Mortgage app - bank statements
Hiya, me again :-) Just a quick question for all you brokers.. On average, how may months worth of bank statements am i expected to produce during a mortgage application? And what specificlly are you...
View ArticleMortgage affordability
Hello, I'm chasing my tail trying to find out a solution to my problem. I have a mortgage with my ex-husband. He wants to remove his name from the mortgage so that he can start a new mortgage with his...
View ArticleGetting Finances in Order
I have just joined the forum as I thought it would be a good place to start looking for advice on getting my finances in order. I am newly self employed and have taken a bit of time to look at my own...
View ArticleMortgage declind by Nationwide - Advice required!
Hi all, Some help needed please. My husband and I had a mortgage in principal with Nationwide, we went ahead with the application and now it's come back saying declined. This is after 4 weeks of...
View Articlebroker advice right?
Hi we are looking into getting a mortage ive posted the other day to get advice and it basically came down to speak to a broker for advice. We spoke with london and country yesterday, I called up for...
View ArticleRenting my Property - Declaring Tax
Good Morning, Just looking for some advice from somebody in the know or somebody in the same situation. As of 1st June this year (2013), I will be renting out my property to a family member and I have...
View ArticleAm I mad????
We currently have a variable tracker mortgage with Intelligent Finance - rate is at 0.94% so paying very, very little interest which is great (took our the mortgage 5 years ago, £143,000 and balance of...
View ArticleEndowment matured - Pay off mortgage
This year, my mis-sold endowments reach maturity. I've got a cracking mortgage deal of 0.20% above the base rate for the life of the mortgage. I want to make payments to my outstanding mortgage but am...
View ArticleHow is affordability calculated
Appreciate the finer detail is going to vary between lenders but in general principles how are these things calculated? Is it net income minus other debts minus some standing cost per living amount and...
View ArticleBroker or branch?
My fianc!e and I have just had an offer accepted for a property. By way of background, we're FTB's and have an agreement in principle from a building society after we met with their mortgage advisor...
View ArticleMotgage now refused!!!!!!!!!!!!!!
We recently had a mortgage in principle from lloyds at a great rate that we could afford and had the deposit for, we then found the house and had an offer accepted! brilliant! We then went back to...
View ArticleMortgage offer received - now guaranteed?
Feel like its a stupid question but I am a worrier.... I had a mortgage in principle and to get that I had to supply my work contract, bank statements, payslips, ID etc. Since then, I have put an offer...
View Articletransfer of equity
Trying to keep it short: existing joint mortgage with my former partner, I am currently in the process of removing his name from the mortgage and title deed. Hopefully. Halifax approved the transfer to...
View ArticleWhich option should I go for? FTB
Hi I have just been approved for a mortgage with AIB. Mortgage is for £135k I have two options: A/ Discount Variable (1.25% off SVR 4.75%)currently works out at 3.5% variable for three years then...
View ArticleSantander mortgage tracker - quick help please
I've just seen that the underwriter decision has been made on my mortgage with Santander but it doesn't say what the decision is. I just rang up to find out and was told that someone would call me next...
View Article3yr fixed @ 4.49% or 2yr fixed @ 3.99% but with £499 fee
Ok so I'm very tired at the moment, and I can't work out which one would be better! Basically, we're selling our house and buying another, and as such are borrowing some more money off our mortgage...
View ArticleIs this do able - 2 mortgages till house is sold.
Hi all. Have a question for you. Is it ok to have 2 mortgages at the same time? Here's the facts. Looked at a house with 9 acres of land today that the missus and myself have fallen in love with. I get...
View ArticleNatwest mortgages and tax credits?
Hi there, Does anyone know if the Natwest or Halifax are one of the lenders that take Tax Credits into consideration? I have 1 default on my credit file from 2010 (still paying this off), Experian have...
View ArticleI wish I could stop worrying-need advise please!
I am 59 years old-always had my own house until I left my partner 6 years ago. House was sold-very little equity which I lived on for the last 6 years as well as working and paying the rent etc etc. I...
View ArticleRepossesion - Firstplus
Hi Firstplus declined my shortfall application unsecure their charge from my property that was intended to be sold through the Mortgage Rescue Scheme. I am now going to take my case to the Financial...
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