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Santander Mortgage Operations
Totally inaccessible Santander Mortgage Operations in a Sunderland. Need to discuss with them a very urgent situation regarding the sale of my property where an incorrect charge is on my Land Registry document. Mortgage paid off in 2002 but their charge still in effect! Can’t speak to or email them to sort it out! Written…
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Bank declined re-mortgage - flood risk - is my house now devalued
I have lived in my property 12 years, never experienced any flooding problems, nor expect to. However the environment agency has placed our postcode into flood zone 3. I have tried to apply for a remortgage with my current lender HSBC and it was declined saying this property isn’t suitable for a mortgage. If we were just…
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Natwest Timescale and Process
Just submitted a mortgage application through Natwest, 80% LTV. The valuation has been carried out and came back fine about a week ago. Can anyone share any advise on timescale and process through Natwest? Should I be encouraged the valuation has taken place or is that all very standard?
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Secured loan on Buy to Let (Bad Credit)
I was wondering if it was possible you could get a secured loan on a buy to let property if you have bad personal credit and affordability? Buy to let is in my name but I have a bad credit rating and affordability will be poor as bills in my name but my long term partner earns more and covers a large chunk of them. There…
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Mortgage early repayment charge
So I selected a new deal but not sure how I can find the £4 grand early repayment charge Can I add it to existing mortgage? Hope my house sells for more? What would options be?
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Reclaim mortgage broker fee
I am not really sure if this is possible... Effectively, we have had a broker for our mortgage. They managed to get us a mortgage for a property but we had to pull out because the property was not habitable. Allegedly the mortgage company would have still lent but it had severe structural issues and would have taken tens…
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Done mortgage application wrong
I am paying 25 thousand over home report how do I add this to figures online?
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Remortgage - boyfriend lives with me
I bought my flat five years ago and since then, my boyfriend's moved in. I've just completed a product transfer with my current lender (Natwest) via a broker and didn't have to disclose whether anyone else lived at the property, which I found surprising. When I applied for a remortgage with a different lender earlier this…
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Transfer of Equity - New mortgage with partner
My partner has recently sold her house and moved in with me. I am in the process of applying for a new mortgage and would like to add her to the mortgage. I started the application process with First Direct and was informed that I would need to add her to the deeds - which would mean i had to go through the 'transfer of…
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Nationwide mortgage timeline and questions
Hi all, Looking to get a potential timeline on Nationwide mortgage application. 10% deposit and FTB We’re using a broker 26/02 - AIP submitted 26/02 - Mortgage application submitted 26/02 - Email received confirming valuation booked for tomorrow (quicker than I thought - it’s not a new build) Has anyone got any recent…
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Buying my council home (occupier deed)
Buying My Council Home: Occupier Deed and Legal Advice for My Mum I am in the process of buying my council home. I am the sole tenant on the council tenancy, but I live with my mother. My mum has always understood that if I did not pay the rent, she could lose her home. Now that I am purchasing the property, I need to sign…
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Extending Mortgage Term Then Overpaying
Hi all, Possibly a very silly question. I signed for a 30 year mortgage 2 years ago and my fixed rate expires in July, I have overpaid 10% per year and my real term is now estimated to end in 16 years instead of what would be 28 years remaining. My question is: is it possible/worth asking my lender to extend my mortgage…
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HSBC Rate Switch & Additional Borrowing
Can I do both with different start dates? Rate Switch actioned 1st July and additional Borrowing Drawdown 1st August? Two separate applications Same product, one fee paid.
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Mortgage for self employed older person
As above, can anyone recommend a Mortgage Broker for the above?
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Will I ever get a mortgage ?
I’m feeling really depressed with my situation. We are both first time buyers. For years we didn’t have a deposit now we have more than enough, we have a combined yearly of £130k but have been turned down for two mortgages due to an unknown CCJ on my wife’s credit report for £269 for a parking fine that is almost six years…
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Mortgage Broker/ Mortgage Provider Negligence?
Hi Everyone. First time posting. I am furious about my situation. My wife and I, both first-time buyers, applied for a mortgage through our mortgage broker. We submitted all requested documents on February 5th, and on February 11th, we provided additional details as requested. After not hearing anything, we asked our…
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Advice Needed: Remortgaging in 2026, New Car & Kitchen Remodel – Best Financial Strategy?
Hi everyone, I’d love some advice on a financial situation I’m currently facing. My mortgage is due for renewal in August 2026, and I’m trying to make the best financial decisions between now and then. Recently, our family estate died unexpectedly and we need to replace it, and we’re also hoping to remodel our kitchen (we…
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Minimum Increased Disposable Income - 5 times salary multiples
I ws looking at the Coop mortgage lending criteria, and this point about "minimum increased disposable income" seemed to be very particular that I thought I would check to see what that means. We currently hold our mortgage with Coop and are looking to borrow further for an extension, so I thought I would check first to…
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First Time Buyer - Help Needed
Me and my wife (we make about 82k between us for information) are first time buyers and have reserved a new build plot (not the house just first refusal on the house when they start the building process). The house is due to be complete between September 2026 and December 2026. We have cleared the affordability checks with…
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Repossession
My daughters house was repossessed over six months ago and I paid off all her outstanding debts including gas and electricity and her account was closed. This week we got a letter from a debt collection agency demanding payment on behalf of Eo-n next for usage for the period between the repossession and the house being…
