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Accord mortgage timeline
Has anyone applied with Accord recently? I’m hearing good things about their timeline. I applied today following a failed application with Santander as they were unwilling to lend the full amount that we needed. Anyone else going through their mortgage journey with Accord?
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Land registry documents - are they worth the fee?
We are currently arranging our remortgage, and one of the questions one the conveyancing questionnaire is: Following completion of your remortgage the law firm will send you a copy of the title to your property as registered with the Land Registry. It is considered good practice that the law firm let you have a copy of…
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Financial Ombudsmen Service... how long?
I hope this is the right place to post this. I want to get a mortgage but have a late payment showing on my credit file. This account was with Argos Card Services and should have had a default put on back in 2018 when I entered a DMP, which would mean it wouldn't be on my credit file now. However, the account was settled…
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What do you think is best to do?
Our fixed rate with nationwide is coming to an end and we have 58k remaining on mortage with of 48 percent due to house valuation going up. We are not looking to move at all but want the best for us. I have locked in a 5 year fixed rate deal for £448 a month which will be only £50 extra to whay we are paying now. I am able…
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Poor credit score
I am thinking to buy a house , my situation is that in 2021 I went bankrupt because my business failed through Covid I was discharged a year later . My credit score has improved , but I noticed 5 errors on Trans union , so I reported them and in a week 2 of them are settled , so I’m waiting for the other 3. To help my…
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Unilateral Notice from old lender, can’t remortgage!
Hi all, Was due to remortgage on the 1st Feb 2025 with Barclays, they've advised they can't proceed until a unilateral notice in favour on Santander UK plc (dated November 2021) is removed from Land Registry. They were our mortgage provided back in 2020 when we moved in and have since remortgaged with Natwest in 2023 (who…
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Use tax savings cash for overpayments fund on mortgage?
Hi, I'm self employed and put away some of my earnings into a Cash ISA/ savings account ready to hand over to HMRC every July and January, then another chunk goes into a SIPP to minimize my 40% tax. I wondered if its possible to put this money into the overpayments fund on my mortgage and then withdraw it again when I need…
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NatWest fixed rate mortgage approved - can I change the rate?
We’ve been approved for a new mortgage by NatWest and hope to complete on our new house next month. We paid a £1495 (!!) fee to fix for 5 years. If Natwest reduce their fixed rates before we complete, are we allowed to move to the cheaper rate? Thanks for any help. I did ring them but I’m not sure if the lady understood…
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Managing Mortgage Renewal While Selling My Home – Advice Needed
Hi everyone, I'm in the process of selling my home, but I’m not planning to repurchase. My mortgage rate is set for renewal in March, and I’m concerned that the sale might not be finalised by then. I’m unsure how to navigate both situations at the same time. Would my bank be able to extend my current rate for a couple of…
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adding service charge debt to a mortage
Hi, I own a leasehold flat with a small mortgage Basically i owe service charge payments and the property management solicitors have asked me to sign a letter of admission from them to go to the mortgage lender to apply the debt to my mortgage which wont exceed the original amount borrowed but will avoid the solicitors…
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NatWest ERC
Hi, hopefully this is the right forum for this question/issue. I have just moved house, completing on Friday 31st Jan. I was on a 2 year fixed rate with NatWest, which was due to end on 31st Jan. I did not port the mortgage, but took out a new product, still with NatWest My mortgage broker advised me to complete on or…
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Stamp duty refund
Son & his gf are breaking up. They bought a flat (in England) a year ago and paid £25k stamp duty. The gf has been speaking to an independent mortgage adviser (presumably with the view of getting a new mortgage in her name only after Transfer of Title) and he mentioned that they should be able to get half of the Stamp duty…
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HSBC Declined Mortgage
Hello We have sold and had an offer accepted, we had a decision in principle and have just submitted our full application with HSBC (porting a good fixed rate so don't want to move lender). HSBC have straight declined the application and will not even put it in front of an underwriter. The reason they have stated is…
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Santander 'Flexible/offset' mortgage - removed key 'show me' feature that made it useful !!
Hi folks, wondering if anyone else affected by this, or just me. Its infuriating. I have a flexible, offset mortgage with Santander , have held on to it through 2 houses, and its been a great, flexible product... i love (d) it !! Until today.. For those not familiar - these products allow you to treat your mortgage…
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FEE FREE MORTGAGE BROKERS?
I am looking for recommendations for a Fee FREE Mortgage Broker who can provide advise for me with a default. I had 2 (1 disputed). Thank You
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Interest only overpayment advice
Have an interest only sub account of £100 000 which I would like to overpay. However I'm under the impression that no matter what I overpay, I'll always have that balance. Can someone advise in layman's terms? Any help will be appreciated thanks.
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Money set aside for Stamp Duty - Should I pay down debt instead?
Hi All, Expecting to submit our application for a mortgage this week, but wanted to get some opinion on what to do with some 'spare' cash. Bit of background. We're buying a new-build that is just about ready to move in and the house-builder is our cash buyer as part of a part-ex scheme. So, we expect things will move…
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Shared Appreciation Mortgage Any Contacts for Fighting One
Hi there Does anyone know of any solicitors who will take a Royal Bank of Scotland SAMs on? Or any other advise? Got a huge paper trail with all details from last 28 years. Anyone had success or know if they open to offers? Thanks in advance
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Any experience with SAM (Shared Appreciation Mortgages)?
I appreciate this is a very niche question. I'd never heard of a Shared Appreciation Mortgage (SAM) until about 4pm today when we discovered my In-Laws have one on their property. Very simply, in the very late 90's Barclays and Bank of Scotland produced this product. It predated Equity Release and appears to have been…
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A buy to let being repossessed with a negative equity
So long of it is I have my own house which I am selling to buy into my partners home it would be a 60/40 split to my partner and we wouldn’t have a mortgage. I currently have a buy to let that hasn’t had a mortgage payment for over two years. Mortgage company not helpful so I’ve handed the keys back. This mortgage was an I…
