Need help very complicated
Hi all, Please can someone help recommend who to call. Have tried two solicitors, one ifa and benefits departments and have yet to get a straight answer. Parents have split - mum getting housing...
View ArticleFirst Direct Offset Mortgage
we have finally finished our 5 year fix but want to stay with FD as the offset is easy etc. we owe around 70K would you go for a 2 year or 3 year fix. we plan to overpay. we only have 3 years left on...
View ArticleFirst time buyer - help needed!
Any help here would be greatly appreciated :) This morning I applied for a mortgage with Nationwide via a mortgage broker. Unfortunately, my application was declined and I was advised to check my...
View Article95% Mortgage advice required
Hello all, I'm a newbie to all this mortgage stuff, but would really appreciate some advice from the MSE community. Im looking for some good sources of information before I go and see a mortgage...
View ArticleRSA Low Cost Endowment - surrender?
OK, I have tried to work out what to do with this policy based on existing threads but they are quite old and I can't find quite what I am after so I have started a new question. Apologies if this is a...
View ArticleAdvice from brokers please? Stressing myself out :(
Hi all, We're applying for a mortgage with Halifax using the Help to Buy scheme. We went through the application with a broker on Thursday last week but need to wait to get permission to proceed from...
View ArticleProperty Deeds Woolwich Building Society
Hi folks, Forgive me if this has been asked before! After paying off my mortgage with the Woolwich in 1993, I had my deeds stored with the woolwich deedstore. There was a storage fee of £10.00 per...
View ArticleBuying in to second home.
This is rather complicated so please bear with me. I currently own a flat, of which I have a £150000 mortgage on the property. I have 1 year left on this mortgage which is fixed rate with Halifax. I am...
View ArticleMortgage HELP!
Hi, my partner left me last year and I am currently selling house. I can get a DIP with halifax for 90k on my own . However I have 11k of debt with halifax on credit card, rate is 3.99% for life if the...
View ArticleHow to get a mortgage after bankruptcy
I need advice on how to get a mortgage. I declared myself bankrupt in 2010, currently work as a full time civil servant and do not have a deposit. I need to find a mortgage provider who will work with...
View ArticleMortgage application
Hi, I'm looking for a bit of advice hopefully from someone who has experienced this situation. I applied and succeeded in getting a dip via a broker, the broker then submitted a full application and...
View ArticleMortgage advice
Hi all I'm new to this site.. But I would like some advice on mortgages I'm not sure what to do, whether to use all my savings as a remortgage and have a 7 year mortgage left. (£800 per month) Or move...
View ArticleLet To Buy: where to start?
Where should I go to become au fait with the basics of let to buy mortgages, please? Thanks very much, Laurence
View ArticleLender's interest only investigation letter
Hi We've received a letter from our lender asking us detailed questions about how we intend to repay our interest only mortgage in several years time. The account has been conducted impeccably from the...
View Articlebuying off a relative
I am currently looking to buy my Grandmother in laws house. We have agreed a fair price based on similar properties in the area. The house is valued at £55000 I have 5500 deposit so looking at 90% LTV....
View ArticleEndowments end in 6 months-£6k shortfall, What to do?
Hi, My friend's parents' (67 and 64 years old) three mortgage endowments are coming to an end this year. Two in August and one in November. As of last week, they are projected to mature to be worth...
View ArticleHelp with New build mortgage
Hi, I was just after a bit of advice with our situation. Made an offer on a new build property on sale for £166,950, tried to negotiate on price but the builder wouldn’t budge as they were making a 5%...
View ArticleFTB, chances of mortgage?? help much appreciated.
Hi, Would much appreciate your help on my chances of getting a mortgage. Me and my other half are FTB, and are looking for a property of £115,000 and have a £30,000 deposit. We earn together £41k. The...
View ArticleTo Broker or not to broker?
I've had three mortgage advisers referred to me and I'm fed up and on the verge of either going for a Googled one or just going straight to my bank. Two have taken my details and haven't gotten back to...
View ArticleFamily gifted deposit - how should I prove the fund source?
Hi All, I have prepared 100K as the deposit, in which ~80K was from my parents (they are living overseas). I told this to my solicitor and she insists that I should provide the proof of funds source....
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