Missed payments on credit report over 4 years ago - problem at 95% LTV?
Hi everyone I posted this a while ago, but was hoping someone can give me some advice. I have a question regarding the likelihood of getting a 95% LTV mortgage. OH and myself have been saving for a...
View ArticleHalifax credit check
So my partner & i submitted our mortgage application on Saturday and straight away Halifax spammed her credit report with 5 searches on the same day. 4 say "Mortgage quotation" which didn't show...
View Articlehalifax full credit search doesnt show ??
Hi I had a dip and now passed the 2nd credit search according to my ~IFA~ but no search is showing on any of the 3 credit agencies the only search that shows is the the soft search from last week....
View ArticleStudent Loan
I am in a position where I will be applying for a mortgage soon. I have had one previously. When looking at affordibility calculators they ask about loans. Now I havent had a bank loan since October...
View ArticleQuestions regarding mortgage period?
Hello, was wondering if someone could answer a few questions I have regarding length of a mortgage. I am due to start a 25 year mortgage that is fixed for 2 years, after the two years are up can I...
View ArticleMortgage rate 4.3 percent and Halifax mortgage
Hello so I'm in the process of removing one single default that is on my credit file that has been resulted in me getting declined for a mortgage. Anyway, new buy agents said the rate will be fixed...
View ArticleMortgage transfer of equity failure not what?
Hi I posted on here before and got some very helpful advice regarding my predicament. Went to the halifax on friday they wouldnt allow the transfer of equity because of my debts but more because I had...
View ArticleHalifax Mortgage Application
We submitted our mortgage application on the 20th April. The survey on theproperty was done on the 30th and we got the report back the next day which isgreat. However, since then there has been no...
View ArticleMortgage question - Income help
Hello I don't really post on here tbh but I am looking for abit of advice please..., Mortgage income - Do they base your income on last years earning or the current year so for example last year my...
View Article(Yet another) FTB mortgage thread
Hi all :) Cash in hand now: £43k Salary: £46k Debt: None Credit score: (Literally) perfect I would like to buy a 250k house within 5 miles of Cambridge with a 40k deposit. I had planned to save up for...
View ArticleHalifax, TSB, Bank of Scotland? Are they offering bascially the same thing?
Hi All, I am a first time buyer and I have done a google search where I found Halifax, TSB and Bank of Scotland may offer some mortgages that I want. Question is: I clicked on mortgage button on 'Bank...
View ArticleBorrowing Advice
Me and my partner are first time buyers and we are currently looking at purchasing our first home. The area we are looking in has quite high prices and we are concerned about stretching ourselves. We...
View ArticleMortgage Broker Fees
Hi, I know this has probably been asked and answered a million times on here - but I thought I would put your brains to good use once again. We are arranging a Let to Buy mortgage so its not really...
View ArticleRe-Mortgages with defaults - current likelyhood
Hi, I'm looking for advice and any personal experience of re-mortgaging with defaults. I have around 13k in outstanding debts with 7 defaults which I'm paying back via payplan debt management. I'm in a...
View ArticleMortgage on my ex-wife's house
Good evening all, I have done a quick search and found answers to questions similar in vein to my own, but not quite exactly the information I'm after so I apologise if this thread seems familiar. My...
View ArticleAnother help to buy
Hi, does anyone know of the chances of getting a mortgage with the following lenders on the help to buy equity scheme: Halifax Woolwich These are the only 2 currently participating, my circumstances...
View ArticleCredit file, old repossesion and mortgage
Hi all I hope someone can help? I had a house repossesed back in 2008, and had a shortfall of £50k, but never heard anything regarding paying it back. Yet they were kept up to date with my addresses....
View Articlerepossession house advice
hi some advise would be greatly appreciated my partner and i are buying a new home its a repossession property, we paid for an in depth survey which flagged lots of damp probs, poss elec problems and...
View ArticleWoolwich "New Computer System"
Ok - the woes continue! Our mortgage "promise" expires on Monday, five weeks ago our solicitor sent paperwork to the Woolwich via L&C to re-value the house hope to buy (reduced not increased...
View ArticleNew Buy Mortgage
Hello, I'm interested in the new buy mortgage deal but really haven't been able to get to grips with what it entails and what I'll be paying back. I'm going through a divorce am 41 and have 2 kids...
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