Remortgage
Can anyone tell me we paid stamp duty on our property even though it was a remortgage (the property was in our name ) I have been told that we should not of had to pay it is this right please help !
View ArticleMortgage options/chances with these late payments on file
Hi these are embarrassing to admit as I fully accept how bad they look but just wondered if anyone could tell if our chances of a mortgage are next to none with this on my file. 2011 010120100010 2010...
View Articleage 75+ mortgages
Anyone know if its possible for my 77 year old father to (a) take out an interest only 33% LTV mortgage, if so (b) any lenders willing to do this ...
View ArticleStruggling to get a mortgage
Hi, I'm pretty much at the end of the road with regards trying to get a mortgage approval, so this is my last hope - so apologies in advance for the long winded story. I have a house valued at £75,000...
View Articlenon appearance of lloyds current account on credit file
Dear Moneysavers, I am currently trying to maximise my credit score in order to get a mortgage. However, It has taken Experian 3 months to find my Lloyds tsb current account because of the way Lloyds...
View Articleremortgaging???
This may seem a very daft question. But if i remortgage with another provider is it the same as starting a new mortgage with that company? Or do they just takeover like switching energy providers. ie:...
View ArticleCashing in endowment to pay off mortgage early???
Hi, I'm hoping that someone can offer my some advice please. I took out a 25 year interest only mortgage with the Bank of Scotland 21 years ago for the sum of £32,000. I have an endowment for the same...
View ArticleHelp to buy and Halifax issues
Hi, recently applied for an AIP from Halifax and was declined on the new help to buy scheme. After changing broker and explaining things he asked the underwriters to look at it manually, they stated...
View ArticleSurvey states new build, loop hole?
I am a 1st time buyer and have recently started to purchase a 1930s maisonette. We started to get our mortgage together and got to the point of having the mortgage valuation survey done. It came back...
View ArticleI need your mortgage help, I'm trapped :(
Hi guys, long time reader of the forums, but now have a problem I have to ask for your help with: I purchased my house with my ex partner 6 years ago. We separated a few years in to that and she left...
View ArticleHalifax mortgage gone up 4p for no good reason
I've received a letter from halifax dated March 2013 detailing changes to a 'different mortgage system'. It does mention that the mortgage may be made up of 'sub-accounts'. The detailed statement does...
View ArticleMortgage with Critical Illness
Hi I haven't been on here a while but I really need some advice! Last week I was diagnosed with Breast Cancer, although I will receive sick pay from the company I work for for so many weeks I know it...
View Articletransfer of equity - how long does it take?
How long does it usually take for a transfer of equity to be processed, once the consent to transfer mortgage letter was issued by the bank, and sent to the solicitor? This is to remove my former...
View ArticlePay off or continue saving?
Hi all MSE'ers Situation: Joint mortgage, both 20% tax payers £135,000 house, built 2010 5% deposit = £6,750 20% 0% builder loan (new build) = £27,000, repayable in full 01/03/2020 40 year 75% mortgage...
View ArticleBorrowing deposit money from family and friends for Mortgage
Hi We are planning to buy a house and want to make a deposit. Family members (brother and cousin) and friends have agreed to help us and lend money interest free. Will that lead to any complications or...
View ArticleHelp to Buy Scheme questions
I've been looking into this and I'm a little confused on the setup. My situation at the moment is that I'm looking at a £100k house Now looking into the help to buy scheme, it states that they will...
View Articlecouple of questions about lloyds tsb mortgage
hi i have a few questions i would like peoples opinions on... i have been reassured all is fine by lloyds MA and also husband and solicitors, but info i read here conflicts with what i've been told. we...
View ArticleDeposit saving advice
Not sure if anyone can help here. We are saving to buy late this year/early next. We can put away £900-£1,000 per month towards a deposit - BUT ...up to now we have been using that cash to pay off our...
View Articleadvice poor credit and a mortgage needed
my partner has a poor credit score (in the red) and we want to buy a house that's 120,000 we have about 15% deposit .... where struggling to get anywhere ..... her report isn't to bad not ccjs or...
View Article2nd charge against my property
All, My partner has a 2nd charge against my property. Can she force me to sell it in order to liquidate her investment or does she have to wait until i wish to sell it. Any thouhgts, help or advice. TJ
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