Halifax Valuation
Hi everyone, first post so apologies if I have the wromg forum :) We have just paid for a valuation as part of our mortgage application, and the valuer has stated that they cannot offer a valuation...
View ArticleHalifax mortgage
Hi everyone, Me & my partner went though a broker to get our mortgage, as I have a default on my file from a few years ago (mobile phone). She potentially can get us a good rate with Halifax fixed...
View Article1st Time Buyer (in 2014) advice
Hello, my wife and I are starting to think about buying a house. It'll be our first house purchase, having rented previously. We're targeting half 1, 2014 - I know it's a little way away still, but...
View ArticleBuy to Let Mortgage - salary shortfall
Hello Does anyone know of a mortgage lender that offers buy-to-let mortgages but is flexible regarding the level of applicants salary? Property value is £100,000 approx, deposit saved is £25,000. But...
View Articlemortgage repayment query
hi i have been making some overpayments when i can on my mortgage which is only 1 year into 25 year term. I was browsing the net and found following quote from a website. "If you have a repayment...
View ArticleCredit Card Debt and Mortgage Application
Hoping that somebody knows about this - we are looking to buy our first flat together, it will be a joint purchase so I think both names need to be on the mortgage. I am now self employed and will only...
View ArticleHelp to Buy with Default???
Hi everyone, especially you brokers:) Quick question, Do the help to buy lenders consider people with defaults? More info if needed. 4 y/o satisfied default for £700. We should have about £30k equity...
View ArticleMortgage question
I've got a repayment mortgage with HBOS and just wondered if I went to the bank and said, "I'd like to increase my mortgage term in order to reduce my monthly repayment amount". Is that something that...
View ArticleNo communication after offer
Hi all, This is my first time posting and first time house buying too so please excuse my ignorance! We made an offer on a property in Yorkshire on Monday (the bank holiday) and I still haven't heard...
View ArticleBritannia mortgage for tenement in Scotland
Hello, Trying to get a mortgage from Britannia for purchase of a traditional tenement flat in Edinburgh. I've previously had a Britannia mortgage for an Edinburgh flat, although it was a warehouse...
View ArticleNewbury Building Society
Hi, Applying for a mortgage on shared ownership, through a broker and he has stated this should be our preferred lender. He is whole of market etc, and everything seems fine. Has anyone had any dealing...
View ArticleMortgage Arrangemtn Fee Question?
Hi, I have a question regarding mortgage arrangement fees. Say the fee is £995 and i add it to the loan. The mortgage is a fixed rate for 5 years and the term of the mortgage is say 25 years. I assume...
View ArticleLegal Standing on Mortgage Transfer
Hello, Not sure if I a posting in the correct forum. Bare with me if not. We have a mortgage house where over the time, the mortgage has been in the name of different sibling. Before I moved out, it...
View ArticleMortgage offer received for too much
Hi all, I finally received the mortgage offer in writing today-yay! When I first applied for the mortgage, it was based on the price I was paying for the house, however we have since got the house...
View Articlemortage for putting two flats back to one house
Hi there, I am a first time buyer.I have 12% deposit. house price is £90K.a four bed Victorian terrace that is currently converted to two flats and registered as such.The structure appears untouched...
View ArticleMortgage offer accepted next step
I'm happy to say I had my mortgage offer accepted today from nationwide. Didn't take too long and went through an advisor. What exactly is the next step? I've been told they will be informing the...
View ArticleShould I pay off my mortgage or get an offset mortgage
Hi, I've recently come into some money which is more than enough to pay off my mortgage. I did a fixed rate for 10 years at 5.9% and still have 5 left so will have to pay £12k to get out of it. But I...
View ArticleMortgage Application Help - Default on Credit File
I want to start applying for a mortgage, but I have one default on my credit file of £34. This was due to me moving house and missing the demand for payment letters. I resolved this which is clearly...
View ArticleGifting deposit to OH - possible / issues?
Just wondering about the potential issues of helping my OH wit the deposit for a potential mortgage. We intend to live together, however as I am a student I will not be involved in the mortgage at all....
View Articledeciphering a valuation report???
in the section ESSENTIAL REPAIRS, it says: total estimated cost of essential repairs: £ WHOLE ADVANCE. what does whole advance mean??? also , for what purpose is the insurance reinstatement value put...
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