Raising equity
Asking a question for a friend, he has 2 houses both paid for he lives in one and has a sitting tenant in the other paying token rent (can't get them out or raise the rent). He is looking to finance a...
View Articlelost money on a Mortgage application
Is there anyway to reclaim money off a building society for poor service when applying for a mortgage? The lender in question messed about for weeks, and in the end offered less than they said they...
View ArticleFTB - Deposit Question
Hi everyone! We have our mortgage approved and everything has finally gone through to valuation which is happening Monday!!!! Yea!!!!!! We are currently tennants and so have asked for a completion date...
View ArticleHelp with credit score and mortgage
Hello, I'm looking for some advice and this subject is very new and scary :o Basically, my husband and I want to buy the house we are currently living in. It was my mothers, who passed away earlier...
View ArticleNationwide Mortgage & New Build
Hi all I've received my Nationwide Mortgage offer and thought all was going well until I found out that my conveyancer has to inform Nationwide about any builder incentives and get their approval...
View Articlemortgage after seperation with poor credit history
I will try to keep this brief but i really need some advice. I have 2 ccjs from 5 years ago, one is settled, i also have a secured loan which is now unsecured which i am paying £10 per month for and...
View ArticleBritannia fee-free exclusive
Hi, I am a FTB with my partner and I'm looking at 90% mortgages. We're both junior doctors (not considering Scottish Widow as they don't actually provide the best deal at this LTV). Just wondering if...
View ArticleWorried about affordability
Hi. I was wondering if anyone could offer me some advice/reassurance. We have just had an offer of £250K accepted on a house and I am worried about the mortgage going through. We would be moving home...
View ArticleMortgage application rejected - Halifax
Hi Guys Not sure this is the right place for this but as it's related to a mortgage application I'll put it here. Mods, feels free to move it to a more appropriate place if needs be. So anyway we had a...
View ArticleLow deposit will i get accepted?
Hi, I would like to buy my first house towards the end of next year. I earn £40k a year and i want to buy a flat in south london for around £180k. I have £10k at the moment deposit wise plus i am going...
View ArticleMortgaging a leasehold vs rent
Hello everyone, I'm a bit new here but I'm after your opinion. I've seen a nice flat for around £60000 that is leasehold but has 113 years left on the lease. I'm 23 years old and I have a 20% deposit....
View ArticleA little mortgage advice please?
Hi all, I'm very sorry if this is a repeat question but I have trawled the net for a specific answer and can't find one so here goes... I currently have a repayment mortgage with natwest and have...
View ArticleAdditional loan added to mortgage
I would like to borrow some money for home improvements, I thought I might ask my current lender Santander for an extra £10.000 on my small mortgage, I am self employed and need a SA302, I actually...
View ArticleThoughts please
Just need to talk to someone! My partner and I had our offer accepted on a house that would be great for us. Offer 169000, mortgage needed 92000. Thought everything was going well, now it appears he...
View ArticleHalifax rejection appeal be successful?
Hello, My husband and I have applied for a mortgage with halifax got a decision in principle went to full application but got declined, my husband has a default which is only 15 months old, this is in...
View ArticleHouse buying - Solicitor recommendation
Not sure this is the correct area for posting, so I apologise in advance. I am looking to purchase a property and need some recommendation, I live in south east london (SE5 7HL) and therefore need a...
View ArticleBank banks changing self employed Ltd mortgage critera... SA302 notes
In the last few months the mortgage companies who had previously used salary & dividends and included retained profit in company (as sole shared holder) will now only take SA302s as my income. You...
View ArticleBuying a house...advice needed please
Hi, We have recently been accepted for an 80% mortagage on a house we have seen for 105k. The house is in need of modernisation, for exampke it needs a new kitchen, bathroom and heating system. My...
View ArticleWhen current deal ends...?
Hi all, We currently have about 20 months until our 5yr fixed term ends. We currently pay 6.5% so are very much looking forward to it ending. My worry is that at present we still owe £134,000 on our...
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