What to worry about now...?
Hi all, Thanks all for your advice on a previous thread - that particular worry is now sorted as credit history is now showing 'good'. Not that that stops me worrying entirely about our mortgage...
View ArticleMortgage in a sole name after split but deeds still in joint?
Hey, just wanted some advice please, as I can't get a straight answer from land registry, solicitors/conveyancers or even through search engines. I split up with my ex nearly a year ago and left a...
View ArticleWhat are chances???
Is there any chance of getting a mortgage for £80,000 house, only earning 15/16K a year. I have £12,000 to £18000 deposit (If i sell a few shares). So i would need to borrow between £62k-£88K.
View ArticleWhich should I pay off - repayment mortgage or interest only (endowment)
Hi Hoping someone can offer me some advice please. I am in the fortunate position whereby next May 2014 I will be given £35k. My mortgage is made up of £35.900 repayment and £40K endowment/interest...
View ArticleLevel of upfront cash needed for a self build project
Hi - I am considering a self build project. I have found a plot of land and think I could get it for around £145k. The build cost would be roughly £200k taking overall project cost to c£345k. What I am...
View ArticleDeclined by Halifax
Hi everyone, I'm new to this so please go easy on me. Husband and I would like to move house, we have approx £50k equity in our present home, a mortgage of £110 outstanding and would like to purchase a...
View ArticlePrevious Addresses
Hello, I'm new here but my Mum is a huge fan of MSE. I am looking to arrange a mortgage. I'm a FTB with 25% deposit. My credit history is fine, but I have a problem. I've always kept my bank accounts,...
View Articletips a problem when qualifying?
I need some advice on how to apply for a mortgage through a mortgage broker, preferably advice from a broker here. I am a first time buyer looking for a UK residential mortgage. I work abroad and get...
View ArticleResidential or Buy to Let?
I am looking to buy my first home in the next few months. I have unusual circumstances though. I work abroad and I want to buy a place for myself however if I get sent away for longer periods due to...
View ArticleIncome in Tips
I need some advice on how to apply for a mortgage through a mortgage broker, preferably advice from a broker here. I am a first time buyer looking for a UK residential mortgage. I work abroad and get...
View ArticleConsent to Let
Does anyone know anything about applying for consent to let on an existing residential mortgage? I would like to know how long you have to have had the mortgage before most lenders if any allow this. I...
View Articlepay off mortgage or not
Hi I have a fixed mortgage for another 2 years to run until end of that deal. I have about £110000 left to pay with payments of £723 a month. There is an early repayment clause which amounts to about...
View Articlenervous waiting for underwriters
I'm porting £63000 and taking extra borrowing of £28000 so that we can hopefully move house. LTV 39 %. Banked with Natwest for 30 years have our current mortgage with them and have applied to them,...
View ArticleNationwide - end of fixed rate query on valuation
Hi All I'm coming to the end of my Nationwide fixed rate and looking to take up a new fixed with them. I have looked to do this online but when I did the automated valuation figure is well off. I have...
View Articleoffset interest free - any others except 1st Direct
Hi I'd like an offset, interest only mortgage. I know 1st Direct do them but I'm not lucky enough to earn 50Kpa so don't qualify. Does anyone know if there are any others on the market? I need to...
View ArticleX to force sale of house in 14 days HELP
We both went BR over 3 years ago and split agreement was made and for me to keep the house now found neg equity and X wont pay 50% so now wants to court order me in 14 days to force sale or X will hand...
View ArticleConsidering moving house, but not sure what we might be able to borrow
Hi there, I wonder if anyone with experience in this arena can help: We are wanting to move house and buy something around £170-180k. We will have a 15-20% deposit (about 27-28k), so looking to borrow...
View ArticleBigger House
I am looking to buy a bigger/more expensive house. I still owe around 80k on my place (worth approx 140k in todays market). I have 12 years to go. Based on buying a new place at approx 250k, if I keep...
View ArticleTransfer
Can I simply transfer my mortgage to a right to buy without selling my house. And how simply is it to do
View ArticlePip
I have half endowment half repayment on my current mortgage with a cash flow account what happens if I can't pay off the cash flow part and can I claim ppi on a mortgage
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