Applying for a credit card 2 months before mortgage application
Hi, I am looking for some advice. I am planning on applying for a mortgage in 2-3 months. I ave not previously had much credit, but what I have has always been paid on time. Whils I have been saving...
View ArticleWhere to put my extra savings please?
Hi, :) Hope someone can help!!! I have just got a new mortgage which only allows overpayments of 500 per month in the first two years (two year fixed.) This poses a problem to me because I want to...
View Article'Free' Independent Mortgage Advice
Hi, We are in the early stages of re-mortgaging due to potentially moving house. I checked the best deals for our LTV via comparison sites and lined up a few appointments, one of which was with Nottm...
View Articleabbey/santander cap margin
:mad::mad: hello I got a mortgage in Dec 2006 this was on a fixed rate for 5 years it then went on to the svr after this. I got a letter this morning and it gave a leaflet saying what mortgage...
View ArticlePorting my NRAM mortgage??
Does anyone have any experience of porting their NRAM Together Mortgage? I'm considering downsizing our beloved home to reduce our montly outgoings. We currently have a Together Mortgage with NRAM with...
View ArticleNorthern Rock Secured Loan - Interest Payments
Ok guys so I'll be the first to admit over recent years due to illness, divorce and some denial I haven't always kept up with knowing my finances. I am almost debt free now :j and it is time to...
View ArticleMonthly interest question
Hi people I just checked my online banking (Halifax) and noticed my mortgage interest that they add on at the end of every calender month was over a £100 more this month than last month? I'm on a fixed...
View ArticleNewcastle Building society - slowest mortgage offer in history?
its been 8 weeks now and still in the underwriting process....what kind of systems do they use? coal powered? (ohh...forgot, closed all the mines!!) this is so frustrating when you see nationwide...
View ArticleFTBs need advice
Me and my OH have just put in an offer on a house, we have had a meeting with our mortgage broker and our offer in principle is on the way. But we need a solicitor. Do we get one now, or when a house...
View ArticleSelling endowment
Hi - I sold an endowment by auction but by mistake the reserve price I had provided was lower than I intended. I know that there is usually a cooling off period for buyers but does anyone know if there...
View ArticleInterest Only mortgage overpaying?
We have read the article about the interest only timebomb and have a question regarding our situation. Firstly we own a property in Germany which, depending on when we sell it, will go a long way to...
View ArticleCan I get a mortgage?
Hi and TIA for reading... I want to purchase a house with my hubby for £440,000 We have just over £100,000 equity in our current home. The government will loan us 20% on our purchase as it is a new...
View ArticleNationwide Mortgage DIP referred to underwriter - Chance of Success?
Hi there money saving peeps, I'm hoping for some advice about my referred DIP (decision in principle) with Nationwide. I bank with them, have a Save to Buy account and have just opened a new ISA. I...
View Articlemortgage and valuation has been blocked by vendor
Help! I was under the impression from agency and mortgage broker that the mortgage application was going well. Until today when I called up the valuation surveyors to find out when I was receiving a...
View ArticleWell Done Natwest
Natwest mortgage application posted on Monday, phone call on Wednesday to offer us a mortgage. I was panacking as we had some credit card debt which we paid off the day before application and an...
View ArticleCan I get a mortgage with poor credit history?
Hi I've never had a mortgage before and am looking to buy my first house hopefully next year, i should have around £10000 for a deposit by then but as my credit history isn't the best will i be...
View ArticleAm I considered a FTB?
I have been shopping around for mortgages and confused by Halifax website on what the consider a FTB. Most banks I've looked at consider you a FTB if you have not owned a property for 3 years. Halifax...
View ArticleCrunching the numbers for my first flat, under shared ownership. Good deal?
Hi, I am 27 and it looks like I'm about to buy my first property - a two-bedroom apartment in Cambridge - under shared ownership. I'd like to double-check how sensible a proposition it looks with you...
View ArticleRemortgaging after /Separation/Divorce
My wife are I are separated and now have an agreement in principle to divide our assets. We are about to draw up a consent order and start divorce proceedings. We have 3 properties all in joint names....
View ArticleMortgages for over 65s - is it possible
Am enquiring for my dad who is 65 -bascially our old family home came up for sale at 60K. There is only a brief window of opportunity to buy it. Between my father and I we could afford a 20% deposit....
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