Mortgage Plan Check Please
Hello Mortgage experts... Just wanted to sanity check my current plan with the mortgage experts on here, just to make sure I'm heading in the right direction... I'm currently with HSBC on a tracker...
View ArticleNationwide Mortgage / Valuation
Hi, I'm currently re-mortgaging and going for a 80% LTV mortgage with Nationwide. I've been accepted but its all subject to valuation. My query is simple, if they down value, can they switch my...
View ArticleIs it safe to apply for a personal loan before completion?
Hi All, Just a quick one really; any help and advice would be really greatly appreciated! We have just (yesterday) been offered a mortgage for a new build from Nationwide (we are so pleased), we are...
View ArticleSecond Charge?
We want to protect the cash gift we are giving our son to buy his first flat. I understood that a second charge (after the mortgage lender) would ensure that the cash balance of any sale could not be...
View ArticleRe-valuation time-scale?
Ok, so how long is a piece of string...? No, really. Our new Solicitor via our Broker forwarded a written request to The Woolwich 16 days ago asking them to re-value the house we are hoping to buy from...
View ArticleNationwide... a little advice if anyone has time.
Hi, have submitted my application and the only thing they have requested is my proof of deposit, which i have sent over to them. wouldn't they need more info?? i already hold a mortgage with them, but...
View ArticleHalifax 1% Stamp Duty Cashback
Anyone applied for a Halifax product in the last few days? Check the new products. If you are buying for between £125k and £250k the products now include a cashback to repay your stamp duty. Did a...
View Articlelender's survey supports valuation / our HB survey suggests a prob - what...
Hi there Sorry this is a bit long I hope this is the right place to ask as it's a question in principle about the mortgage process & there seem to be people posting on here who can answer from the...
View Article90-95% LTV mortgage with missed payments
Hi everyone I have a question regarding the likelihood of getting a 95% LTV mortgage. OH and myself have been saving for a while and are hoping to buy this year with Nationwide Save to Buy due to cash...
View ArticleMortgage App. Halifax
Hi All Me and my partner have applied for a Mortgage with the Halifax requesting a 33% mortgage (we have a large cash deposit, 67%) Main problem being I have two satisfied defaults. One Dec 2009 and...
View ArticleHalifax fixed rate mortgage
Hi, Just wondering if anyone has heard of this situation before. One year ago took out, a 2 year long fixed rate mortgage with Halifax. All was well for the first year (no payments late or missed etc)...
View ArticleLinked to my ex with HSBC mortgage on Credit Report
Hi I'm wondering if anyone can give me any advice. I split from my ex over 4.5 years ago now. We bought a house together in 2006 with a HSBC mortgage, fixed for 5 years. The split was as amicable as it...
View ArticleDoes this make financial sense?!
Current mortgage is £119,207 looking to pay 10% without penalty to £107,286. It is interest only @ 5.09% 7 years remaining of a 10 year fix. Would I be an imbecile to pay the 6% penalty on the balance...
View ArticleConveyancing - what do I have to do...??
Approval from Nationwide today - whoooooooooooo!!! So next stage conveyancing, which is being done by a friend of ours. I don't really "get" what is so complicated about conveyancing, but at this stage...
View ArticleLet to buy- where do I begin?
Good afternoon all, Can anybody give me any advice on Let to Buy? I understand (more or less) how it works, and we are definitely in the position where we have a house that would be easily rentable, we...
View ArticleMortgage on property that my parents live in
I recently bought my parents' house (they still live in it and don't pay any rent) and lately I re-mortgaged with Santander through an IFA. My IFA arranged everything and all documentation was sent to...
View ArticleCredit Rating Returned DD
My partner and I noticed that we had frequent returned DD coming off our joint account (thanks to not paying enough attention). These missed payments would be settled within the same statement, but I...
View ArticleHelp! Cant get a mortgage because of tenants
Hi all. I'm having a nightmare at the minute trying to get a mortgage. I am trying to go onto my wife's mortgage & consolidate the unsecured debt we have. The problem I'm having is that I had a...
View ArticleIf I pay off my mortgage will it affect me if I want another mortgage in the...
I have enough savings to clear my mortgage. However I am expecting to buy another house in around 5 - 10 years time. If I clear my mortgage now will it effect my credit rating when I apply for a new...
View ArticleCredit Reports
Hi All, Just been turned down by First Direct today for a mortgage & need to get hold of my credit reports. I have my Noddle one but I had a free trail for Experian & Equifax at the beginning...
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