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Good signs of a mortgage possibly being approved?
Hi everyone, so currently in the middle of a mortgage process. DIP received on: 26th NovemberSo to date: Mortgage application submitted on November 27th via my broker. Then Valuation took place 12th December. It is with a lender called “the mortgage lender”. Can someone give me some sort of idea as it is my first purchase,…
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Natwest switch deal rates
Hi, I have a Mortgage with Natwest. I switched to 2 years fixed at 4.76% in March. At that time existing customer switch rates were available on Natwest Intermediary site. However, since it has been removed. I have searched around and it looks Natwest do offer 3 diffirent type of rates at 60% Ltv but best rate is not…
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Remortgaging on a shared ownership property Dec 2024
Any tips on "shared ownership friendly lenders" that will allow further borrowing against a shared ownership property with equity for debt consolidation / home improvements? Just after the names of the lenders I can then follow up myself, many thanks
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Disadvantages to having multiple mortgages?
The fixed rate on my mortgage (~40k) ends in a couple of months. In the next year or two I'm hoping to do some extensive renovations which will require me borrowing more money. I could just go onto the SVR in the interim, but that works out quite pricey if I stay on it for any length of time. The cheapest option is to jump…
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Self Build home with no NHBC
Hi all, I have recently completed an individual self build home. As I had all intention to live here forever I didn't feel an NHBC was worthwhile. I am now looking to sell and move in the next couple of years but am aware I may have an issue with buyers securing a mortgage. I have seen conflicting information and even some…
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Selling a house
We sadly had someone pass away in family how long would it take to sell house and money to go into bank. I believe it’s longer than a normal sale. Anybody had any experience as I had people say as quick as 3 months to aslong as one year.
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Lower capital reduction
Sanity check needed from mortgage pros please As interest rates were increased in the last few years obviously monthly payments increased. My question is should the amount of capital reduction each month decrease surely this should remain constant as a minimum Many thanks
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New mortgage
I currently live in a mortgaged house and I'm thinking about selling and moving. Can I borrow more than I need to buy the new house and access the additional money as cash for home improvements or is it more sensible to get a bank loan?
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Mortgages and open banking
I am a few years off remortgaging and I have been reading about open banking instead of submitting bank statements. Is this becoming the norm? Do you have to use this or can yoi still submit physical evidence How far back can they searxh Appreciate any information
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Stoozing Remortgage
Hi Everyone I am looking for peoples thoughts and experience on Stoozing and its impact on remortgaging. I have a mortgage renewal in December 2025 and I am currently stoozing around 6K, which I can use to pay off the balance of a credit card in Jan 2026 when the 0% offer expires. I am just wondering whether this will have…
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Help please. Are we liable for stamp duty?
Hello, Thanks in advance for any help that you are able to offer. We seem to be in a fairly uncommon situation. Before I met my now wife, I owned a house. When we married, my wife moved in to "my" house. As the house was fairly small and we planned to have children, we considered that it was not worthwhile to add her name…
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one business two postcodes
we have two premises next door to each other with the same postcode. We are now taking over a third property which is next door again. The third property, although next door has another postcode. Is there any way we can change our address from 37-39 to 37-41 and keep a single postcode? We want to do this for continuity as…
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Unemployed with owned rental property
Hi, looking for options here. I am currently unemployed but actively looking for employment, it is taking some time to find work. I have limited savings but worried they will not last. I live in a mortgaged property but also own outright a rental property. I am wondering what options I may have to release some funds from…
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Small mortgage when unable to work
I've seen some very knowledgeable folk answer on here and so thought I'd ask for advice to optimise my chances. In a nutshell come January I'll have: Savings £5000 Debt £1100 at 0%, and ~£15K student loan that will never be in payment as not earning Income none earned, 1600 benefits No guarantor I'm not a first time buyer,…
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Clear mortgage debt or....
I've got 80k left on our mortgage with the current fix (1.59%) ending at the end of December. Mortgage is currently 360pm and I'm in a position to make a bulk payment in December of 50k, so there'll be just 30k remaining. Im wondering which of these 2 options is more beneficial... 1. Switch to the svr (7%) for a short…
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Buying my council home
So I'm trying to buy my council home. With my discount applied I need a 71k mortgage I'm buying it alone.my mortgage advisor just applied for a mortgage with nation wide last night for me. All they asked for was two months payslips two bank statements and proof I get pip.i keep an eye on my credit report and there's no…
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Purchase of property
Hello all. Please bear with me as It's quite over whelming at the mo. We sold our property. We have put an offer in for the place we would like to purchase. All was accepted. We have had a survey done. The surveyor has pulled a few big things. It's been 8 weeks or so for the seller to provide any paper work, certificates…
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Mortgage & gambling
Just need some advice re getting a mortgage and some gambling transactions through a competition website. My husband and I are porting over our existing mortgage with Natwest and applying for a new mortgage on top of this as we are moving. Our mortgage lender has asked for 3 months bank statements however the past month or…
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Mortgage cleared told to contact solicitor
Hi so in Scotland and just cleared my mortgage and received a letter to confirm this, but at the bottom of the letter they state the following. Ask a solicitor to remove our charge- so it won’t hold up any future sale. i will not be moving or selling this home, so any help with the above?
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Can I get a mortgage while on a DAS?
I’m currently 1 year Into a 4 year DAS. i know getting a mortgage will be slim to none but my long term partner and I are looking into it. i have a lot of disposable income now and my partner and I have around £30k for a deposit. can we get a mortgage using my income aswell as hers but not be on the actual mortgage? any…
