renting options, even single bedroom…
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Mortgage when splitting with partner
This is probably more legal but I'm not sure where to post so sorry if this is incorrect. I'll also be getting proper legal advice. This is more a "what can I expect" sort of request I bought my home with my ex husband in 2016. We divorced and had a gentlemen's agreement about the equity. My new partner moved in mid 2019.…
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Joint mortgage agreed in principle, but an old pay day loan from 2018 has appeared on my file?
So me and the Mrs have had a joint mortgage agreed in principle on a £370k house with a deposit of around £135k. We have had our mortgage approved in principle through a broker and through RBS. I had some pay day loan history back in 2016-2018. This should be off my file, but one company, The Money Platform, have for some…
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Merged: Prefect credit report but still rejected
This discussion has been merged.
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Remortgage - Affordability Question
Hi, I am due to remortgage in June 2026 and am currently roughly half way through paying off a 10k loan at £211 per month - I know this will be taken into account for affordability at remortgage stage and wondered if it would be better for me to take out a new 5 year loan for the 5k balance (which would reduce my monthly…
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Advice on broker needed
Please excuse my niaivity, I have been speaking to an advisor and they seem to think with the situation I'm in I can get a mortgage offer, but as it's a relatively low deposit the monthly payments would be possibly too high. I said I may need to wait until April when I can save up another chunk and get another £1k, ie 5k…
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Can I mortgage my french property to release cash
Hi, My husband and I own a property with no mortgage in Brittany, France. We've had it for approx 20 years. We would like to access some of the money in the property. How can we go about this? Is it possible to get a mortgage or loan with a french bank even though we don't live in it. It is just a second home, we do not…
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Number of Committee members
Firstly apologies, I don't know what category to put this in. I need to know what is the number of committee members required preferably legally for a committee for the following. - A housing development consisting of 16 private properties - Built on freehold land - The committee consists of residents only - To oversee and…
