Halifax mortgage process how long
Dear all, Myself and my partner both have completed a full mortgage application with Halifax and have paid the valuation fee a week ago. I just wondering how long would it takes for the mortgage to be...
View ArticleNationwide asking for homebuyers report refresh (Scotland)
We are buying a property in Scotland. The date of report for the HomeBuyers report is 25th Feb. Nationwide are saying that the report needs a refresh and that I need to go via the vendors solicitor and...
View Article10 or 15% deposit?
We've gotten to the point of making an offer. We were hoping to get the house for less than the asking price but it looks like we are going to have to stretch to 140,000. I was really hoping for a 15%...
View Article2yr fix or 5yr fix
Hi all, I can get a 2yr fix at 3.09% with a £1900 cashback inducement or.. a 5 yr fix at 3.69% without an inducement. Which to take? Any MSErs have a view they'd like to share? Thanks :)
View Article SVR credit file & no switching deals available
I will keep this fairly short and sweet, as there are a few key facts rather than heresay. Just want peoples experiences, or thoughts on how best to proceed. Have had an Alliance & Leicester...
View Article2yr vs 4yr fixed rate mortgage
Originally I was thinking of getting a 2yr fixed mortgage but speaking with a mortgage adviser at an estate agents they said if I plan on staying in property for 5yrs (however my broker suggested...
View ArticlePaying twice?
I am currently arranging a mortgage to buy out my sister's half of the property we inherited when our mother died. My broker's offer includes conveyancing fees of £950. At the same time I have received...
View Articleappealing mortgage application
Hi, We currently have a 78K mortgage on a 85% LTV rate with halifax. We are not tied into any rates/deals and the interest rate is around 3.4%. The mortgage is in my husbands name. We have sold the...
View Articleanyone used "Which?" to arrange their mortage?
They've been very helpful & forth coming with the free advice so far,so thinking of using them to arrange a mortgage deal for me.They say they are "whole of market" so hoping they will find the...
View ArticleNo questions finance
I have a number of properties, with no loans, and would like to take the opportunity of the downturn to buy a few more. Are there any companies out there (or individuals) who'll lend at a rate of 6% or...
View Article90% LTV and no Early Repayment Charge
I've done some searching for a 90% mortgage with no ERC/penalty-free overpayments, and the only lenders that show up are First Direct and HSBC (essentially the same company). Does this sound right? Do...
View ArticleDeclined Mortgage - Nationwide
Applied for mortgage with Nationwide 4.14% fixed 2yr. Looking to borrow roughly 50k. Credit report done and showing default to RBS a/c and credit card in 2009, 2 arrangement payments and not on...
View ArticleTwo AIPs?
My partner and I are are looking at applying to Halifax and Nationwide for a mortgage. We only have a 10% deposit and I am new to my job, though have a long history of employment in the sector I'm in....
View ArticleStrange construction type
Found a reasonable priced terraced property with a great yield of 8-8.5% yield in Glasgow. I've received Homebuyers Pack and in additional comments it states construction type is Blackburn Permanent...
View ArticleDad is selling me a £200,000 flat for £150,00 PLEASE HELP
Hi money people! I need some advice I don't know where to start. My dad owns a few flats and wants to give me a leg up on the market by selling me it a cut price. Would it be easy for me to get a...
View ArticleHow much does it cost to sell a house?
I have a house - well 40% of a house. 60% is owned by a family member (It was done when I was 19 incase I messed up in some way!) If I wanted to sell the house - obviously with their consent, how much...
View ArticleMortgage offer renewal help
We went through the application process and were given a mortgage offer in January of this year. It was valid for 3 months so we renewed the offer in March, it now needs renewing again but the...
View ArticleFreehold v Leasehold
Hi, I have received my mortgage offer from the Post Office (very good service btw). I told them the house I was buying was freehold (I guessed / assumed), but the survey has come back saying it is...
View ArticleMortgage start date
I am buying a house, the process is on-going and waiting for exchange. Am wondering when does the mortgage starts. Is it from the moving date or xchange? Please help. Thanks in advnce
View ArticleRemortgage dilemma
My current mortgage (FTB) comes to an end at the end of the month. It was a 5 year fixed rate 5.63% with Nationwide for £153k on a £175k property. I have been making overpayments over the last year and...
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