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Credit file/mortgage query- HELP!
Hi all… I am in need of some advice please.. I am currently in the process of moving homes and want to port my mortgage with Santander. I was successful in getting the DIP, however when I went on to do the application, I was told it had declined due to the following reasons: - Showing active account for a lease car -…
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Mortgage broker fee for BTL LTd product
Hi, there ! Would appreciate your guidance on what approximate expected independent broker fees for BTL limited company mortgage? Is £1000 is about right/ steep ? Many thanks!
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Staying with existing lender or change
I am moving house. The mortgage I have at the moment is just in my name and will be ending on the sale of this house. What I want to know is are there any benefits of staying with the same lender for my new mortgage which will be with my partner? Does it make anything quicker or easier because I've already been with them…
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MORTGAGE ON AN OFFICE CONVERSION
I am selling my flat through an estate agent to downsize. It is a great flat that has attracted loads of viewings and is on the top two floors of an office conversion done in the 1970s. We got a buyer for whom the broker attached to the agent has been trying to get a mortgage. Unfortunately the buyer had put that it is…
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Natwest remortgage
Our Natwest 2yr fix comes to an end at the end of August. I'm wondering if anyone knows if last week's base rate cut has yet been factored into their current fixed rates? Or whether I should hold on a little longer before selecting our new deal with them.
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NatWest Mortgage Offer - Unable to change rate
Hi, We recently applied for a 65% LTV mortgage through NatWest direct through NatWest (No Broker) at 4.32%. Everything went through smoothly and an offer was received within a a couple of days. Due to the base rate going down on Thursday, the rates have now dropped around 0.12%. I phoned them up enquiring about this and…
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Overpaying on CC debt ahead of remortage
So I have some CC debt and I'm working hard to overpay ahead of my remortgage. My current deal is up January 2027 so will be looking for deals around September 2026 but between now and then I'm hammering my credit card debt and overpaying significantly to get the balance down. My question is: - Will the monthly payment I'm…
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Is an offset best for my circumstances?
Is anyone better at working out these things than me? I’d
really appreciate any advice. We require a mortgage of £180000. Best rate we can find is
3.85% with no fee and £250 cashback. We will have roughly £60000 left over once purchasing. We
want to keep this aside in case we want to send our children to private…
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Solid brick construction and mortgage
Hi How hard is to get a mortgage for solid brick single story flat? It is a conversion of an old church hall, converted in the 1980s
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Getting a mortgage with the bank that you previously had debt with.
Hi all, I’m in the process of applying for a mortgage with Barclays, I previously had a Barclays cc of debt of a value of £2.5k that was sold to a debt collector and resulted in a CCJ. This has now been paid off and was over 6 years ago and is no longer on my credit file. Will this affect me trying to get a mortgage with…
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Semi-Commercial Advice Needed!!
Any help and advice gratefully received! A year ago I moved back to my home town to set up a specialist education service. My business is a Ltd co (by shares) and I am the sole Director/proprietor. I rent a property in which I both live and work (I work with children who are unable to attend school, and providing a…
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Is a 2 year mortgage the only way to avoid the high ERC of a 5 year in case you need to move
5 year fixes have high ERCs I’ve noticed. And I see porting isn’t always guaranteed and even if it allowed may still incur an ERC. And consent to let is similar. Not guaranteed and even if allowed, can be subject to fees. So is a 2 year the only way to guarantee the flexibility in case you need it?
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Mortgage Overpayment - reduce balance / term or both?
I am looking to set up a regular mortgage overpayment and have the two options. I would assume reducing the balance and term is the best choice but looking for advice: Reduce my balance and term or: Reduce my balance and keep my term the same. What's the difference / pros and cons to each?
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Want to remortgage, but now have a LTD but it's not my main income
Hello, I was wondering if anyone can help answers some questions I have please. We want to remortgage to take money to renovate our house, I'm employed and my husband is self-employed (he has been for over 10 years). A few years ago I sent up a LTD as a side business, I didn't make any money in the first year and only in…
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6 Month Rule (mortgage/house sale)
Hi, I’m just hoping someone with recent experience can possibly give me some advice/reassurance on my upcoming house sale. I’m having to sell my home that I purchased with my now ex partner due to our relationship ending. The house was only purchased by us 3 months ago and we’ve recently accepted an offer on it. However,…
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Shared Ownership Mortgage After DMP
Hi I’m 54 years old and have just paid off my DMP and would like to purchase a shared ownership home-ideally as soon as possible. Can anyone recommend any brokers who could help? thanks
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Mortgage chances
If someone was a first time buyer, 55 years old, self employed, had 2 year's books. The first around 24k the more recent around 27k, with around 15k deposit, with basically no debt, and a reasonably clean credit report (nothing missed but some late payments), what are the chances of them getting a mortgage on a flat of…
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Due to complete on a house sale but my employer is not wanting to renew my job offer!
(This has been posted elsewhere but was advised to post on the mortgage board) Hi, I am a first time buyer with a mortgage offer from HSBC and due to complete at the end of August (3 weeks ish). We have not exchanged contracts yet and I am buying alone. The solicitor already has my LISA so I am all ready to go. I had just…
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Equity release
Hi, thinking about equity release, (no mortgage and aware of all types etc) but also aware my partner would have to leave the house if i died or went into care as the house is in my name. Does anyone know if the best way round this would be to add his name to the house deeds then go for equity release?
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Short term deal or SVR
As of December my 5 year fixed rate deal ends. Depending on a family matter, we may choose to start house hunting on 1st September, and list our property. If we don’t find anything quickly or the whole process runs way into 2026, am I typically best signing a 1 year remortgage deal in December 2025 (and possibly facing ERC…
