Vodafone default - please advise
I had a look at my Experian and Equifax credit reports and noticed a default on an old Vodafone account. The default is from December 2008 and is for about £110. I didnt know that there was a default...
View ArticleEsurv Mortgage Valuation Nightmare
Hello all, Our house valuation nightmare began a number of months ago on a property we were looking to purchase in Weybridge. We intially looked to port our mortgage through our current provider...
View ArticleFirst Post - Mortgage advice/guidance needed please.
First of all Hello all :D, This is my first post on the forum, my names Tommy. I hope some of you can help me. I have browsed sections of the forum in the past but have decided to join the forum in the...
View ArticleHelp to buy advice needed
Hi, i'm hoping someone could advise me on my families current situation. Sorry if i go on a bit but i have so much going on that i appreciate being able to put it on here for some advice. We have found...
View Articleshould i apply for mortgage yet? no formal acceptance!
Have agreed price with seller verbally, got solicitor to make formal offer on friday but still not heard anything. worried about mortgage approval (neglected to get mortgage in principle) **so want to...
View ArticleBuy to Let options?
Hi, I have two houses one in which I live and the other is let. They are both mortgage free and I would like some advice on the best way to borrow to but another house to let. I am retired and the idea...
View ArticleNationwide self-employed income figures??
Hi I would really like to port my existing Nationwide mortgage due to the v low rate it's on however I'm not sure if we will pass the affordability bit. I am now self-employed, working as a contractor...
View ArticleBody blow over mortgage
I have 15k deposit and was looking for houses for 80k or less in my area. So i need to borrow £60-65K the only trouble is i only earn 17K a year, but do have 3 small children and get work/child tax...
View ArticleRe mortgage advice
Hi I have a mortgage with the Halifax with a balance of just under £52,000. The interest rate is their standard variable of 3.99%. My mortgage is a part and part mortgage. £29,000 endowment which is...
View ArticleFTB - please help! Solicitors / DIPs and lease extensions!
Hi guys, I've seen a property I like with a way too short lease and the estate agents have said that the owner is willing to incorporate them extending the lease in the deal (I've made it clear I'm not...
View Article1 time overdrawn can I still apply
I am hopefully applying for a mortgage in 2 weeks with my wife. Finally all credit reports and finances are squeeky clean. Except on the 25th of march I accidentally used my wife's bank card instead of...
View ArticleUK Mortgage for Irish Resident
Hi Can anyone help here my work colleague , works in Uk and stays week days in UK but is paid from Ireland is looking for a mortgage in the UK . The 1st lender was looking for NI number and also having...
View ArticleRentention
Just had mortgage valuation back. NW want to retain £1000 for a damp chimney. This is on LTV of 36%! I understand I would have to get a professional in to sort the damp. Do I have to get the work done?...
View Articlesantander
well where do i start ,18 months ago we purchased an old cottage for £95000,we managed to get a mortgage with santander but put £35000 deposit ,then 3 months later borrowed a further £15000 ,then a...
View ArticleHomemover DIP Halifax
Just got a DIP with the halifax, I already have a mortgage with them and would like to move up the property ladder. My first call to the Hailfax for years and know lots of problems that people have...
View ArticleOverpayments
Hi, I'm looking for some advice on mortgage overpayment. I currently have a 75% interest only mortgage and I am not sure where to direct the overpayments. I think I should pay off the loan amount...
View ArticleHow good is nationwide DIP
Does anyone know how good Nationwide DIP is? I know a DIP from Halifax can still leave question marks.
View ArticlePorting mortgage
I currently have a lifetime tracker mortgage with Woolwich which is + 0.14 % above base rate = 0.64%, which obviously I want to keep. The mortgage is portable and originally was for £130k, I have...
View Article90% Offset - Which product
I am an employee, partner is self employed and been trading since Aug 11, so not quite 2 years but 2 sets of accounts, accountant can also provide projection for next year. We want an offset mortgage,...
View ArticleHer 2nd Time Mortgage, my 1st Time Mortgage...
Hi all, I am in the process of trying my very best to understand mortgages as I have never been on the housing ladder before. Basically; I (him) currently rent and have no deposit and no capital at...
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