Good current credit rating, not so good credit history.
Hi All, This is the first time I'm posting on any forum, so I hoping it may help. Just over 4 years ago I found myself 2 months in arreas with my mortgage. After speaking to the mortgage provider I was...
View ArticleMortgage Declined by Nationwide - Advice please
Hi, My mother is a long time tenant with our local council and we recently made a joint application for the Right to Buy which was approved. The figures are as follows: House value: £66,000 (its not...
View ArticleShould I ditch my fix for Offset?
I have a fix rate of 3.69% until Jan 2015, currently have £147,544 left on mortgage over 23yrs 6mths. I have come into a large sum of money (80k) and I am wondering whether to ditch my fix and go onto...
View ArticleMortgage advice needed.
We currently have a mortgage with Satander and we want to sell our place and get a bigger place. I am employed but my husband is a self employed sub contractor. Does anyone know if our mortgage company...
View ArticlePorting mortgage after selling before new property has been found?
Long story short: My wife and I had our own properties before we got together, we met, got married and moved into her house and rented out mine. We're now close to selling mine and want to port the...
View ArticleAm i still fixed?
Hi all, I took my first Mortgage out just over 5 years ago with Halifax. I was fixed at 5.990% for 5 years and they were fixed for in 10 years. I looked at changing in around December time when my 5...
View Articlemortgage protection options?
Hi we have a mortgage which we've had for 7 years we have just changed the house and mortgage to a buy to let one, as we needed a bigger house and couldn't sell ours, So we've had an offer and mortgage...
View Articleagreement in principle or credit check first?
Hi all, Could someone please just let me know how this works.First time buyer.In order for an offer to be taken seriously/give us more bargaining power,I intend to get what I believe is a mortgage "...
View ArticlePotential FTB advice
Hi All, Myself and husband would like to buy our first house together shortly, but we have just found out that on my OH experian credit report he has 8 missed payments from a debt in 2007, which was in...
View ArticleCompany error put on credit file after survey HELP!!!
Hi, My girlfriend (2nd applicant) has one of the credit builder cards where you pay 5 pounds a month to build your rating(stupid I know). Anyway natwest did a survey on the house yesterday and I...
View ArticleProof of Deposit Nationwide..what and how to send
Hi We have posted off our mortgage application two weeks ago with the requested documents. We received this email last Friday: "Hello Mr & Miss I am looking after your home purchase application, I...
View ArticleProblems with first time buyer AIP - previous applications show as accounts
Hi, Hoping for some advice with issues securing an agreement in principle on a first time buyer mortgage. Some background first. Last year we were approved for 3x FTB mortgages with HSBC. The first two...
View ArticleOffer withdrawn from Natwest, Any Advice?
This may be one for the brokers on here. We received a DIP then a written offer for a remortgage from Natwest for a 90%LTV, 247K Loan, house value 275K, Moving towards completion the Natwest solicitors...
View ArticleExpat Mortgages - any advice?
Can anyone recommend a company that offers expat mortgages in the UK? I'm a UK citizen but am living abroad and wish to remortgage my property. There are added complications by the fact that the...
View Articlemortgage offer ,nationwide
finally after 6 months i finally have a mortgage offer from nationwide,when they say jump through hoops believe me it is the worst experience i have ever had,santander who are my current lenders were a...
View ArticleHalifax mortgage offer - advice needed
Hi, We applied for a mortgage of £120,000 on a £320,000 property. The remainder of the purchase price is cash. We are having a four way mortgage. The principle applicant income is £34,000 and the...
View ArticleBarn Conversion to Holiday Cottage
Hi, i own a barn and im looking to build a holiday cottage, does anyone know the best way i can finance this project.
View ArticleSantander mortgage through a broker
Our mortgage broker has submitted our application for a mortgage with Santander, the broker phoned over a week ago and said Santander had given us a decision in principle and now says she has put a...
View Articlefixed deal ending, valuation question
My fixed 2-yr rate will end May 2014 and I started to do a bit of a research to figure out what my options were - staying with the same lender vs. remortgaging. I'm trying to determine what the value...
View Articlegoing into arranged overdraft- worried
My bank statements show me in -200 in the beginning, in arranged overdraft,then I get paid and don't go back under except once for -£20 My wife on the other hand has a massive limit and is seen going...
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