Self employed needing mortgage advice
Hi im going to apply for a mortgage very soon. Just a couple of sticking points. My creditkarma score is 601/701. Couple of yellow highlights there are HIGH IMPACT Credit limit £3,000 This is the...
View ArticleBluestones?
Hi Question not for me but on behalf of my neighbour who is selling his old family home (has already moved to a bungalow). A couple who are first time buyers made an acceptable offer 3 weeks ago. As I...
View ArticleWill lender frown upon me putting our holiday on a credit card?
Hi all. Last year we booked a large holiday with our kids and other friends. We are still paying down the balance by 300 a month and have 1200 left to pay. We also have about six months until our new...
View ArticleWhat mortgage cover do you have?
Hi all, Any advice and opinions would be great thanks...Our mortgage broker has sent over a list of different mortgage protection. Critical illness, mortgage paid on death, serious illness cover and...
View ArticleRemortgage - Help to Buy
We are looking to remortgage and, in doing so, borrow more to repay Help to Buy in full. Mortgage advisor is saying that we are severely limited in lenders due to us having Help to Buy. Appreciate...
View ArticleBrokers - is this placeable?
I've just had a call from a young mortgage broker relative of mine who asked my advice with regard to placing the following case - The client (a portfolio landlord) is a 100% shareholder of company A....
View ArticleBarclays - Sheer Incompetence
Hi all, Let me share my experience and please tell me if this is normal because I'm genuinely at a loss for words and I cannot comprehend how an organisation that decides on mortgages can be so...
View ArticleMortgage application documents
Hi I have checked three times with nationwide and I find it odd that they only want one of my payslips and my pip award. They dont want bank statements and they said the verify it electronically if...
View ArticlePost Office Money - Online Bond Statement
I'm in the procees of sorting and confirming a morgage, and I need to prove the existence of a deposit via a bank statement. The money in question sits in a Post Office Online Bond account, and my...
View ArticlePCH effect on mortgage
Hi, I am looking to clear my loans and get a PCH "contract hire" does this show up on your credit report? If so can will this have a negative effect on a mortgage application?
View ArticleFirst time buyer - section 106 shared ownership
Hi guys I am new here but looking for some assistance if possible Our offer was accepted on a property subject to a 106 and shared ownership. Section 106 states we need to have a local connection to...
View ArticleHelp with mortgage application
Id be really grateful for some advice, I have an application in with Aldermore (we are currently on DMP) and they have asked for an explanation around our credit card usage. Usually these are used...
View ArticleFuture Mortgage Seeker - Questions from a future First Time Buyer
Afternoon All Fully appreciate this is a projection of where I want to be in 3 years' time but I am hoping someone can advise. I would like to be in a position to purchase my first home in 3 years. My...
View ArticleImpact of partner with little credit history
Hi again, Quick question. Mortgage application about to be submitted for 90% LTV on circa 400k of borrowing. Joint income just north of 100k. Partner is very credit averse, and as such, has only ever...
View ArticleRenewing a fixed rate soon
Hi Im new here.My fixed term comes up for renewal end of March. Have discussed with lender their new contract if we stay with them for a new 5 yr fixed term.Also mentioned I would be paying off a lump...
View ArticleI have been told that the big house builders, surveying institutes and high...
often meet, particularly when deciding on pricing for large developments. Is this to discuss what houses will be priced at & check that everyone is on the same page? It feels a little corrupt, to...
View ArticleRepaying mortgage early
Any mortgage expert on here? I have a mortgage which is made of 2 parts (For the same property). One on repayment and a second one which is part repayment part interest only. The first one cost me...
View ArticleLooking for Interest only Offset Mortgage
Hi Just looking for a direction really, the title sums it up. Want to find a mortgage for 5 years LtV of around 10%. Thanks Paul
View ArticleMortgage approved subject to valuation
Yay! After 3 weeks of messing round chasing paperwork weve been told our mortgage is approved subject to valuation. Are we pretty much home and dry? Theyd have to downvalue the house by 30k to effect...
View ArticleAldermore Mortgage Help
Hello, Me and my partner are first time buyers, I have an Excellent Credit score, my boyfriend not so much around 610 on Experian - due to an unpaid student overdraft around 1.5 years ago (innocent...
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