mortgage lenders and estate disputes
we have been told our conveyancer that our mortgage lender won't give us the funds if there is an ongoing service charge dispute on the estate we're buying on?? basically there is a dispute between the...
View ArticleRe-mortgage while in fixed term?
Hi All, I'm looking for some quick advice regarding my fixed term mortgage. Current Situation: - 5 year fixed term mortgage at 4.39% - Outstanding balance: £109,375.45 - Flat value at purchase 2 years...
View ArticleMortgage advice
Hi please can I have you advice. We have a mortgage offer in place and have exchanged contracts we are due to complete on the 31st may 2013. Our mortgage is with RBS mortgages. I now have been offered...
View ArticleGetting my girlfriend on my mortgage.
I have a mortgage in my name only but I want to get my girlfriend on it. I know that you can use a solicitor to take someone's name off a mortgage but can I do the same to get my girlfriend on my...
View ArticleTenants in common and step/adult daughter
Not sure if this is the right forum for this question. I am wondering if I should go tenants in common with my husband on this house purchase. I want to make sure my daughter gets a percentage of the...
View ArticleMortgage chances after DMP?
Hi everyone. Bare with me as I am new to this, and new to my DMP. I have read these forums a lot before joining, and have seen lots of different answers to this question: What are my chances of getting...
View ArticleRelocating with negative equity
Hi, i'm looking for some advice. My job is relocating, forcing me to move house but my finances are in a mess. I am in a DMP so have several defaults from 2009 on my credit file. Plus I am in negative...
View ArticleJoint mortgage
Hi, Me and my finacee are looking to get a joint mortgage. She has a good credit history. I have 1 default from last June that was settled in September. In 2011 i quite a few pay day loans and i have...
View Articlegifted deposit halifax
hello all, this might seem a silly question but i am a first time buyer and i have my official mortgage offer in place-(the valuation also has been done) my parents want to gift me a deposit of £17000....
View ArticleGetting partners ex off the mortgage?
Hi, my fianc! and I live in together in the house he bought 4 years ago with his ex, owned 80% by my fianc! and 20% is hers. The house is in negative equity and she didn't put anything into the deposit...
View ArticleHelp!! Post office Mortgage unable to proceed
Hi everyone, I've applied for the post office mortgage last week with a 75% LTV fixed at 2.89% for 5 years. However, an officer just rang me to say that they are unable to proceed the application due...
View ArticleRemortgaging and equity release
I am due to do remortgage and I found it incredibly difficult to find an interest-only deal. OK, I have to have repayment mortgage but I want everything I paid over two years back when I remortgage,...
View ArticleQuestions a mortgage lender does not want us to ask
So far talking to different mortgage lenders I learned about the following disadvantages: 1. Some will not allow to have a loan secured against the property from lender other than them. So they become...
View ArticleWorth paying early repayment charges and switching?
Can anyone offer any advice please? Bought house 2010 £156000 Natwest mortgage £140400 (90% LTV 5 year fixed at 6.34% - 30year) 3 years into mortgage now, 2 years left on fix. Balance on mortgage is...
View ArticleHelp to Buy scheme
Looking at help to buy scheme house is £205k £10250 is buyers deposit £41000 is governments 20% Loan £153750 is mortgage from commercial lender My question is how much will be payments back to the...
View ArticleCo-operative downgrade - any risk to my mortgage?
I bought my first property at the end of last year and my mortgage is with the Co-op. I'm on a 75% lifetime tracker with an option to switch to fixed. In light of the Moody's downgrade, should I be...
View ArticleReleasing equity at existing interest rate
I've just come to the end of my fixed period on my mortgage and as a result have dropped down to a low interest rate. We've been thinking about an extension so thought that now would be a good time to...
View ArticleLenders and proof of deposit
Hi there, My girlfriend and I are currently trying to move out of rented accommodation and purchase our first property. We initially went through a broker, got an AIP from Nationwide for £450k, and...
View ArticleMortgage Endowment paid to me instead of Santander
I've had the proceeds of my mortgage endowment paid to me by cheque instead of directly to santander. How long do you think i could string santander along with, 'im on holiday' and 'the cheque is in...
View ArticleSwitch to Interest only for 2 years?
Quick background:- Outstanding Mortgage Balance £140,000 House value £250,000 I currently have a repayment mortgage which is coming to theend of its two-year fixed deal. I have recently separated from...
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