Help please - application problems
Hi all I'm a FTB going through the process of setting up a mortgage. Went through an independent broker who lead me to believe there would be no problems. Well, I am having problems in the form of...
View ArticleRemortgage valuation; tips for extracting maximum LTV % i.e. 85%
To cut a long story short we bought in December 2012 and ported our existing deal which runs out in July. When we bought the house was marketed for £125,000.00. We agreed to pay this and applied for a...
View ArticleAssurance endowment: Sell, surrender or hold?
Hi all. Can anyone point me in the direction of online guidance (MSE or elsewhere) to assist me in what decision to make regarding an assurance endowment policy? Thanks in advance.
View ArticleGot AIP based on misleading info
So mortgage adviser let me know that i've got the agree in principle for the full amount of 95% mortgage. Now i need to prepare documents for the application. However i realised my girlfriend isn't...
View ArticleHelp Me Please!
Good Morning, I am after some help desperately please. I will try and make this as short and to the point as possibly, but would really appreciate some help. Just before the recession I bought a new...
View ArticleFixed term contract and mortgage application
Hi all, I'm a first time buyer currently looking at the various mortgages available to me. I have perfect credit history and close to 10% deposit. However, the fact that I'm in a fixed term contract at...
View ArticleRequesting Mortgage funds
Hi How long does it take for mortgage funds to be transfer to the solicitors account. Is there anyway that we could speed this up. We are want to try and complete on the 5th April but are awaiting on...
View ArticleFirst Direct 5 Year Fixed of 2.64%????
Hi there, I have recently come off a FD 5 year fixed rate offset of 4.99% onto SVR of 3.69%. I didn't consider the Britannia recent 5 year fixed of 2.79 as I really like being with FD. However I am...
View ArticleValuation stage of buying repossession
Hi folks Ok so i'm currently in process of buying a repossession (im a FTB) so far so good, valuation being done this morning, does anyone know the time between valuation and exchange of contracts?...
View ArticleVirgin Money Mortgage Process
Has anyone any experience of Virgin Money for a mortgage? I started of with a referral which quickly got approved, they then asked for last 2months payslips, P60, passport, utility bill and details of...
View ArticleTimeframe
Hi everyone Am I being impatient or is it taking too long? I was told last Wednesday by my mortgage broker that my application was with the underwriters and I should be getting a decision/offer in...
View ArticleBenefits and needing a mortgage
In simple form 1. I am a single parent not working and on benefits after recently having to give up my work after an accident 2. I am retraining to go back into work hopefully in September. 2. I have a...
View ArticleBuying with a friend - part mortgage part cash
HI There, I am looking to buy a house and mentioned this to a friend who is also in the same boat. We realised that if we clubbed together, we could afford a much larger house, enabling us to rent out...
View ArticleReferred to mortgage underwriter - advice please!
Hi, After the opinions of those more learned/experienced than myself! My Girlfriend and I are in the process of buying our first house. Agreement in principle in place, offer on the house accepted,...
View ArticleSelf employed - first time buyer!
My BIL is 42 years old and self employed and currently renting a 3 bed terrace. Business is currently making a modest profit. 2 questions really, is there certain deposit amount you need when self...
View ArticleNeed Help Please....
Hello peeps, Having declined by (halifax) yesterday, for discrepancies in my paperwork (?) which obv they didnt disclose, we have decided not to go ahead with the mortgage application elsewhere (apart...
View ArticleIs it worth trying? FTB/Mortgage worries
I think I've got the usual FTB worries and concerns about post university credit rating carnage! I spoke to Halifax (I bank with them) about the possibility of taking out a mortgage. I've always been...
View ArticleRepayment vehicles for offset mortgages?
Apologies if this is a really silly question, but if you apply for an interest only offset mortgage, what do they accept as a repayment vehicle? Is it enough to say how much you are planning to offset...
View Articleproof of income
When applying for a mortgage, what does the bank require as proof of your job and income?
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