Getting a mortgage with an old ccj thats been removed?
Hi! My partner had bad credit years ago and had a ccj. This has been on his file for six years and has now been totally wiped from his credit report...never to be seen again! We applied for a mortgage...
View ArticleHow to boost credit score to get mortgage
Hi all, My husband and I are just about to re-mortgage and we've both been totally anal about our finances for years now, paying off all our credit cards, paying everything bang on time and really...
View ArticleFTB mortgage application delined
Hi, after doing a lot of research, and saving up a 10 % deposit, I applied for a mortgage with Nationwide. At my first meeting the advisor took my details, pay slips, ran a credit check (Excellent...
View ArticleMortgage further advance. Am I safe?
Hi. Took out a mortgage on a BTL 9 years ago. (actually a "commercial" mortgage.) Was agreed at £100k (75% LTV) I only drew down £35k at the time. Now looking to draw down the rest (the other £65k)....
View ArticleMothers mortgage Wows
Hello Advice please. My mum (63) mortgage is due to be paid in full next year and she has had the DSS paying just the interest for the past few years, she was always under the impression she could...
View ArticleBad Credit Joint Mortgage
Im hoping you guys will be able to advise me on the following. I had a really bad time with money about a year a go, racking up unsecured debt i really struggled to pay back. Im now with StepChange...
View ArticleProperty valuation when re-mortgaging
Hi, We are looking to remortgage because our current deal comes to an end very soon. 2 years ago we bought our property for what i considered to be good value because previous owners wanted a quick...
View ArticleSelf Employed remortgaging - business had bad year
Hiya, Just wondering if anybody knows of any good mortgage lenders for the self employed? Situation is this - Got a mortgage and bought a house in 2011. I was employed on approx 24K p/a, at this point...
View ArticleFTB joint tenants vs tenants in common?
Hi there I'm after a bit of advice re a joint mortgage between myself and my long term girlfriend. We are both in our 20s and it is our first place together. As an unmarried couple I am interested to...
View ArticleMortgage and sulphate attack
We have had a mortgage offer accepted and they went and valued the house. We had our own survey done and there is possible sulphate attack to the floors - we find out next week. If it is and we reduce...
View ArticleTransfer of equity - help please?
Good afternoon! I am after some advice from you lovely people! (Please?!) I want to do a transfer of equity from my ex to my new partner (me staying on mortgage) but the existing mortgage is a self...
View ArticleNewbuild advice please
After receiving two AIPs from different lenders I am considering buying a newbuild house. The estat agent is keen for me to reserve. Firstly, is it normal for sellers to be flexible in terms of price...
View ArticleHelp to Buy Mortgage?
Hello Moneysaving people :) Myself and my wife had been diligently saving for the last year for a mortgage deposit, which we had finally managed to do. However i have recently taken a new job, which...
View Articleremortgage
I have a £37,000 mortgage and im currently on the variable interest only mortgage with the woolwich,im now looking for a fixed rate mortgage and im not sure whether to cash in my endowment which is...
View ArticleHELP Trying to get a mortgage!!!!!
Advice Please..... Me & my partner have applied for mortgage with Halifax we have both been approved for a promise on a 10% basis, my partner has two satisfied defaults both under the amount of...
View ArticlePaying parents mortage - tax implications
I am thinking of helping my parents with their mortgage as their endowment is not sufficient. Are there any tax implications to this if I make a one off payment(s) to their mortgage, and would I do...
View Articledeclined a mortgage by santander
myself and my husband were declined a mortgage from santander. the reason they gave was when fixed rate gone we wouldn't be able to afford the £1600 payments a month. However we were going to get fixed...
View ArticleQuick Question - Santander internet banking/mortgage
Hi all Does anyone know whether Santander are going to introduce online account viewing/management for mortgages? I have a credit card with them (123) which I manage online and in my accounts summary...
View ArticleFirst time buyer - old default advice
Hi all, My husband and I are hoping to buy our first house next year. We're satisfied that we'll have a good deposit (20%) by the time we apply for a mortgage and we both earn good money so we're...
View ArticleContinuing the critical illness / life assurance policies
I recently sold my house and the proceeds paid off the mortgage. The mortgage was on a repayment basis and I have three critical assurance policies with Scottish Widow that were taken out to cover the...
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