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Tracker Mortgage query
Hi all, So my existing fix is coming to a end later this year and provider has already messaged me saying I can choose a new deal. I've been on the app and it shows several deals and I'm considering the 2yr tracker deal they have at the moment. I've asked them some questions and 1 question they didn't actually answer but…
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Mortgage 7 years after DMP finished
We were experiencing financial difficulties and had a joint dmp in 2008, paid religiously until 2019 when we came off the dmp and paid only remaining enforceable debts/debtors - 3 of which we are still paying a small amount to each month. Our credit records are now excellent, we have no defaults. We are desperately trying…
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Finding A Reasonably Priced Adverse Credit Mortgage Broker
I'm happy to annouce come September 2025 I will be 2 years discharged from my settled IVA. I was fortunate enough to have my parents settle my IVA early. I think it will be around 2028 when it will leave my credit file. I currently own my home and looking to move after September, I am lucky enough that I have enough equity…
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Welcome Finance/Coast Finance solutions
Hi I am looking for some help. We took out a second charge on our property with Welcome finance, the debt was sold to Coast finance solutions. We repaid the loan in 2020 and assumed that was the end of it. Unfortunately we didn't get a letter stating the debt had been repaid. Recently we started to remortgage our property…
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Buy half an inherited house?
Hi there, I’m just wondering if it’s possible to buy half an inherited house. My grandparents passed away last year and the house has been left to my mum and uncle. My mum has said she’s not bothered about her share but we would have to buy my Uncle Share out would that be possible with a mortgage? Or is it possible to To…
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Buy-To-Let, Regular Mortgage or Bridging loan?
We have been looking for a 2nd property for a long time that we would like to use as a holiday home but possibly AirBnB when we are not using it. We found a property which needs some renovation to bring it up to a good standard and have had an offer accepted on it for £145k. We aim to renovate the property over 4-6 months…
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Tracking Halifax application
Hi - can anyone advise where I can track a Halifax application - applied through a broker and have the Halifax roll number but can't find the portal anywhere. Thank you
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Will 0% debt impact a mortgage application?
Hi, hopefully putting my house on the market in the next week or two. When applying for a mortgage would having £4k on a 0% credit card massively Impact an application? I bought an engagement ring and put it there whilst keeping the money in a 5% account. I could obviously pay it off if needed. For information House value…
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Remortgaging to repay HTB, consolidate debts and borrow for home improvements in one go?
Hi all Seem to be hitting a brick wall with regards my attempt to repay my HTB loan with multiple lenders, due to affordability being lower by having other lines of credit. In summary; our house is worth circa £500k at the moment, with a Halifax mortgage of around £200k. Help to buy equity is around £100k (20%). We have a…
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Halifax mortgage - deal ending
Hi, I have a small mortgage with Halifax that ends at the end of July. Properties worth around 345,000 mortgage is 36,000 currently at 4.68% They have a tool in the app to switch but the best it’s offering me is 4.09% for a two year fix or 4.33% for a five-year fix. Online I can see there are often new customers lower than…
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Paying off debt and upsizing with mortgage.
I currently own a 3 bed semi property with around £200k in equity. I’m looking to upsize due to my 4 children growing fast and needing their own bedrooms, so looking at selling and upsizing. Here is where the potential issue arises, myself and my partner have combined debt of £36k, a mix of car loans, credit cards and…
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Nationwide - is there a way to see the effect of overpaying £x?
I'd like to be able to see the impact overpaying my mortgage by £x without having to sit 30mins in a phone queue to then say try this, try that, try the other. I can get in to my Mortgage Manager & I can see a few options on how I want overpayments to be handled (such as bring term down, leave payments the same etc).…
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Transfer of Equity with a mortgage in place - HELP PLEASE!
Hi, Hoping someone can help please :) I have instructed a solicitor to start the process of a transfer of equity on a property I have with my ex wife. This property is mortgaged (interest only). It was purchased in 2008 and we separated in 2010 when I subsequently moved out into rented accommodation. I have contributed…
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Remortgage held up by land registry - should we expedite now or later?
Hi all, Me and my wife got married in April, and soon afterwards did all the admin regarding her taking my surname - including putting in a request to the Land Registry to update her surname on the house title. Our current fixed rate mortage deal ends 31st Oct. We have begun the process of remortgaging and have just…
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Best re-mortgage product? What Mortgage Store have come back with.
This is my first rodeo on the forum, so bear with. My situation is pretty straight forward. I am looking at a 2 year fix and have been advised to stay with Nationwide. The product that I am being advised on: Interest Rate: 3.84% Product Fee: £999. Monthly Payment: £841.19 (if paying product fee upfront) or £846.35 (if…
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Scary read with precise mortgages!
We’ve gone with haysto due to my colourful credit history - they’ve been amazing and put us with precise. accepted DIP and went to application. We then read how they are…. Application went in Tuesday, valuation booked in for 3/6 of the property we’re buying and today already heard back with extra questions. mainly over my…
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Remortage when already retired
Hi. My fixed rate ends on 1st September and looking for best deal for just under 5 years. I'm 70, have present mortgage to 75
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FTB mortgage with two defaults
Afternoon, I am looking to buy a house in Scotland. I'm currently on £33,000 a year but with overtime and commission it is about £43,000. I am 40 and keen to get on the housing ladder. Should I continue to pay off my credit card debt and two defaults at £1,200 a month as I am doing or should I reduce that amount and build…
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What rates could we be looking at?
Looking for some advice if possible…moving house…using equity of approx 110k as deposit on new house 265k…joint earnings 90k with £1500 loan and £200 pm. Partners credit file is squeaky clean but mine has some adverse. 3 defaults all satisfied, most recent registered in 2020. Ccj of £1500 registered in 2020, satisfied in…
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Remortgaging on owned outright property.
Hi All, I am trying to help my son buy a property - he lives in Australia. We own our house outright and have no mortgage. I am wondering if i can remortgage our house on interest only to buy him a place in Oz for which he will pay rent. At the moment he is not in a position to get a mortgage there but should be in the…
