-
Mis Selling Mortgages
I hope you can help me please. I have been contacted by a company called Lawcost Legal Limited who apparently have bought out Commitments Protection with regards to mis selling of mortgages.I did have a PPI claim with Commitments which I was paid out back in 2006. I also paid Commitments 2 lots of £354 for them to look in…
-
Lawcost Legal LTD
Does anyone have info on Lawcost Legal LTD? i cannot seem to find anything positive about them, and very limited info online. Thanks
-
Mortgage and Partner's Credit Rating
Can someone please advise if my husband’s credit rating will be negatively affected if he adds me to his mortgage? We have separate finances and he’s got a perfect credit score. I had a voluntary house repossession in the past which will continue to affect my credit rating for another 3 years. I want to pay a lump sum…
-
Tennant's in common
Hello. My husband and I are in a second marriage. When we purchased our home we had unequal deposits. We purchased our home for £247,500 his deposit £160,000 from the sale of the house but mine was only £10,000 from my divorce. That gives him 65% and me 4%. We are wanting to put in place a document to secure our interests…
-
Selling two properties to buy one - strategies
Hi all, I am looking to buy a house with my partner. We both currently have flats with mortgages, I have just accepted an offer on my flat (let’s call it Flat One), Flat Two is going to market shortly. We do not need the small amount of equity in Flat 2 for our onward purchase - there is significantly more equity in Flat 1…
-
Equity worries - disabled lodger
Had a Equity release some 2 yrs ago with myself and partener which both are on the electoral register. Our daughter who is registered with a disability. She currently lives at another property and is on the electoral register for that property. Her well being is not as hoped, so we want her to come home with us. Our Will…
-
Mortgage term lower than agreed with the lender
Hello, I did apply for a remortgage in April 2022 as my deal was coming to an end in October 2022. The mortgage offer from the lender says 2 years (24 payments) with a fixed rate to 31/08/2024. Completion was done on 04/10/2022 and I've received an email from the current lender to say that my mortgage will change to a SVR…
-
Who paid the mortgage
For legal reasons i need to confirm that i was the sole person who took out and paid my mortgage and completed the full payment finished in 2011.
-
KENT RELIANCE EXPERIENCES
Hi, I'm looking at moving my savings to Kent Reliance from Santander as they are reducing there interest rate significantly. I have heard of Kent Reliance before but have always used high street banks. Has anybody any experience of having a savings account with Kent Reliance good or bad??
-
mortgage term
first time buyers and broker has based on 35 yr term, Any advice about shortening term but paying more per month? if we take 5yr deal can we change the term on next renewal? also can we ask broker about deals we have seen on moneysaving best deals?
-
2 Year or 5 Year Fixed?
Hi all, Just after some different opinions on my remortage scenerio House value with current provider £167k, ourtstanding mortgage £124k (LTV 74%) £124k mortage made up of 2 products £116k (2.65% fixed 30/06/2024) £8k (2.65% fixed 30/06/2024) Offered the below fixed rate 2 year (fixed 31/08/2026) 4.99% + £799 fee 5.15% no…
-
Is it worth taking a 5 year fix now?
I've got 4.46% locked in and have until tomorrow to accept it. I was all set to take it but am now having a wobble! Currently on a tracker at 0.34% until September 2025. LTV is well under 50%. With it looking like the base rate will start dropping from as early as next month I'm just after opinions on what you would do.…
-
Santander mortgage Error 9+ years ago
Good Evening Everyone, Was hoping someone can give me some advice of the following Santander error I have been notified of today by letter. It’s states that in 2015 I l ended a mortgage early with Santander and took a new one within 3 months and should have been refunded the early exit fee from the original mortgage with…
-
New job - Will this affect me getting a new mortgage?
Good morning all, I am hoping I can get a little advice here. I have been with my employer for around 16 years, but have the opportunity to get a new job elsewhere for more money. I am currently looking to move house and will need to apply for a new mortgage when I do so. How will moving to a new company effect getting a…
-
No declaration of trust/equity split with ex
Hi, I was wondering if anyone could help with this. I stupidly made a decision to buy a new build property with my now ex almost 2 years ago. We split up and have been living separately for 6 months. It was as nasty a split you could imagine. The initial plan was to sell the property as soon as possible, but with it being…
-
Overpayments
Good Afternoon I’m aware of the ERC but is there any issues with overpaying my mortgage a few pounds at a time. I tend to set a daily budget for spending and any leftover on that day, I sweep across to my mortgage. I’ve maximised my saving accounts with higher interest rates
-
Estate Agent MA/independent broker dilemma
I recently engaged an estate agent who offered mortgage advisor as part of service package. Being a first-time seller, I subsequently spoken with them, shared details and they have sent through an AIP. I communicated about the AIP and % charged to the mortgage broker I have used for a number of years as my Dad advised me…
-
Self employed 11m and want to borrow more
My partner was promoted to director and given 25% shares back in May 2023, hes has been with this company over 8 years and it is well established. We are looking to remortgage and want to borrow more but we are having no luck in finding any lenders willing to take us on, frustratingly i know its because hes only been…
-
Selling house and fixed 1.89% rate mortgage has just ended. Rate is now 7.99%
Current fixed rate of 1.89% has just ended. New rate is now 7.99% and they are urging me to lock in with a new deal. Accepted an offer on the property and waiting for sale to complete but no expected date yet. Do not plan on purchasing a new property right after so unable to port a mortgage on to another property. Any…
-
First Time Buyer - Halifax Application
Good evening, Looking for some advice as I am driving myself mad in the wait for a mortgage approval. I am a first time buyer, I have gone for a mortgage through the Halifax and can see from my online tracker that everything is green up to the Valuation part, does that mean that everything in my application is fine so far…
