mortgage query
Can anyone advise me i have two properties currently living in one the other is nearly finished being renovated the mortgage to cover these properties is around 570 a month in total, i would like to...
View ArticleMortgage Credit Scoring
Whilst saving up for a deposit; we've begun checking our credit reports. I've been checking mine for years as it was VERY POOR (I know why; silly silly me) but now it's gone up to FAIR. I know it's a...
View ArticlePutting kids on house deeds
Not sure if this is in the right section but here goes... I own my house but with a mortgage and have been thinking about putting my adult kids on the deeds. I know there are lots of ways about doing...
View ArticleWife's current and credit card not showing on experian?
This is probably due to the cards being in her maiden name. Nationwide are aware of her maiden name, will they just run a check on her old surname before marriage to pull up the rest of her data?
View ArticleMortgage Calculation
My husband and I have just switched mortgage providers and our old company have refunded us a full months money but we think they have calculated it wrong and we still owe them part of the month. I...
View ArticleRemortgage / Buying ex out of property
My partner and I are currently in the process of buying her ex out of the property. They have a consent order saying they are both entitled to 50% of the property. My partner and I recently saw a...
View ArticleEquity in a House
Hi, please could someone tell me how I can release equity in a property that I own, I still owe £44k, the provider will not release funds but wants me to re-mortgage. I bought the property for £93, now...
View ArticleClearing debt 'on completion'
Afternoon forumites We are hoping to move house at some point in the next few months and will be clearing around £10k of credit card debt on completion of the new mortgage. When trying the 'how much...
View ArticleWoolwich Mortgage Advice Please?
Hi Our fixed rate of 4.19% has finished and we are being moved onto the Lifetime Tracker SVR of 1.99% + 0.5% BBR = 2.49%. This is part interest, part repayment. Payments will be £810 a month, mortgage...
View ArticleWhat is considered as financial commitment in mortgage calculator?
Was playing around with the mortgage affordability calculator and feeling a little confused about what is counted as regular financial commitment. I presumed personal/car loan, childcare will be...
View ArticleOverpaying mortgage without penalty
Are there mortgages that allow overpayments without penalty charges? Still a few years away from buying, but I'd like to get a 25 year mortgage and over pay it quite a lot in the good times, but keep...
View ArticleMortgage to buy home for parent?
Hello, I'm new here so be gentle with me. I live in the north east of England, currently at home with mother, and we are both contributing towards the rent. She works, although doesn't earn enough for...
View ArticleNo buildings insurance
Posing on my gf profile, bear with me! I'm having a nightmare with my ex. She is living in our jointly owned property and I want to get off the mortgage but she can't get a mortgage on her own. She has...
View ArticleLooking to move but have had mortgage arrears in the past
Looking for some information. My wife and I are looking to move house but I have had a bad credit history until last year when I have my wife full control. I missed 5 mortgage payments but brought them...
View ArticlePrecise Mortgages?
Anyone used this company? Through a financial advisor we put in a mortgage offer 2 months ago. it was accepted subject to valuation then they came back with a whole list of things they wanted. We...
View ArticleZurich Assurance & Paymentshield
Hi, I bought a house last year (July 2012) from Edwardmellor on mortgage. I dont know much about the insurance requirements. I have two different insurances on my account one is Paymentshield Home...
View ArticleHelp To Buy Scheme - Equity Loan Route Help
Hi All, I am trying to get some help in clarifying applicant eligibility for the government funded Help to Buy scheme. I have not been able to obtain the relevant legislation however after looking at...
View ArticleOdd system at tesco to establish borrowing limit
Hi all, I recently phoned Tesco bank (for a mortgage) and asked to borrow what I thought was my maximum lending limit. I went through all my outgoings (I have very little as I have been saving for a...
View Articlemortgage application with virginmoney with 1 overdraft arrears
I was about to go and ask virginmoney for a mortgage but having done an online credit report/history check I have 1 settled arrears from 2008 (background: I emptied a current account that had a monthly...
View ArticleNationwide save to buy - joint with non FTB?
Hello all, I am hoping that you could help me with a question I have on the Nationwide Save to Buy savings account and mortgage. I am a FTB. My partner is not. He is not a homeowner, but sold his house...
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