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Verifying identity to receive Payment, being unsecure
Has anybody else experienced this as i don't know what to do. I had an endowment policy mature which was with Reassure part of The Phoenix Group. I filled out the paperwork but they now want proof of who i am, asking me to send a copy of my drivers license and a copy of a bank statement. They have no digital verification…
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Vida homeloans
Hi has anyone had recent experiences with vida homeloans? We are first time buyers and the only reason we have to go with them is that i have 2 defaults from over 3 years ago (paid off 6 months ago) apart from that my partners credit is really good. Ive seen threads on here from 4 years ago but times have now changed so…
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Buy to let v interest only
Hi all, I have a buy to let mortgage on a property ATM value of the property is about 300,000 outstanding mortgage 139,000the tenant is leaving and I'm moving into the property, can I leave the buy to let mortgage in place? If not I would prefer an interest only mortgage is this possible on a house in living in? Appreciate…
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Mortgage - Business Mileage
Hi, I was wondering if anyone is able to help with the below / had a similar experience when seeking a mortgage. I am currently looking to secure a mortgage. I have a basic salary but I also receive business mileage which is paid monthly at £0.45 per mile. As part of my role requires daily travel, I regularly receive…
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Credit Reference Agency First Direct bank
Hello, can anyone confirm which Credit Reference Agency (or agencies) First Direct report to? Thanks in advance.
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Metro Bank - Mortgage Application - Beware Excessive Processing Times/Poor Service
Having been faced with a section 21 in September we made a mortgage
application to Metro Bank through an advisor (I’m 61). It took over four weeks for Metro to decide
they didn’t like one of the applicants zero-hour contract even though over a two-year
period 2023 and 2024 the P60s show consistent earnings for a zero-hour.…
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House repossession
Hello, my husband and I are split up but not divorced, I have marriage rights/home rights on the home which the mortgage is in his name only, to gets home rights taken off we agreed I get £60k when the house sells, but he is no longer paying mortgage and it looks like it will get repossessed, house value is £550k and…
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Birmingham Midshires Contact Number?
Does anyone have any contact info for Birmingham Midshires please? I have a joint mortgage with an ex partner who hasn't provided me with any details for the last 13 years and I'm trying to get in contact with them to see how how much is owed on the mortgage prior to seeing a solicitor this week. The previous numbers and…
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Old buy-to-let Shortfall
At the time of the Financial Crisis of 2008, I had a number of buy-to-lets which for various personal reasons, including the death of my wife in an accident, I could not keep up repayments on and these were repossessed. The mortgages were with Mortgage Express (Part of Bradford and Bingley). Subsequent to this, I had the…
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Need to find £70k for house purchase - money locked up
Thanks for listening... in summary and context: I'm buying a second property, deposits and all necessaries proceeding with mortgage offer in place, with purchase due for completion by end of November. But, just discovered that some of my funds are locked away in a fixed rate savings account with no early withdrawal until…
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Product switching hack/fee
I have until March 2026 on my current mortgage rate of 1.85%. We've paid about half of it off since taking out the product, no overpayments. I see that our monthly payments would be a lot less now if we were on a new product at 4.16%. Couldn't believe it at first, then realised this is because it's calculated on the…
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Unarranged overdraft / missed payment on credit report
Hi, if you’ve ever had an unarranged overdraft or missed payment / account in minus and it’s on your credit report once, will you struggle to ever get a mortgage? Will this mean lenders won’t ever give you one?
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Halifax - drawing down deposit, timescale
Hello My buyers' mortgage is with Halifax. I am racing to get to exchange by 30 October (at the latest) but last-minute problems mean we may not get the price and completion date agreed between us until 23 or 24 October. I'm worried that the buyers' deposit may not be available in time for us to exchange by 30 October as…
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Remortgage/Additional borrowing advice poor credit
I am looking for some advice and help and my question probably crosses a couple of forum topics. My wife and I bought a house together 3 years ago with a fixed rate joint mortgage and have 2 years left. The money for the property came from selling my house and rental property with a good deposit (35%) and i left funds for…
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Coventry Building
We have received a DIP with Coventry Building Society via a Broker, I can see Coventry Building Society have conducted a soft credit search and ID check from my Equifax credit report. We have now submitted a full application, we only needed to supply our p60s and 1 months wage slips. Do Coventry Building Society manually…
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How best to pay off my share of tennants in common mortgage
Morning. I am about to receive some money which I always had earmarked for becoming mortgage-free. I have a 50:50 tennants in common mortgage with my partner. We have so far paid equally both for deposit and payments. Is there any way to pay off half the remaining mortgage and have proof that I own outright 50% of the…
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5% Mortgage ending 2025 / Labour Freedom to Buy Scheme
Hello There! My name is Abbie (28) me and my husband are looking at buying our first home in October 2025. I am aware that the 5% mortgage scheme ends in June 2025. I know that Labour is introducing a new scheme called 'Freedom to Buy'. Could anyone tell me if this is a similar scheme/ Would we still be able to buy a house…
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Mortgage rate switch complicated
I recently switched my mortgage rate. They have come down again and I would save £35 a month by switching again. I still have time before the current rate runs out. They said just cancel the switch and reapply. However I lost my job after switching the first time. Money is not an issue atm as I received a settlement. But I…
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Mortgage query
Hello Hoping someone can answer a question I have. A few months ago I renewed my mortgage deal which is due to start from the first of November. However, since then I have put my house up for sale, sold it and had an offer accepted on a new home. The move in date is the 29th of November. Usually, the equity would be used…
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Mortgage v Pension
I am coming off a fixed mortgage deal in December and the options I have are around the 4.2% level. I am also old enough (57) to withdraw some of my pension. The question is, should I draw some pension and pay off some of the mortgage, or carry on as I am, paying into a pension and also a mortgage?
