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Nationwide DIP - Likely to change much when bills taken into account?
We are early stages and looking to sell our flat and move into a small house, we have a DIP in place, and entered all the usual questions they ask. They did not touch on the cost of council tax, electricity, food shopping ect. We cannot get a mortgage appointment online until we have a buyer and have found a new home -…
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Can I use my LISA to buy into my partners home?
Posting on here because I haven't been able to find an answer elsewhere. I started a LISA quite a few years ago now which is now a fairly sizeable amount of money. In the last few years, I have met my partner who already owns a home, I have moved in, and I'm no longer looking to buy my own place right now. When we do move,…
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Unregulated pre 2004 current mortgage
We currently have a mortgage taken out in March 2004. Recently we tried to go to the financial services compensation scheme about it being miss sold by the broker. They could not help us as the mortgage was pre regulation. We complained to the Financial Ombudsman and it is outside of their jurisdiction they cannot help.…
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Sprive App?
I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance!
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Am I expecting too much from broker? Mortgage application with Aldermore
Applied for a mortgage with Aldermore via a broker on 18th September. Documents submitted, valuation carried out, latest bank statements requested 3rd October. Was told we could expect and update or an offer on Monday 13th October but we didn't hear anything from the broker. I called yesterday to be told they don't have an…
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Self employed small income and mortgages.
I’m 33 and have been a self employed gardener for around seven years. I currently live at home still with my father after a number of personal problems in our family I stayed at the family home. I earn around on average 12k per year from my gardening business which has been fine for me up until now. I love my job and am…
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Adverse credit Mortgage application
I had previously posted this in a debt thread and was advised to post here also so apologies for the duplication. I entered a DMP in June 2020 with £25000 debt. Never missed a scheduled payment. Although it will fall off of my credit file next year, payments are predicted to last another 5 years. Between us, my partner (no…
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Prepping for mortgage application
Hey! We are applying for a mortgage hopefully in the next couple of months and I've been trying to get sorted best I can, pay things off etc. we have made a few mistakes in the past and so our credit is average and therefore our broker has said Kensington or Kent will be the best options for us. i really don't want it to…
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Non Standard Construction Remortgage
Hi all :) i'm a few months away from my first remortgage and wonder if non standard construction houses (ex-council concrete build) are acceptable to many high street lenders for remortgaging? Current mortgage is with Aldermore due to a CCJ on file at the time but that has since dropped off and my credit file is very good…
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The Mortgage Lender - TML Process
Hi Everyone newbie here. Im wondering if anyone has had any recent experiences with The Mortgage Lender. My MB done a dip which was approved then submitted full application straight away he advised this went straight to refer which I thought was strange. It came back yesterday with happy to proceed and I was told I will be…
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TML / The Mortgage Lender - Experiences, Timescales, General Help
Good evening all, I'm trying to find out some information on TML (The Mortgage Lender) as we have just submitted an application with them via our Broker. We have previously been declined by Aldermore for the same loan amount and broker's advised up to try TML. Can any of the MA's on here (or anyone with experience of using…
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stamp duty question regarding the £40k threshold
Stamp Duty in Scotland This site doesn't seem to take the £40k off the calculation. I put in a £140k house as a 2nd home, expecting it to calculate the 8% stamp duty off £100k therefore being £8k. but it comes back with £11,200. Why is this?
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The mortgage lender - TML
Hi wondering if anyone else has had a mortgage with the mortgage lender there seems to be very little threads about them Full application went in 9th December all fees paid etc since then apart from one question regarding a direct debit there has been nothing Just a bit anxious as when the application went in there site…
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Mortgage Choices - Remortgaging a Interest Only Part
So for the first time since taking out my mortgage, the product is coming up for renewal and the rate is going up. I’m currently on a 1.83% fixed deal which expires in about 50 days. I’ve never switched from my current building society, mainly because we have two mortgages with them – the second one is on a very low fixed…
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Can a Interest only Mortgage Balance increase?
I have a 25 year Barclays Buy-to-let Interest only Mortgage which started on 2013. I have never missed a payment. For 12 years the balance has remained the same. In February 2025 they have started using a new calculation which means my balance is slowly creeping upwards. Are they allowed to do this mid term? Its hard to…
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When does my mortage rate actually change...
I've got a Natwest Mortgage, and I cannot ask them as their web site makes communication with them impossible. I even clicked the complain button, and it wanted me to install an app. My question. We bought a house in September 2021, and were very lucky as we ended up with a 5 year fixed rate mortage at 1.04% (very very…
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Experiences of JBSP mortgage non-proprietor
Hello, Looking to get a JBSP mortgage and would be interested to hear if anyone has done this as the non-proprietor and had any difficulties in obtaining future credit, for example, a new car finance agreement? Appreciate that it will all be dependent on circumstances but just interested to hear others experiences. Many…
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Offset mortgages and London & Country
Apart from when I very first bought a house, I have always used London and Country to remortage and have been impressed with them. Recommending them where I can. We remortgaged at the end of last year with a 2 year fix that started in January of this year. When we remortgaged we spoke to L&C and they made us aware of…
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Nationwide mortgage redemption… then extra DD?
Hi all newbie here, just joined as I am kinda stuck with an issue with nationwide. on 21st of August I got a redemption figure for that day (from nationwide app) and paid off my mortgage a few hours later on that day. I actually went into my local nationwide branch as I was nervous about sending that amount of money, then…
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When to pay off existing loan before mortgage application?
Hi, My wife and I currently own our own home (with a mortgage) but we are hoping to upsize soon. We have a personal loan with 18 months left at £395pm, which we intend to pay off early before moving home. Based on homes we've looked at, our new home would have an LTV or around 88-90%. Not sure if that makes a difference.…
