first time buyers with a default
Hi My partner and I are trying to get a mortgage. We are both first time buyers and earn approximately £38,000 between us a year. We were declined a mortgage through Santander, we didnt know why at the...
View Articlemortgage newbie, asking advice
Hi, wondeing if anyone can offer some advice really. My partner and I are looking to apply for a mortgage, im a total newbie to this, and ive read up on martins ftb guide for mortgages, but ive got...
View Articlemortgage app and pension
can someone please explain to me why it is when applying for a mortgage we have been told they can not take my pension into consideration, it seems strange to me that they will take certain benefits...
View ArticleMoving up the property ladder
Hello, Please forgive me if I'm being a bit stupid, some things i've ready on the house buying forum have set me wondering and I thought this may be the best place to ask my questions! My fiance and I...
View ArticleTrying to pay off NRAM and they won't let us!
My husband and I have been trying to sell our flat for 2 and a half years. Thankfully back in March we had an offer and we've now exchanged and are awaiting completion. NRAM are now being unbelievably...
View ArticleDelays with Clydesdale Mortgage Application?
I'm new so please bear with me if I waffle on.... My partner and I are in the process of buying a new build house, so far we are nearly 4 weeks in and itÂ’s been stressful.:( Before instructing our...
View ArticleNeed my name removed from a mortgage
Hi, Back in Oct 1990 I entered a mortgage agreement with my then wife, this was under a 75% equity scheme. In 1999 my wife and I split and she was left with the flat and our four year old son. In 2000...
View ArticleHelp with declined mortgage from Accord Mortgages
Hi everybody, New to forum but need some help/advice please. Have been battling with Accord Mortgages for 3 months now regarding a BTL remortgage application. They kept asking for more and more...
View ArticleNew build mortgage
Hi, I'm looking into buying a new build property in my area. I'm unsure how a mortgage works with a new build or how to go about getting one. Someone said to me that I'll need a 40% deposit??? Also the...
View ArticleConfused with Nationwide 95% mortgages
Hello I posted on here a few weeks ago about the Nationwide Save to buy scheme which offers a 95% mortgage if you have a save to buy account for over 6 months. Just looked on the Flex account page and...
View ArticleHelp with a mortgage application
Hello, I hope someone can help. I'm trying to apply for a mortgage with Skipton Building Society but they have started to make worrying noises. I am 29 years old and purchased my house outright in...
View Articlehelp with interest only mortgage
hi , i was unfortunately given wrong advice and put on an interest only mortgage to get myself out of trouble for a couple of years , and then to get back on a repayment mortgage once things had...
View ArticleAdvice on shocking treatment
Hi, I'm in a very long process of getting a mortgage with a certain Spanish bank and it's turning into a joke. I had a mortgage for 5 years with Alliance and Leicster and now we're moving house,...
View ArticleDay of Exchange
I understand that I have to show my lender evidence of the deposit/increased equity I need to fund our move to a bigger house on the 26th july 2013. As we have very little equity in our current house,...
View ArticleHonesty the best policy?!
I have always done everything above board when it comes to mortgages and my house... but my morals are slipping. I am in the fortunate position of only having 4 years left on my mortgage, and my rate...
View ArticleExisting lender match deals ?
Hi ! Mortgage is up for renewal. Just wondering if anyone has had their existing lender (mine is Progressive, NI) match another lenders deal ? Or are they totally inflexible with what they offer ?...
View ArticleHow far to stretch
Hi all: Hoping for some advice related to how far people think might be reasonable to stretch on a mortgage on my next move. Also wondering what sort of back ups are in place if someone was not able to...
View ArticleCan solicitor request mortgage funds before exchange?
I have asked my solicitor about the possibility of exchange and completion on same day. No chain on either end, property vacant and unfurnished, vendor living elsewhere. Solicitor says he requires...
View ArticleNew Job
Hi, I am currently employed and have been in constant employment since I started university. A position has been offered to me at a rival company with the start date in a couple of months time. If I...
View ArticleHelp to Buy mortgage - is broker necessary?
Hi all, Newbie FTB here. My wife is self-employed as a music tutor making about 8k profit a year. I'm in full-time salaried employment (50k). Our situation is quite straightforward with no...
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