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Remortgaging questions

Firstly, apologies if these have been asked before. My fix is up soon and it's looks like I'll be moving mortgage as Santander haven't been particularly competitive. As this is the first time I've had...

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mortgage reclaim?

today I had a phone call from a company claiming that I could have a right to get back money from my mortgage lender, due to a) using a broker who put his fee on the top of my mortgage b) because I...

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FirstBuy scheme refused

Well we have just been refused to be given the governmental 20% because we're earning too much, allegedly. The new build 2 bed property value is 90k. Which means a deposit of 4.5k which we raised. It...

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Changing jobs mid mortgage application

Does anyone have experience of this? I have been in my job for 7 months and am unhappy with it. I have applied for another, very similar job (but with more responsibility and slightly more pay) and...

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nationwide FTB application and overdraft advice

Hi, just wanted to know if anyone has been successful getting a mortgage with Nationwide on the FTB scheme whilst in there overdraft? Im in my interest free graduate overdraft of £1000 and has a limit...

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Mortgage application first direct - does this sound right?

Hi all. Hope someone can help. Had an agreement in principal arranged through first direct. Figures as below Purchase price £450k Deposit (savings and sale of house after mortgage cleared) £200k...

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Do banks take (potential) income from rent into account when lending?

Hi, I earn £17k and I suspect I would be able to get a pitifully small mortgage. Its a pipe dream but I would like to buy the house I'm currently renting a room in which I suspect will go on the market...

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Joint Mortgage - 1 partner has bad credit

Hello all, wonder if anyone can help Myself and my girlfriend are looking to go into a joint mortgage together. Only problem is that while she has an excellent credit rating/history, mine is not so...

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Can a name be on a house but not its mortgage?

Hello all When I met my now wife some years ago, I owned a small house. When we got married and began planning a family, I took a buy-to-let mortgage (in my name alone) on this house to raise a deposit...

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I have a CCJ but a good credit rating... will I get a mortgage?

I have applied for a mortgage with my husband but I have a CCJ I declared this before applying to my mortgage advisor at lloyds. We credit scored together as an A (which I believe is the best) but as I...

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Self Build Mortgage Help

Hi, we are looking to self build our own house but trying to understand how we can fund it. I know with self build mortgages are paid in tranches and the maximum LTV seems to be around 80%. But is this...

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Bank offered credit card? Hope to apply for mortgage pretty soon...

I am sure this has been asked so many times, but I currently bank with the Halifax and they have offered me a 0% credit card. I do not have any credit other than an overdraft which I rarely use....

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Day Rate Mortgages

I have been out of the UK for some years now and have had the benefit of a Day Rate mortgage. Is there any way I can obtain the same type of mortgage upon my return to the UK. My reason for wanting...

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Help to Buy Advice please

Hi all, My wife and I are currently renting. Her nan has said that she is willing to gift her the 5% deposit required for the "help to buy" scheme to enable us to get a mortgage, instead of getting it...

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Mortgage overpayments - pays off Capital?

Hi all, im looking at buying a place with a view to overpaying the £1500 pm mortgage by an extra £300 pm (the max allowed). Does the extra repay the Capital or interest as well?

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change of title deeds.

Guys- Quick question as i'm fed up talking to my conveyancer and my lender to which i'm getting conflicting advice. I have joint mortgage with my wife. Can i change the house to her name only whilst...

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Paying off CC before mortgage application

Hi there, just after some advice really. I'm hopefully going to be moving soon, porting my current mortgage and raising some extra borrowing on top. I have an outstanding credit card debt of £5k...

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advice on hopefully becoming a landlord!

I'm currently renting am and 27 years old. I have saved £50,000. I wish to buy somewhere to live and get myself an investment property. I would like some advice on how to best wisely spend my money -...

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Overpayment Vs Capital repayment

Hi all, I have searched this and it has been covered before but I'm still unsure what is best for me so hoping for some advice! Currently have a Coventry BS mortgage which is 0.75% above base rate, so...

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itl mortgages

can any one help with this company or had dealings with them i have a repossesion notice on the house and they have tried to evict me numerous times i have an interest only mortgage with them and the...

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