Teachers' Building Society?
My husband and I are currently waiting on a mortgage decision from TBS for 90% of the value of a new build. We're putting in 5% & so are the builders. Does anyone have any knowledge or experience...
View Articleadvice on mortgage app with past credit problem
hi, has anyone got advice for my partner and myself, heres the facts- My partner, soon to be hubby and i are wanting to to buy a house together, but he has past credit problems. Basically, he divorced...
View Articlehow can i do this?
Quick facts House price (accepted offer) £370k Due to last minute hiccup my mortgage offer of £127k is now not enough, I recon I need at least £145k. Any ideas? I earn £28k the rest was a cash deposit...
View ArticleHow would you define 'high credit score'?
I've been reading around, trying to get an understanding of credit scores etc for a mortgage application. I made an earlier post about what i am hoping to borrow. I have poured over my experian,...
View ArticleVirgin Money cancelled my mortgage offer, help!
So i went through the whole process with Virgin and they offered me a mortgage, all in writting, 3mth shelf life. Then i pulled out of house because it had retention attached and was going to take too...
View ArticleHelp to Buy for directors
I run my own business with my wife, which we've been building over the last few years and this year looks like we'll actually have decent enough accounts to get a mortgage. We're private tenants having...
View Articleborrow on mortgage or loan?
hi ,im going to build an extension on my house. i need 15k would i be best borrowing more on my mortgage or getting a personal loan? would be happy to pay it off in 5 years and imagine putting it on...
View ArticleSantander mortgage shocker! Advice or similar experiences wanted please.
Hi, I have a Santander mortgage which started in Jul 10 on a fixed rate deal for 4 years. Early last year my partner moved in and allowed me the fortunate position of paying off a large chunk of the...
View Articlemortgage offer with inaccurate tax credits?
Hi, My brain is melting with this, if someone could help i'd appreciate it. We have an appointment tomorrow with the MA at halifax to finalise our mortgage application. Due to a long period of illness...
View ArticleRenewal time...
Hi, not been on this part if the forum before, hopefully I'm not asking a stupid question....:) Our mortgage is up for renewal at the end the end of the month, and we've done nothing about it yet!!...
View ArticleIs it possible to have 2 mortgages for a short time?
Hi My boyfriend and I have made an offer on a house. It's not been accepted yet but the seller has come back with a question about the dates. They want everything tied up ASAP but we still have a flat...
View Articleend of 2-yr fixed rate - new deal checks?
My 2-yr fixed rate with Halifax will end mid next year. Current LTV is around 80%. If I decide to stay with them, will they run affordability and credit checks if I switch to a new fix term deal? Also,...
View Articlenon standard mortgages
Is there any recommendations on how to go about getting an unusual mortgage? I want to buy a house that is non standard (airey) and then straight away rebuild (to the prc repair spec) this will...
View Articlebuy to let mortgage query
Hi Last year me and a friend purchased a buy to let property which we currently let. I am relocating so am wanting the said friend to buy me out. We are stuck on a fixed rate until September this year....
View ArticleMortgage application for Agency or Limited
Hi all. Absolutely love these forums - a hive of such valuable information. I've been agency worker for the past 7 years through the PAYE system. I'm about to take a new contract on, this time for 13...
View ArticleMortgages for Social Homebuy Scheme
Hi all, We are in the process of buying a 100% share of the Housing Association flat that we currently live in through the Social Homebuy Scheme and wanted to share our experience so far. It is...
View ArticleRemortgage and valuation?
Hi all I'm sorry if this question has already been answered somewhere. I have a mortgate with Santander, the current deal ends in July, so I'm starting to look for new deals. I've spoken to someone at...
View ArticleGetting a mortgage with overdraft & credit card
Hi there, First time buyer with some queries. Basically my boyfriend and I are wanting to buy a house and are just going through the mortgage application. He is a saint with his current account, credit...
View ArticleChanging from an interest only to repayment mortgage
Hi, Currently I have an interest only mortgage with my ex wife. I am looking to get my ex off the mortgage( we have agreed a price) and get my girlfriend onto the morgage. But I also want to change to...
View ArticlePurchase process timeline - no mortgage
Hello, If you were buying a property outright, roughly how long would it take from offer acceptance to contract exchange? Thank you.
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