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Mortgage help for financial fool
Hope someone can give a fool like me some help on the best options regarding a mortgage and an ISA. We have been very, very cash strapped for a number of years. We both work 40 hour weeks but we only just keep our heads above water. We are not very clever with personal finances so any help would be great. We have only been…
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Need mortgage help!!!
So...a small bit of background, living in northern ireland but my income comes from ROI and I'm paid in euros. I have some adverse dating back to 4 years and 3 months ago (most recent), and almost 5 years (oldest). Adverse is 4 defaults (all satisfied). Other than this I have never never missed a payment etc, and my credit…
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Tracker mortgage when Bank of England rate changes
Hi, I have a YBS 2 year tracker mortgage. After the bank of england rate reduced in august i had a letter from them (haven’t kept this unfortunately), but what i wasn’t clear was that I had to phone them up to get my payment recalculated, and because i didn’t do this until 3 months later, i have lost he amount that i would…
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Incorrect advice from Mortgage advisor - where do I stand?
Recently moved house and stayed with Santander. Mortgage advisor stated that we would get ERC refunded after completion. I have that in writing. Santander have now said I won’t get it back as I ported to a different product. I do not fit into the criteria of getting it back as still had 13 months on mortgage left. just…
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Applying for a Credit Card before Remortgage
I am looking to Remortgage shortly as my current 5 year deal ends in April. I can see that my credit score has lowered a lot due to my debt to credit card ratio utilisation being more than 50% of my limit (due to me closing another credit card a few months ago). I wanted to ask if I should apply for a new credit card so…
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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…
