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Old Charging Orders
Hello We are in the process of trying to sell our house. When I say trying, we actually had an offer that we accepted back in November 2024. The issue now is that our solicitor doing the conveyencing says the only thing holding everything up is 3 charging orders that I had back in 2009. They have managed to connect with…
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Getting a mortgage in principle
Hi everyone don't judge. So me and my partner are wanting to move to a bigger property due to our expanding family. Our mortgage is up in September. We currently have 225k equity if the house sells for the valuation price if not let's say 200k. Me and my partner have built up debts of around 70k from the covid era of lost…
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Mortgage help
so just received the following email from my building society…… I write to advise you that I have now signed off your mortgage application and hopefully you should get your Mortgage Offer in the next couple of days.Please note a copy of this email has been forwarded to your Mortgage Advisor. now they sent this at 4.40pm…
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SDLT on transfer of Title
Anyone help with this. Our accountant and solicitor are at odds as to whether SDLT is payable due to a change of title. In a civil partnership for 45 years kept a previous home as buy to let with joint mortgage which can’t be renewed as one partner is 77. Younger partner can continue with new mortgage if having sole title.…
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Proof of funds/money laundering rules when purchasing property.
If someone were to inherit money and then gift to adult children with a view to them using it within the next 10 years for a house deposit then will they need to prove where that money came from at some point? Obviously there is nothing untoward but someone mentioned to me that money laundering rules will mean that the…
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Advice on mortgage for right to buy council tenant
Good morning, Please could you advise me on the following: 1. My council right-to-buy flat is valued at £187,600. 2. My discount is £104,000. 3. I am severely disabled so I receive the highest rate of PIPs and income-based ESA. 4. I have a live-in carer. 5. I will be 52 soon. 6. Can I get a mortgage where I repay the…
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Stamp Duty and Remortgage
Myself and my husband have a joint mortgage of £280k on a property worth £750k and we need to remortgage but because I am older than him it makes sense for me to come off the mortgage deeds when we remortgage and just use her wages and age. I've had a look at the Gov website and it states that if I'm transfering half if we…
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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.
