Cost-free remortgaging
Is it possible to remortgage at zero cost, e.g. no legal fees, no valuation fees etc? I've seen a few things about 'we pay your fees' when moving a mortgage to another provider, but does that include...
View ArticleVery strange valuation survey...
Hi All, I just wondered if anyone else has experienced anything like this. We bought our flat in March 2012 £152.5K it need a little bit of work, I've cleared the heavily over grown communal garden and...
View ArticleHelp understanding retention please!
Hi Guys not too sure if anyone has had experience with this, but received my mortgage offer with a £5000 retention. Therefore I have to cough up the extra, but I am getting a little confused. Please...
View ArticleMortgage - Age Discrimination?
Leeds Building Society offer a 10 year fixed rate mortgage at 3.99% and have an upper age limit for loans to be repaid of age 75. BUT, if you are already in receipt of a state retirement pension, they...
View ArticleSantander mortgage - realistic ?
Hi Advice please! We phoned Santander and on our joint earnings of 38k they could lend us 148k. This seemed a lot to us and not sure if this was them plucking numbers out of thin air? We have childcare...
View ArticleFirst time buyer - right to buy - previous credit problems.
Hi all, I am looking for some advice. I was declared bankrupt in 2006 and discharged the following year. This is no longer on my credit file. I have 4 credit cards, all with small balances, which I...
View ArticleWhat are my chances of mortgage being approved?
Hi, I currently own a house with a joint mortgage. we have owned the house for 2 years and before this i owened a flat with a sole mortgage. I think i had the flat for 4 years. I put a very large...
View Articledo I complain advice needed
Just over month ago I contacted my high street bank mortgage provider - via telephone to their dedicated mortgage centre - just wanted to extend my buy to let mortgage (couple of years to run) - have...
View ArticleCould a joint application be harder than a single application?
We've had the thumbs up from a broker that they could get us a mortgage at a rate/LTV that we like, based on a single application - good credit history and salary and a permanent job. But ideally we...
View ArticleMortgage - Unexpected Problem!
Me and my partner have had an offer accepted on a property and we had a AIP with a provider without any problems. However as we submitted an application, the advisor emailed us to say that it was...
View ArticleHelp with buying partner out and adverse credit
I used to be a regular on here but not used the forums forquite a while. Hoping for some advice please. Purchased a property with my partner in 2006. We split up last year and we have now agreed that I...
View Articlemarried couple - home and mortgage each ?
Hi, my wife and I currently have a joint mortgage and are thinking of moving house. We would like to avoid a chain so are considering options. We have a fairly small mortgage on our current house so I...
View ArticleGuarantor mortgage - how does it work?
Hi Guys, I am hoping someone can help with this. We have an existing property but want to purchase a bigger house. We do not want to sell the existing house as we would not get anywhere near what it...
View Articlemortgage and financial advisor help
Me and my partner are looking to get our first home, im 31 she is 42. initial looking around suggests we will struggle. do we need a financial adviser? or is the information readily available online?,...
View ArticleMortgage Application (FTB)
Hi, I have a query, I'm hoping someone will have the answer. Can I obtain a mortgage before putting in an offer for a house? The reason I ask is because I applied last year (Halifax). I have defaults...
View ArticleSantander Mortgage - Does anyone have a breakup of charges?
Interested in knowing the associated charges tied to Santander's mortgage offers, like - completion fee, valuation fee, exit fee, completion fee, mortgage account fee, etc. Trying to get the right...
View ArticleMortgage refused, credit scoring, help.
Hi all, Me and my wife have just had a mortgage refused despite passing all affordability tests, the reason is stared as credit score failure and offers some examples as to why, none of which apply to...
View ArticleHow quick is to quick?
Hey We had an offer on a house accepted today. The seller's want everything "done and dusted" by the end of June. I called chancellor's conveyancing team and agreed for them to do the legal store of...
View ArticleTo Fix or Not?
My fixed rate ends in August. Halifax have told me that I can go onto the base rate at 3.99% or fix for 5 years, the interest for the product they would offer at the moment is 4.49%. ! Being in...
View ArticleBuying Another Property, 2nd Mortgage
Hi I was just wondering if this could be done. The current value of my home is 140k, and I have 25k left in my mortgage. I have 15k in savings which I was hoping to use in purchasing another propery...
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