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Can I Port Mortgage even if my offer says no?
Mortgage experts please help! I took out a 5-year fixed mortgage with The Mortgage Lender (TML) 18 months ago on a 5yr fixed. With a second child our house is now getting a bit small and we've seen a new build house that is pretty much the same price as our existing house that we love. Considering the prices are very…
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Leeds Building Society Mortgage Process
Hello! I have applied as a FTB for a mortgage with Leeds Building Society, on a house that were purchasing via a shared ownership scheme. I applied on Friday of last week (25/10/2024), today I’ve been told by my broker & estate agent that they’ve booked a valuation for 5/11/2024. Does this indicate in anyway the early…
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Multi generational mortgage
Has anyone had any experience with this? Can anyone recommend any broker?
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Nationwide ERC
We currently have a nationwide mortgage which was taken out on a 5year fixed starting February 2023. Interest rate is 3.54 and we currently owe £94k. My husband is applying to take a lump sum from his pension which would pay the mortgage off. This will be April 2025 when the balance will be £74k due to overpayments. I am…
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Mortgage help
I guess I just want some reassurance! I passed the AIP with skipton 15th October, with a 5% deposit, £190k mortgage. FTB, sole applicant. I have been self employed for 14 years. Year on year profit. I’m a childcare provider. Last tax return profit was £71K. I have a good credit rating, and the only debt is a credit card…
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Haysto
Has anyone used Haysto Mortgage brokers? They specialise in bad credit mortgages... Looking for success stories as I'm about to submit an application today. I have 8 defaults on my credit file but they think they can help... I will be charged 6.14% OR £854 a month Fingers crossed for me Has anyone got a bad credit mortgage…
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Barclays ILA (Independent Legal Advice)
Has anyone managed to get an ILA through Barclays recently? I needed one for a Sole Proprietor mortgage but they messed it up (twice). Long story short the ILA I did wasn't with their panel solicitor. After 4 yrs I finally obtained a list of their panel solicitors but they nearly all refuse to do an ILA (still working my…
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Mortgage Application Timescale Question
Hello, I am in Scotland for reference regarding my question below. Does anyone know how long it roughly takes after the home report transcript has been requested for a mortgage offer to be given? Thanks in advance!
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Prudential Endowment Plan Mature Payment Issue
Is anyone else having issues with Prudential, i have a Endowment that matured 11th of June and have still not received payment. When i contact them they say there is a system issue and cant tell me when i will receive the payment. This system issue has been going on for 2 weeks. Just unbelievable situation.
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Help splitting house equity.
Hi, I was hoping someone could give me some help in creating a calculation. Me and husband bought house in 2007 for 117500 deposit was put down 22500 (paid for by me) he put nowt down. Leaving us with 95k over 25 years. I’ve overpaid over the years and managed to get it down to 31k we have been in the house 18 years. Well…
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Standard practice for buying new house
Hope somebody can help please. My son is buying a new house from one of the large builders. He's paid a £500 deposit and got mortgage AIP through their recommended broker. The house is scheduled for completion April. He was told today that they want the full deposit. He has negotiated end Jan. Is this correct? and if so…
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Santander Mortgage
Hey guys & gals! My 5 year fixed term mortgage with Santander is due up in Jan 2026 yet i am already starting to get anxious about it. My credit hasn't been great since i got the mortgage due to various reasons such as credit card silliness & loans etc. That said, i have never missed a mortgage payment. Am i right in…
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What is the correct way/order to apply for HSBC remortgage existing customer
Existing Customer. Want to borrow 10k, along with rate switch on existing account, along with change term to then get balance all into one account and pay one fee of £999 for a 5 year fix..,...
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Mortgage/pension
Just looking for advice on whether my thoughts are firstly possible and then a good move. So my partner and i have preserved RTB on a property. Value is estimated around 280k. Discount is 102k so we would be looking around 178 to buy. I have around 120k from a previous property sale and would use around 100k and then…
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Kent reliance mortgages
Just submitted our application to Kent reliance, but so worried, the bank had reported incorrect information to my credit file which showed 6 months areas, this isn’t the case and I have had a written letter from the bank stating it was their error and my account is up to date with no missed payments, because of this, when…
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Metrobank mortgage - buyers slow progress
If anyone familiar with applying for mortgage with Metrobank? Since last 2 weeks our buyers have had no update of valuation date since they informed they paid the valuation fee. We are starting to grow frustrated that valuation date has not been booked.. We have tried asking if there is anyone they can escalate with at…
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Mortgage lenders for cabin crew salaries
Hi Are there any recommendations for mortgage lenders for cabin crew. That take into account sector pay and commission? Any help greatly appreciated
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Husband can’t get mortgage in principle
Hi we put our house on the market over 2 years ago. At the time my husband was accepted for a mortgage in principle (mip) that ran out as our house hadn’t sold. we haved now had an offer on our house. My husband applied for a mortgage in principle, with current lender and he wanted to borrow 150000, that would mean that…
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Friend wants to invest in my BTL, we can't work out how...
My BTL is an HMO, house value £600,000, my outstanding mortgage is £350,000. Friend has £300,000 cash to invest, ie, buy half the house (and cover half the outgoings, and receive half the rent and half of the future equity). I would love this, but my mortgage company says no to a declaration of trust, the restriction on…
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Mortgage for Older Person
We are a couple 56 and 54, can we still get a 25 year mortgage? If so does anyone know which lenders will still lend to us over this time period? PF
