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Mortgage application stage
Hi ive just had surveyor want to book.mortgagr application for my buyer in our poerty.Does that mean the buyer has passed the other stages so far such as the affordability and credit check with mortgage company it's now just down to whether the property is now worth the mortgage amount? Just trying to get feel of progress
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2nd Mortgae
Hi I am at a loss here. I want to buy a new home but already have one. Once i have the offer accepted i will put the my home up for sale. Can i do this. Hope the above makes sense
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Mortgage Deal ends 1st August - BOE next review is same day
Hi All, My mortgage deal ends on the 1st August, the same day the BoE review interest rates. Concerned if i do a deal now they will drop on the 1st August and i will miss out. If i was to stay with the same supplier can I change same day if i am happy with the house valuation? Also do they change mortgage rates the same…
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Remortgage Choice
Whilst it is crystal ball stuff and everyone has their individual finances to consider I'm curious on what the general consensus moving forward
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NatWest Mortgage
I live with my partner (ex now) in our mortgaged home. We have decided to rent out this property and buy our own individual flats. I have an AIP with NatWest however when I try to continue to apply online, it asks if I’ll be settling any current mortgage and if not I can’t proceed online. Why would this be? I need to call…
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Joint mortgage with brother request
Hi - my brother has been through a protracted, nasty divorce and wants to take over mortgage and remove his now ex-wife. All agreed by court etc. However, bank won't lend him money as he had a period of not-working (during mental health crisis during divorce). Is now stable and on decent money and covers costs each month…
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Redemption statement for only part of a mortgage
Hi there, just wondered if anyone could shed some light on this. I have a mortgage with NatWest. Has anyone ever heard of / been required to receive a redemption statement for only part of their mortgage? Is this a thing? I have scoured Google and everything I find insists a redemption statement is only relevant if paying…
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First time buyer advice
Hey everyone! My partner and I are looking to buy our first property in the next 12 months. We've managed to save what feels like a substantial deposit, although the LTV would still be about 85%. We took out a loan to buy a car at the end of last year. At the time we were in two minds about using some of our deposit to buy…
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Mortgage offer
I have a mortgage offer from TSB and was hoping to switch my current account with them. This is a second account… would this affect my mortgage offer?
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What happens if a bank's new customer mortgage rates are better than its product transfer rates
Let's say you're with Natwest and its time to renew your fixed rate mortgage. The best remortgage deal on the market (for new customers) is from Natwest. Meanwhile its product transfer rate is more expensive. Can you get the new customer rate? And if so, do you have to go through affordability checks or will it be treated…
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Transfer of Part Plan
Hi, I've agreed with my neighbours to purchase part of their garden but I have very little idea what's required so would be grateful for any advice. As I made the offer, I've been trying to arrange and pay for everything that has been required. My solicitors have now told me (weeks in!) that I need a plan for the transfer…
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Mortgage application between jobs
We're mostly in a good position for a mortgage offer of a 380k house - we both have great credit rating, good incomes and a deposit worth half the value of the house, including the proceeds of a sale of my first home. We're looking to borrow 190k, which is far below the ~500k we were being offered as a limit in agreements…
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Mortgage application
We have submitted everything all the boxes are tick green valuation on the house alredy done as we have home report offer accepted on the house still 2 steps to go waiting for mortgage offer !!
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Halifax
Stuck on mortgage offer after everything seems OK
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Mortgage couple - partners different contribution
Hi, Me and my partner are in the process of buying our 1st house together. We have an arrangement but we are not sure how we can work that out now, and in the future: My partner will pay the deposit (she has money from a previous property she sold) and I will pay the mortgage (have a higher salary). As an example let's say…
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Which offer should we take?
Hi all, we’ve come to the end of our mortgage term which was a 5-year fixed on 2.2% for 35years and we were paying approx £1050 per month. Our first one! Our newest offer is for 30 years, 4.97%, fixed for 5 years. It would be approx £400 per month more. We’re not super comfortable being tied into this for 5 years, but know…
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Santander Mortgage woes - 2 year fixed product, turns out to be 4 months longer than quote!
For my mortgage renewal I was quoted by Santander 1, 2 and 3 year fixed rate products. The rate was much higher than I had been paying historically, but I intended to pay it off by the end of 2 years. I confirmed the offer, as encouraged to, on my phone via the Santander App. When I got confirmation of the new mortgage, I…
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Need help with my Remortgaging
Hello There! Can Anyone find me the perfect solicitor for my Remortgaging, I live in Blackburn, Should I connect with any firm or find my own, which is easy and cheaper?
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Changing country and Mortgage ending _ Please advise
Hi there, Our five year mortgage deal with Natwest is ending this October for our only home. Based on HPI, our LTV is 67%. My employer has offered me a new role in the US, expecting me to start there in September. We will be going to the US for at least 3 years and up to 7 years maximum. We do not want to sell our house…
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I don't know what to do
In September 2017 my husband and I bought our house, with the help of my parents gifting us the deposit and in the November 2017 I found out he had been having an affair and we separated (he moved out in the November), followed by divorce. It is a joint mortgage, but he has never paid a penny towards the house in anyway,…
