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Mortgage Time
Trying to piece together solicitors,brokers, lenders and want to find some comparison sites and calculators for my situtation. I've inherited equally between two of us house and want to buy the other person out with a mortage. So to look at deals and weight up what repayments would be needed, I need calculators/comparison…
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Renew with HSBC & Additional Borrowing, How to do?
What is the most cost effective way to do this? Mortgage 156k Value 275k Renew rate at 5 years, but top it up to 160k. Can I take out small additional borrowing, overpay back to 160k across two accounts, then request change term, to effectively get it all within one account pot again?
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Remortgage Offer - Question
Hi, My 2yr fixed term deal ends at the end of the year and my existing lender has sent an offer of renewal (for want of a better phrase). Compared to my exiting rate, the new rate isn’t eye watering but I know that there is, potentially, better out there. I’m wondering if it is the done thing in the mortgage world to call…
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Mortgage application - credit records
Can anyone please tell me whether my credit history will be revealed to my spouse as part of the application? There are things on there I would like to keep private if possible (no lectures pls). We are applying through a broker. TIA.
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Mortgage removal
I have a natwest mortgage registered on a sipp property.It was repaid in 2015 but never removed.I have proof that it is paid.Have tried the e mail sent to me by natwest to remove the entry at hmlr.They said would be done in 9 working days.It hasn't been.I am tearing my hair out trying to work out what to do.Please help.
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Mortgage appliation and credit cards
Hi All, I'm planning to move house early next year, so i'll be looking for a new mortgage. My finances/credit score are in good order and i'll have a ~50+% deposit. I have the following 2 credit cards: Card A: 3 years old, £7300 limit, £0 balance.Card B: 1 year old, £5750 limit, £1550 balance that i will be paying down to…
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Best way to borrow - residential vs. landlord
As of early next year I will have two unmortgaged properties (solely owned by myself), one residential and one let out. I am an additional rate taxpayer. I may, later in the year, have a need to borrow a modest amount (maybe £30-70k on a max 15-20 year term) The most cost effective way to do so seems likely to be a…
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Property transfer Witness signature
Hi there, We are currently abraod and sellign our house in the UK. Does a witness needs to be based in the UK or is an overseas witness address acceptable?
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Self Employed Application with Underwriters
Am I missing something? My broker applied for a mortgage on my behalf, with Barclays on 22 July. As expected it went to the underwriters a couple days later and it has been stuck there ever since, with delays, requests for further info... today my broker decided - enough! And proposed that I apply to Halifax as she has…
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Mortgage & adding someone on
Morning My fixed rate mortgage is coming to an end in feb25, in that time i became a single parent and have been paying the mortgage alone ever since. I work part time with three young children and I am now going to be remortgaging which I no means my payments will more than likely go up and I don’t no if they will give me…
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Mortgage renewal - options?
Our mortgage deal ends at end of October. We're both self employed and getting a mortgage in the first place was :# It took some nifty accounting, which itself was costly, took ages and was a real stress. We're with Natwest and tempted to stay with them, unless someone else has a much better deal. We are obviously awaiting…
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20% LTV mortgage deals
I've got a low LTV % around 20% 14 years left on mortgage, Not sure I'm being given the best deals seeing I have 80% equity. Any links you can pass my way would be helpful as I've internet search the answers and not getting any real answers.
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End of Natwest fixed term.
Hi. When my Natwest 2 year fixed term ends in a few months I wish to move to the standard mortgage so I can overpay without restrictions. After I'd like to return to another fixed term. My question is . Will the new fixed term offer be the same , as the one offered before I temporarily move to the standard ? House is…
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Nationwide mortgage overpayments
Hello, If I overpay on my mortgage with nationwide, the limit before any charges is just under £11k per year. Do I have to provide source of funds for the over payments eg bank statements, ISA statements? Is it something I need to get a solicitor involved in to make the payment? Thanks,
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Using Pension Pot to secure a mortgage
My situation is that I am recently divorced and I need to purchase a house for myself to live in. I am 60 years old with no earned income. My day to day spending needs are taken care of by an income stream that includes spousal maintenance for a few years followed by a defined benefit pension which will then be augmented…
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Mortgage declined travel
Hello I have been declined for my full mortgage offer due to “travel expenses” the past 3 months. This was with hsbc. I have been on holiday 3x so can only think maybe it was taxis to the airport? I am definitely not over the average of spending on travel. I also don’t know exactly what they mean such as petrol/insurance…
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Mortgage declined by Barclays for a vague reason
Hi, We got a letter from barclays saying that our mortgage offer is declined by audit/risk team due to 'commercial risk'. They have done a physical valuation survey and approved the valuation. Credit score is excellent/good on all credit agency platforms (experian, equifax, transunion). Both applicants' affordability is…
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going on mortgage with gf need advise
Type your messageHello there me and my partner are looking to go in on a mortgage together on a house she already has a mortgage on and need advise of how we can do things fairly , I met my partner 2 years ago and a few months later after the sale of her old house with her ex ,she purchased a property and asked me to move…
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First time mortgage - 'adverse credit', advice needed!
Hi, I am looking to buy a place in January, I'll have around a 10% deposit. However, I have two defaults - 1 expiring in March 2025, and the other end of June. Stupidly, they were payday loans - and I haven't cleared them as I have been in the process of unfair lending claims etc, and they contain obscene interest amounts…
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Bank Statement Requirements for Mortgage Application
Hello, I am in the middle of the process of a house purchase and I am providing proof of source of funds to my broker. My parents contribute to part of the deposit and one of the accounts involved in the trail of funds is a passbook saving account (I know it's not common in the UK but it's still used in where I come from).…
