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Monmouthshire BS application
Hi, Anyone got experience of a mortgage application with Monmouthshire BS? How were they, timeline from application to offer etc.? Thanks
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Getting a mortgage on a property in poor condition
I'm looking to buy a Grade 2 listed property that needs a lot of work. There is potential for some limited structural work and resolving some significant damp issues. The property has been empty for a couple of years. The property is technically habitable, as it has a kitchen, bathroom, central heating etc, but my broker…
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HMRC Property Alerts
A few years ago my now-ex wife & I signed up for property alerts against a house we jointly owned. I bought her out during the separation and now own the house outright. I'm planning to remortgage the property for some home renovations, and as annoying as it is, know that she will find out thanks to the property alerts. My…
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Default Clarification
Good afternoon, Seeking first mortgage and as feared, I don't appear to have options available for either 95% or 90% LTV. My (free) broker has explained that even through my defaults were registered c. 5 years ago, one of them being settled early 2023 is causing difficulty in sourcing lenders at these LTVs. So three…
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Leasehold Management pack
I started process to buy ground floor lease hold flat off mum December 24 Everything is done searches etc we are just waiting on management pack from Management agency (EWS) which was requested from mums solicitor around 14th April.. they have been chasing it every few days a week since then still no update on when we will…
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Barclays Re-Mortgage - How will I know if interest rates go down again before new rate starts?
I'm remortgaging with Barclays and can do it through the app. I need to pick a new rate by end of June and know that I can pick one now and if it goes down again before end of June I can cancel that rate and pick a new one but my question is how would I know the rates have gone down again? Once I've picked a rate on the…
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Let to Buy
We've heard a lot about buy to let but less about LET TO BUY. Anyone with good experience of having one of these, and does it depend on how much mortgage you've got left? What if you have no mortgage that a certain winner? thanks P
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Accepted Mortgage Deal, now rates have dropped.
Hi. I was recently accepted for a mortgage offer (around 7 weeks ago), and am in the process of buying a new property which we hope to move into in the next month or so. Since I was accepted, the interest rates on the mortgage products have dropped. I spoke to the bank this morning and they advised that I would only be…
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Mortgage and new job/probationary period
Hi All, Looking to get a feel for where i would likely stand in these circumstances: I'm almost ready to get my place on the market, likely first week of June for survey and photography etc. Awkward timing but i have also just accepted a new job offer. I'm informed pre emplyment checks could take 6-8 weeks, followed by me…
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Broker system encourages disloyalty?
Hi all, First time remortgaging - just want to make sure I properly understand the process and what our broker is saying. Applied initially a few months back and was issued an offer. Now rates have dropped but not with the lender who have already offered, a different lender. Our broker is saying that the only way they can…
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Mortgage
Hi. Has anyone tried CLS Money as a mortgage advisor? I am currently with CLS and waiting for them to confirm if I get accepted for a mortgage. The first lender declined to give us a mortgage, so CLS is trying a different lender. My worry is that CLS will not come back to me to confirm whether they can get me a mortgage or…
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2 year or 5 year, which would you choose?
Hi all, Mortgage is in two parts Part one (323k) fixed period ends 30th June 2025 (was 1.92%) Part two (90k) fixed period ends Aug 27 (good interest rate, not looking to merge) I have just finished a call with Accord Mortgages (current lender) The best options are either 2 year fixed, £1495 fee (added to mortgage) 3.84%…
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Adding spouse to title deeds and mortgage
I currently have a 5-year fixed rate deal with Accord Mortgages (part of Yorkshire Building Society) with a 1.99% APR that ends on 31/07/2025 and the APR will go up to 7.49% from 01/08/2025, so I have been considering remortgaging by talking with Better (formerly Trussle Labs, recommended by MSE) and now Haysto (I found…
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New job in a startup - will I get a mortgage?
Hello, I'm one of first employees in a company that has been operating for less than a year. I've been with them for seven months now and I have payslips and a permanent contract. My partner who I want to take mortgage with works at the same company. Are we less likely to get a mortgage because of how new my employer is?
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Kensington Mortgages
Hi all, just wondering what everyone’s experience of your application going through Kensington Mortgages has been like recently. What sort of timeframe were you looking at? thanks
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Private Water Supply & Santander Mortgage
I am buying a house with a private water supply, porting my mortgage with Santander directly. My solicitor is on annual leave this week and I was looking for advice on something which is urgent in terms of scheduling a report as we are looking for a quick move. My mortgage offer says 'the property is believed to be…
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Default from Lowell affecting AIP
Hi I was wondering if i could get some advice. I am looking to get a new mortgage with my partner. We applied for an agreement in principle from my current lender. This was rejected due to a default being on my credit score. An overdraft debt was sold to Lowell from an old bank account. I can see that it only defaulted in…
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Getting a new larger mortgage - business owner
My Wife and I are looking to move to a larger house. Before we start the process, we're hoping to get some possible clarification over how our earnings may be assessed to give us an idea as to what our affordability will be deemed as. We both own our limited company, I run the business whilst my Wife works part-time in…
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Using equity to pay debt?
Hi I have a new build property I’m in now two and a half years and have just got a new 2 year fixed rate. Is it possible to use the equity on my home to pay off my debts? Our property is valued at £217,000 remaining mortgage £160,000 and equity of £55,000. We have debts of 32,000, we are literally living off debt. Any…
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Remortgaging Advice For Consolidation Of Debt Including Additional Borrowing
Good Morning All :) First Post, But I believe I'm in the right place ') I've tried to look at different Boards and decided Reddit may be the best place for the advice I'm looking for Currently Based in the UK with a Repayment Mortgage with NatWest. Mortgage Remaining Fixed Rate Term is 11 months due to end and My…
