Shared ownership and staircasing
I am looking at a shared ownership property, 70% share for £113k in an area I love. I like the flat but it needs a tiny bit of work - new carpets and the kitchen could do with updating. The flat is 15...
View ArticleRates seem very high?
Hi I am glad to announce I have just been approved for my mortgage.:j I just wondering can anybody advise me on the rates situation for my local council. The purchase price was £165k turnkey finish yet...
View ArticleNatwest help!!!
We currently have a mortgage with natwest and have just signed up to part ex on a new house. We called natwest to be told best option was to re fix what we currently owe as better rates. This would...
View ArticleAnother possible reason why I got declined for a mortgage
I just checked and halifax are part of LLyods banking group. When it comes to Llyods i believe I have a CPD (at what level I don't know) on my account which means for some products like loans and...
View ArticleAppoved mortgage with defaults.... Question????
Hi I am glad to announce I have just been approved for my mortgage.:j I had two defaults and my wife had one however there is hope for you all with the same problem as us. I just wondering can anybody...
View Articlehelp!!!
I am currently going through a divorce. My husband has agreed for me to keep the house if I can take on the mortgage. My problem is that although I can afford the repayments I am struggling to find a...
View ArticleMortgage, Post Divorce & Bad Credit
After being awarded the FMH & all equity in court, I decided to move somewhere smaller as I can only afford interest only payments on the mortgage. EH has to stay on mortgage until I move, and not...
View Articlebad credit.. mortgage or rent only option ?
Hi I'm looking for some advice. i'm 34. Because of my silly lifestyle I run up some credit card, loans and account debts. This has been going on a few yrs - payments through CCCS. this then somehow...
View ArticleContractor Mortgage ?
I keep coming across adverts online for "Contractor" mortgages, I thought it was next to impossible for the self-employed people these days to source mortgages without a long history of accounts. Or is...
View ArticleRemortgage question
Hi all, Sorry this has most likely been asked a good few times before! Basically - I had mortgage A which started late 2011 - fixed for 2 years. I then, with the same provider, took out another...
View ArticleEmployer charging a fee to provide a mortgage reference
Hi My wife's employer is refusing to provide a mortgage application reference unless she pays a £25 fee. Any thoughts on whether this is right/legal? Note, she works for the public sector. Kind regards.
View Article2nd mortgage advise
Hi I would like a little advise please , 2 years ago I got a mortgage with my ex partner , all in my name as her credit was crap , her family gave deposit , we split up and she lives there with my...
View ArticleReversing overpayments?
Hello, If I overpayed a mortgage by say £10k could I withdraw that £10k at any time I needed it? Or are overayments locked away once paid?
View ArticleHelp regarding endowement policy
Hi im new on here and need help with something:- in 1997 i was sold an endowement policy to use as a type of pension as i didnt have a mortgage at the time. I still do not have a mortgage and everytime...
View ArticleHow do lenders view bonuses, commission etc.
I am looking into applying for a joint mortgage with my partner in the next six months. Within the last year we have both got new jobs. Between us, on-top of our basic pay we now receive a monthly...
View ArticleHelp 2 Buy / completion question
HI, Im looking for some advice me and my girlfriend are looking to get a new build with the goverments help to buy scheme. The property wont be complete till December and we have been offered a...
View ArticleShred Ownership / Help to buy - which option.
Hi All, My partner and I are hoping to buy a prorty this year. I have a near perfect credit history my partner has 3 missed CC payments from last year and what looks like a default. :mad:. I earn £29k...
View ArticleOut of hours payments
Hi, Briefly, i work in criminal law and represent people detained in police custody. I get paid approx 15k annually on top of my salary for this work out of hours. The job is an essential service,...
View ArticleBuy-to-let mortgage. Really?
Hi, Bought and have lived in our family home for just over 7 years; now facing the prospect of having to rent it out or sell and move back with family. Surprised that when I contacted my existing...
View ArticleGuaranteed endowment payout - too good to be true?
Please can someone give me some expert advice? I bought my house in October 1989 supported by an endowment policy which I was mis-sold. I have gone through the lengthy process with my endowment...
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