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Thinking of getting a house with the gf but....
Hi all; I currently own my own mortgaged house. My GF and I are thinking about moving in together and wondering if its possible to get a house together. The trouble is the GF is a student but works part-time casual, she has 10k savings but if i was to try and get a mortgage together would it go against us as she was not a…
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Advice Needed
Ok guys just looking for some general advice here. Basically Im trying to save a bit of money as the person I was living with has moved out and I am no longer getting their rent money. I am the home owner and have owned the home for almost 3 years now. For the first 2 years I had a fixed rate mortgage at a horrible rate.…
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chance of a mortgate
Evening all Come February I will at last be debt free - hurray :jand will be throwing every single penny into saving for a deposit with my OH. We should, fingers crossed have enough by Jan 2012, but my question is although I'll have been completely debt free for 12 months, and never made late payments or had CCJs, I did…
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Help! Just about to loose 26k on deposit on new flat - advise please
Hi there, I'm up a big creek without a paddle! And I'm about to sink. I've worked very hard to raise 26K for a deposit on a brand new flat in Edgware london. The original purchase price was 260k but due to negotiation, managed to get 20k off so I need a mortgage for 212k. The new purchase price is 238k. Its just been…
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Credit score was 884 2 months ago but is now 494 - can't get a mortgage due to this
Hi all, I have a mortgage agreed in principle with Woolwich accepted around one month ago for a property worth £430,000. However since house hunting I have realized the large difference in standards between a property priced £430,000 and a property priced around £500,000. Since Woolwich were not prepared to lend me…
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Mortgage Trouble
Hi Everyone, Sorry if this is abit long but any advice would be much appreciated! Basically me and my boyfriend bought a flat just over 3 years ago for £82000 with a 100% mortgage, a year later we split up. He moved back to his parents and i stayed in the flat alone. We were in a fixed rate for 3 years costing £490 a…
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Conveyancing: Contract and Land Registry plan
Hey guys I have a question on conveyancing, sorry to be posting in Mortgages, but didnt know where else to post, hopefully i will be ok :) I have received a contract from the solicitor (house purchase) with the attached Lan Registry plan. I am happy with the contract but as I was just about to sign it, I noticed that LR…
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Further Advances
Hi all, I'm thinking of purchasing a house which needs work doing to it, the purchase price is £100k and I'm depositing 25%. When the work is completed it will be worth £130k. My questions are has anyone done a further advance recently and how easy is it to further advance for the £130k amount and is there a minimum time…
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prospect of redundancy - change mortgage now?
I work in local government and it's looking increasingly likely that I will be made redundant. We have a fixed rate mortgage of 5.4% (!!!!) ending in 8 months time and the early redemption fee will be £2200. Should I go for something like HSBC's tracker at 1.8% above base rate, £99 fee and no redemption fee now before I…
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Do we need a 10% deposit to move to house?
Hiya. I'm after some advice please. I have a new better paid job in Manchester so we need to move house (from Shrewsbury). Our oustanding mortage is £81k. The Estate Agent has told us to put on for £89995 (we're currently on for £95k). If we sell for (eg) £87k can we buy for £87k and keep our mortgage at £81k or would we…
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Mortgage works
Does anyone know anything about them, have their mortgage with them, am looking at a deal with them but have never heard of them, all i know is they are a part of Nationwide. Anybody, good, bad or indifferent...
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Pregnant with mortgage - what did you say to the mortgage company?
Hi, I'm 20 weeks pregnant, going to lose my job in 3 weeks (I'm a contractor) and on a joint repayment mortgage with my husband. We chose our house based on the fact that we knew we'd be having a family and I'd be giving up work, so we know we can afford everything on one wage, although there's a chance it might be a bit…
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reposession advice - please help
Hi, has anyone got any advice or experience of the situation below, if so please let me have your thoughts. House has a mortgage of 423K and arrears of 30K. Reposession order was granted however judge made them wait 56 days as house is cuurently on the market. House is valued at approx. 375k but has been for sale at 410K.…
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Switch Mortgage
Is it possible to switch your mortgage if your out of work? Im not in arrears & I am in a position to add a small amount of capital if needed. Just wanted to check here first before I contact a broker in case somebody can recommend the best way forward. I have already tried everything with my current lender to get a better…
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Will i get a mortgage with a default
I have one settled default, dated May 08. Barclays have only just updated my credit report i paid it off November 08. Otherwise my credit report is good. Same address more than 3yrs, electro roll, credit card which i always pay on time. But i always get turned down for credit because of the default. I work for the NHS…
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Mortgage for a second home Q's
Thought i would get a quick heads up first before i seriously start looking into thinks. I own a property outright (fully paid off mortgage) and me and my g/f are thinking about buying a second property for :- 1:- Somwhere nice for her to live (She has to live away 4-5 days a week due to work commitments, currently renting…
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Lost Will
My aunt has passed away following a house fire and we are now struggling to come to terms with dealing with the estate. So far we have not been able to locate a will within the property or any details as to a solicitor/bank who might retain a copy. Is there any central registry for wills in the UK and does anyone have any…
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Advice on Halifax mortgage and defaults
I hope the knowledgeable people on here have some advice on my query. I am currently looking to buy a house and am hoping that I will have an offer accepted any day now. I have an AiP with Halifax, but Looking at my credit file I’m not sure how successful my full application will be My figures: I want to buy a house at…
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Santander Mortgage???
I am about to apply for a mortgage with santander and i was wondering if anybody else has used them or had any dealings with them? What are they like? The mortgage is a tracker at 4.99% at ltv 90% and £495 fee Any help would be great Thanks
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Can't get mortgage if I'm going to renovate house? (First Direct)
Hi Maybe this is normal, but I've been told by First Direct that they won't give you a mortgage if you are going to renovate the house. Apparently they need to know what they are mortgaging and if you are going to 'change' the property they won't give you a mortgage? Has anyone else had this problem? Is this normal? What…