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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…
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Overpayments - do they reduce mortgage term?
Hi all, I recently opened a mortgage with Halifax to buy my first house, and I am planning to contribute with overpayments. My understanding of overpayments is that they will lower the borrowed amount of money, hence lowering interests when calculated each month. All the overpayment calculators, therefore, show that by…
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Help deciphering underlease
Hi, Can anyone help decipher this underlease? The building in question is made up of 5 flats, but one of the flats solely owns the garden and I am trying to figure out if the garden stone brick wall, falls under the responsibility of the "Reserved Property" (i.e the entire property) or "The Premises" (i.e the flat). I am…
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Can I have a mortgage product with more than one provider?
I have a mortgage that is split into 3 sub accounts as a result of moving house and porting my previous mortgage. That part of my mortgage is soon up for renewal and I’m wondering whether I can move that part of the mortgage to another provider as I’ve seen better rates elsewhere or if I’m locked into my current provider…
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Uswitch issue
I signed up to uswitch but it’s started a mojo application. I have wanted to compare other lenders does this mean I started a new mortgage application? This is what the dash board says can’t seem to remove my details?
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Likelihood of mortgage - adverse
Hi there, Hoping some of the more knowledgeable folks here may be able to help. I’m asking on behalf of my son, yes he’s an adult and perfectly capable of joining and asking himself, but I know he’ll keep putting it off as he’s worried it won’t be great news. He’s late 30s, has had a tough time financially and as a result…
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Mortgage Product Transfer query
Good afternoon all My ex-wife has applied for a Mortgage Product Transfer with Santander and when I spoke to them, as I do not want this, they said as it is financially beneficial and as long as it does not cause any financial harm or detriment to me they can authorise the change with only her signature after 21 days – I…
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Mortgage application
So we failed a montage application as one of my wife’s pay slips was less due to a bereavement and a holiday. They said £5 grand deposit more would not be enough but they reckon £10 wouldn’t fail but can’t be sure. We managed to find 15 thousand more but having doubts will it even pass? Will we need another bank? If we…
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HSBC Rate Switch and Addttional Borrowing
Hi, HSBC Rate Switch and FA Application - Both done separately on same day by myself. Rate Switch Done and Fee added to balance. Further Advance was awaiting valuation, which is now complete, no issues. Same product for both. 4.74% Tracker. £999 Fee. Rate Switch to complete 1st July 2025. Further Advance offer letter is…
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Offset mortgage and the Ombudsman
I've had an interest only offset mortgage with Intelligent Finance for 20 years and it's been nothing but problems. Incorrect charges and charges that IF can't explain. For the past two years I've left the mortgage (£450,000) fully offset by the savings account (£451,000) to prove the point but IF is still charging…
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Fix mortgage for 5 years or shorter?
Hi I have a mortgage with Barclays. My fixed-rate rate is coming to an end, and I wish to stay with Barclays. I'm wondering whether to fix again, this time for for 5 years, but I'm not sure if this is the right thing to do. Initially I thought so - due to all the uncertainty in the world right now, I assumed the base rate…
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Picture home loans
Hi all i I am trying to remortgage my home due to being unable to afford current payments but cannot proceed due to picture home loans not send discharge paperwork to land registry on completion of loan - this was paid off in 2007 and picture home loans no longer exist as far as I know so any help in getting this removed…
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Closed accounts in my credit reports have old address - should I update these?
Hello, I'll be applying for a mortgage in a few months. I am going through my credit reports and I noticed that I have a few closed accounts (old credit cards, closed current accounts etc) which have my old addresses on, where I lived at the time of having those accounts. Do I need to update these closed accounts to my…
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Cohabitation Agreement
Hi everyone, My partner and myself are buying a home together. My partner is porting his mortgage and bringing with. We have been advised that if both our names go on the title deeds then I will have to be added by name to his mortgage as well although I won't be paying anything towards it. I'm obviously not too happy…
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Moved: parents are mortgage free, married 61 years, dad died last week, house is in his name
This discussion has been moved.
