Prove pay rise before new payslip
Hi, quick question. FTB applying for a mtg. Broker's gone all quiet on me so was hoping someone here may know answer. Background: Applied to one lender for 90% LTV but they are being really awkward and...
View ArticleAdditional Borrowing on a Consent to Let
Hi all, Due to my partner being in the military and posted in the south coast my London property is rented out on a residential mortgage with consent to let given. We have bought a second property in...
View ArticleRemortgage Survey - Quick qu
Hi, I am remortgaging my property to get a cheaper deal. The West Brom have covered the cost of a homebuyers report (i went for this option to ensure i dont get a drive by valuation as i paid very low...
View ArticleMortgage - additional borrowing - same lender?
I suppose you'd have to really but, am I right in saying that, unless you move the whole lot, any additional borrowing has to be with the same lender? i.e. You can't have £100K on your main mortgage,...
View ArticleTypical deposit needed for 'bad credit' mortgage.
Hi all, We are seeing a mortgage advisor on Thursday and getting the bf's experian reports tonight to take with us, however impatient me is looking for a bit of info prior to this - In summary we are...
View ArticleMortgage for commercial property
I am a childminder and have just been informed by my current mortgage lender that they won't lend us money anymore because it is now classed as a commercial property because of my job???? This was not...
View ArticleMortgage- Partly Commission Based Income & Foreign Wife :-S
I'm in a sticky situation with my mortgage application that I could use some help with. Firstly somethings that are working in my favour and I'm really fortunate to have. Both my wife and I have...
View ArticleHalifax offer letter
Hi,I was wondering if anyone knows from being told from the broker that halifax have offered the mortgage and a letter will be out in the post to getting the letter in my hands,we got told late last...
View ArticleA Nationwide Nightmare!!
Hi there, About 2 months ago my wife and I spoke to an independent financial advisor friend of mine who suggested we could be saving money on our £90k mortgage as we are looking to borrow an extra £30k...
View ArticleAnnual salary - student loan deductions
Do I need to give my annual salary net of student loan deductions? I don't want the application to "pass" on affordability and then, when I've sent in my pay slips, find it fails because of the monthly...
View ArticleHow long do i need to work before i can apply for a mortgage?
Hi All, I have a query that I would really appreciate if anyone could answer. I was in continuous employment for 3 years up until recently. I have been unemployed for 3/4 months but start work soon on...
View ArticleQuestion for mortgage advisors
Hi Thanks for taking the time to read my question. After financial difficulties, I am well on the way to recovering my finances and improving my credit worthiness. At the moment I have a few credit...
View ArticleHelp to Buy (Mortgage Guarantee Scheme)
Hi, If for example i wanted to purchase a property in January (when this scheme goes live), for 100k and i put down the 5% deposit of 5k, would i have to secure a mortgage for 95k or would the 15%...
View ArticleSelling or Transferring joint mortgage
Apologies, I know this subject has been covered in other posts, but I can't find any which match my situation closely enough... I'm gearing up to move out of a house I bought with my brother 5 years...
View ArticleConflicting Information on getting a Mortgage after paying off our DAS
Hi there My husband and I are currently paying our debts back through the Debt Arrangement Scheme in Scotland (DAS) which we have been doing so for a couple of years - we currently have about another...
View ArticleChange of name on deeds and mortgage
Hello, I wonder if any of you can help me. Me and my partner have lived in "our" house for 26 months now, we are just about to remortgage. When we bought the house I had a poor credit rating, so it was...
View ArticleQuick question
Overpaid some of my mortgage the other day and received a letter from mortgage provider today saying as I've overpaid they have reduced my monthly payment to keep the same length mortgage term. I need...
View ArticleUnusual Remortgage - any issues around tax?
Hi all, long time lurker, new poster here. Hopefully someone can advise. I'm about to carry out a rather unusual remortgage. Nearly 5 years ago my father lent us the money to buy our house to help us...
View ArticleRepayment Mortgage and DTA
If I make a lump sum payment to reduce my repayment mortgage by say 10%. Does anyone know if I should contact my Decreasing Term Assurance provider to see if my payment will be reduced as they are now...
View ArticleFirst Time Buyer Advice - Help to Buy Scheme
Hello, With the new Budget 2013, I'm aware that the government has launched a Help To Buy Scheme. To those that do not know what is it: "The Government will provide buyers with an equity loan of up to...
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