Reclaiming mis-sold bank approved house survey
With our current mortgage provider a requirement was to have a survey completed. We had arranged for an independent to do this however the Halifax told us it had to be one of their approved surveyors....
View ArticleBlemain finance - who are they?
I have just received a letter addressed to both my husband and myself from blemain finance stating that we have made an overpayment and asking for our bank details to refund us. Having taken account of...
View ArticleMortgage providers that allow Borrow Back?
Hi Im looking for a mortgage that allows over payments and borrow back. Can anyone please recommend a good place to start? Most of the offset products seem quite high rates, and i'm looking for 85%...
View ArticlePost Graduate Student Mortgage
Hi, My daughter (a post graduate student) would like to buy the flat she is currently renting from her older sister. Her older sister wants to sell the flat, so is looking to do a deal that will suit...
View ArticleSourcing deposit - dodgy?
Greetings all, Does this method of sourcing a deposit for a mortgage sound dodgy/illegal? Employer lends my parent money via beneficial loan, repayable on death. (Is this possible?) Parent gifts me the...
View ArticleSpec me a mortgage
Hello All, It seems like rocket science to find a mortgage comparison site that shows the arrangement/booking fees upfront. They all seem to say £0 booking fee then when you read the small print it...
View Articlehow do lenders calculate the capital and interest on monthly payments?
I've been looking for re-mortgage deals on a fixed repayment. During my search I've got lots of key fact information from lenders which show monthly payments. On these repayment mortgages how do...
View ArticleMortgage Deposit Savings
Hello :) I'm after a little advice on savings for a deposit on a house. All my savings are currently in Nationwide. I have £24k in an older issue ISA at 3.10% which lasts till Oct 2013 I believe (which...
View Articleold endowment mortgage
can I claim for a miss sold endowment that I changed back in the late 90s. I was sold the policy in 1994, and it seems that endowments were already on the decline then. seems to me I paid five years of...
View ArticleRemortgage LTV rates
Hi, We paid £192k (£28k below asking price) 18 months ago and put down a 20% deposit, so LTV of 80%. We are now looking at Remortgaging To a new lender With an LTV Of 70%, Will the new lender value the...
View ArticleCharging orders on shared ownership houses
Dear all I'm not sure if this is the right place, but can a credit card co put a charging order on a shared ownership property 70/30 if both parties are not at the hearing on the court day? Many thanks...
View ArticleRe-mortgaging for the first time!
I am hoping that you lovely peeps might be able to help me understand better my situation so we'll make the best decision. I apologise if this situation had been answered before but I could not find it...
View ArticleRemortgage-(Ex-moved out) Single Application
Hi, Thank you in advance. Can't get my "head" round this. But think it can be done?? Ex moved out a while ago. House worth approx £130.000. Mortgage in JOINT names. I'm still paying. (Outstanding...
View ArticleLetter from NRAM
Hi have recieved a letter from my mortgage company NRAM today I will type as what it says in the letter. We have recently reviewed the communications that have been sent to customers holding unsecured...
View ArticleFirst Time Buyer
Hi Guys, Currently have a 10% (£15,500) deposit for a property of £155,000. One of us has a payment plan / arrangement to pay on credit history (within last 2 years - now settled) although no payments...
View ArticleAdditional lending to help buy a second property?
Hi all, A bungalow a few doors up from my house has come up for sale and my mum & stepfather who currently live approx 30 mins away from me are interested in buying it to move nearer to us. They...
View ArticleBTL mortgage v Cash Question
In buying a property for BTL I have two choices 1. buy for cash and mortgage later 2. mortgage now I would rather get a mortgage now than wait. I have had an AIP and although my credit score is...
View ArticleNo results on Moneysupermarket!?!?
Myself and Husband are first time buyers and have found a house we would like. I have filled in the online comparison form on Moneysupermarket.com but it says no results based on my criteria. I am...
View Articlenew mortgage query
Hi can anyone help, i sold my last house and have been staying with family. I have £90000 deposit, am self employed - income average over 4years is £21000. My wife works on bank staff but has been...
View ArticleLifetime tracker offsets
Hi all, Looking for advice on a mortgage. I'm buying a house, and I'm looking for a lifetime tracker offset mortgage. (having done my sums, I'm pretty sure an offset mortgage is worth it for me.) I'm...
View Article