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Mortgages & Endowments sticky
Please be aware of the MSE Forum rules when posting on this board, notably: * If using the Forum as a professional, please note that posting on behalf of your business is only permitted if you are an MSE verified user. * Advertising and spam are not permitted. * Do not share any personal information, such as your own or…
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Will i have to pay the higher stamp fee
hi all, i had a mortgage jointly with my mother and i have now completed the change of borrower application to remove my name. Mortgage is all updated but land registry is not updated yet. I am also in the middle of purchasing my own place and the exchange is about to happen but now the solicitor is saying i will have to…
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MORTGAGE AGENCY SERVICES NO 5 LTD
Does anyone have any contact details for this company I want to register a complaint regarding interest rate hikes , also does anyone know where I can direct my complaint once I have obtained my account details, my mortgage was redeemed 10 years ago.
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MAS no . 5 SVR
Hello all . I am looking to make a claim to MAS no. 5 for unfair mortgage interest rates. I have received a summary of the rates we have been paying from MAS but to be honest, I cannot make sense of what the figures mean and if we can make a claim at all as our mortgage was interest only? . I hope I made sense and I am…
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Have i ruined my mortgage chances?
Hi everyone i just wanted some advice. My husband has recently been given 40k as a result of some inheritance, and we have been looking to apply for a mortgage. i always thought our chances at a mortgage was always slim as we could never save up for a deposit but now we have the 40k my husband wants us to apply for one. He…
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Switching mortgage rates - can I hedge my bets in case the rates go down?
My current mortgage deal (with HSBC) expires in July and I can now switch to a new rate. I've applied to switch (online) and have been given an offer that I have two weeks to accept. Can HSBC withdraw this offer within those two weeks or am I better of waiting until the end of the two weeks to accept in the (probably…
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Modern Methods of Construction - ICF
How acceptable are MMC especially Insulated Concrete Formwork not only for original self build mortgage but perhaps also more importantly when considering future saleability? There are many benefits to the new methods of building but if the property cannot be remortgaged efficiently after self build is complete or when…
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What age did you pay off mortgage ?
Just wondering when people become mortgage free. I’m 54 and have several BTL mortgages, but it’s the one on my main dwelling that I’m referring to. Unless I have an unexpected windfall, I think it’ll take another ten years. I was within 30 grand of paying it off nine years ago, but then we moved and upped the loan…
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Do I remorgage part of my rental house or fully and invest to free up some money?
We are lucky enough to have a second home that we rent out. No mortgage. £1200 amonth less fees etc. House value about £275000 Id like to fully retire (im 64) so I Im thinking of either selling the house and all the Cap gains tax. Spend some, draw down/invest the remaining OR remortgage (if I can) £100,000 to use in my…
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Regulated Buy to Let Questions.
Good morning, I wonder if anyone would be able to help with a few questions I have about Regulated BTL mortgages. Backstory - I'm in a lot of debt (would enter a self managed DMP if/when I know my housing situation is secure) I own a home with my ex partner and have 3 10/11 year old sons. Current property £111,000 left on…
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Remortgage hell
Hello i am looking for some positive help. We have recently sold our house and had an offer accepted on new house. Our mortgage advisor has applied first off with our Current lender who said no. He then tried the Cumberland Building Society who are also looking like they will say no. The problem is my old dmp. Its full…
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Tessera portfolio management - Equitable charge by interim order???
04 may 2007 the above was filed against my property - this company was dissolved 30 July 2013. I wasnt in a good place at this time & i have no records ir recollection of thus i. fact most likely my partner at the time hid this info. Has anyone else had any dealings. I know i can go to the crown but is there a list of…
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Mortgage broker messed up
We arranged for our mortgage to switch to a new product (with the same lender) on 1 April through a large, well‑known broker. Everything was completed in February, and we were told the new rate would automatically take effect on 1 April with nothing further required from us. For context, I hadn’t realised we would be…
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Haysto
Has anyone used Haysto Mortgage brokers? They specialise in bad credit mortgages... Looking for success stories as I'm about to submit an application today. I have 8 defaults on my credit file but they think they can help... I will be charged 6.14% OR £854 a month Fingers crossed for me Has anyone got a bad credit mortgage…
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Mortgage broker - ask me anything
Thought I would start a thread where people can ask the brokers opinion on things @ACG @LRmortgage @kingstreet @Deleted_User (any other brokers want to chip in - these were the main other brokers who came to mind. It is definately an interesting market - probably the busiest I have ever been but at the same time lenders…
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Remortgage
My current fixed mortgage rate deal ended March 31st - I instructed a new lender on March 9th, but this has not been completed in time and today my mortgage payment came out and I'm now on the variable rate - approx £100 more than I usually pay. Did I not give myself enough time for the deal to complete? If I didnt' then…
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Looking for advice regarding flat purchase and EWS1
This discussion was created from comments split from: Which mortgage broker?.
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NatWest - process for FTB
I'm a FTB at the age of 50 (!) and would just like to understand the process a bit more whilst I'm agonisingly waiting for news. My broker is great, but feel like I'm bombarding him with enough questions! I am (hopefully) buying a house for £190000, with a 10% deposit. This is through NatWest, who also issued me with a…
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Historic Endowment
My mum has recently passed away and when going through paperwork, I noticed that she took out an endowment with standard life at the same time as taking out a mortgage with Nationwide. The endowment was taken out in 1988 and matured in 2013 but I don’t think this was ever cashed in. I’ve tried reading up on the topic of…
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how to 'give' my son my house
I am just wondering the possiblilty of giving my house to my son and how to go about it; Briefly, I have a house valued approx 130k. Outstanding mortgage is £30k . Son is self employed, Am I right in saying that I could do something called Gift of Equity , so that he owns the £100k equity Are there any alternatives you can…
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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…
