Bizarre mortgage calculations
We are in the process of remortgaging. i am very keen on an offset mortgage as we tend to need large cash floats and so upon finding Chelsea BS offset at 3.79% I thought we were onto a winner. As a...
View ArticleInsurance
I'm just getting a mortagage and not sure if I should get life cover or not with it. I'm young so don't know if I should hold off for a while. Could someone advise me if it's worth it? Thanks
View ArticleNationwide Buy to Let / Mortgage Works
Hi there I am currently with Nationwide on a residential mortgage that they are now charging an extra 1.5% to buy-to-lets. They have rang the Mortgage Works as its their buy-to let subsidiary and i...
View ArticleExchange date delays
Greetings! Hoping to get some advice regarding our situation. 1) First Time Buyers. 2) Mortgage Application successful. 3) Deposit and solicitor fees transferred to solicitor. When we originally...
View Articlereccomend IFA please
I need a sub prime mortgage. I have two defualts, hubby has settled IVA (9years ago) and a few mortgage late payments. Our current mortgage is 78K. we have equity of 30K but would like to keep some...
View ArticleSantander Valuation\Survey taking ages
Hi, We accepted the offer from my buyer who is renting over 3 weeks ago and have yet to hear from Santander (the buyers lender) about arranging a valuation survey. My buyer says Santander (unusually)...
View ArticleUlster Bank mortgages _extremely_ slow
Hi all, Currently applying for a mortgage via ulster bank. They are dragging their feet at every opportunity. First it was a 2 week backlog. Fair enough I thought, just wait. Then, it took them a week...
View ArticleSelf Employed/ Company Director Mortgage Options?
My Husband started up in Business last year he has a 50% share of this company and then has his own ltd company for which I own half. The company he has a 50% share of started only in Sept 12 however...
View ArticleNew Home - What cover do I need?
Hi, We complete on our brand new home on the 28th of this month. In 10 days! Our mortgage advisor was supposed to be sorting all our insurances for us, he has now let us down, but not only that he has...
View ArticleHelp please with applying for a new mortgage
Ok will try to keep this short and sweet. Got divorce last year and sold the family home. Had a mortgage with Santander and all good. Paid off some debts and have £20k deposit. Currently in rented...
View ArticleBank Statements of the last 5 years
Hi all I am moving flat soon. I have several bags full of documents. Banks statements, credit card statements, council tax bills, water bills, telephone bills, electricity and gas bills, etc. etc....
View ArticleAdvice please
I am moving house and was on the phone to Santander tonight. When asked about the value of the house, as we are in Scotland advised home report had valued it at £162000 however we managed to negotiate...
View ArticleMortgage on a new build
hi all, I'm looking to purchase a property for around 230k, at present i'm on a joint mortgage which will be payed off and re mortgaged with the single person only.. (within next few days) I'm looking...
View ArticleMortgage declined
Hi, I am trying to find a mortgage for a shared ownership property, purchasing 40% at £40000, for which I have a £26000 deposit, so the mortgage I need is only £14000. After applying to Halifax, after...
View ArticleIn love but stuck!
Me and the other half have been looking at new build properties aiming for around the 100K mark and where looking at doing a 5% deposit with one of the new homes initiative, however we have just this...
View ArticleHi quick question about overpayments
Hi there, Ok so getting a mortgage with Santander for 57k. For overpayment they say i can make capital repayment upto 10% per year, (a minimum overpayment being £500). ok great so i have these...
View ArticlePaying off/getting new mortgage
Hi, We have had our house on sale for a year, and are very lucky in that family have offered us the money to pay off our current mortgage so we can move despite not selling..but I'm now worried. Can we...
View ArticleDeed of trustee
Does anyone know if I can get a mortgage if my name is not on the deed but the person buying the property (my Nanna) is signing a deed of trustee to confirm that the property is mine. I suspect no but...
View Articlehelp to buy
Hi, I currently own my own home but it is getting a bit too small for the 4 of us, so I am trying to purchase a new build, I was going to try and purchase it outright but, a friend suggested I could...
View ArticleAre there any 100% or 95% mortgages?
Unfortunately we had to get off the housing ladder a few years ago due to redundancy and are now keen to get back on. We don't have a deposit although there is a possibility of family support, although...
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