Mortgage redemption early repayment charge - Solicitors fault
I am completing on selling my property today and my solicitor emailed me yesterday to confirm that I was 'happy' with the redemption figure from my mortgage company. I noticed that the final figure...
View ArticleFirst time buyers, trouble..
Hello everyone. Hopefully someone can help! We are fist time buyers and are struggling to get a mortgage. We are trying to get a property with help from the "help to buy" scheme. (5% deposit, 20%...
View ArticleHelp!Mortgage redemption early repayment charge - Solicitors fault
I am completing on selling my property today and my solicitor emailed me yesterday to confirm that I was 'happy' with the redemption figure from my mortgage company. I noticed that the final figure...
View ArticleAm I missing something here?
So...we're just out of our 2 year introductory rate with a mortgage lender (post office) and are shopping around for a better deal. I'd heard that it was usually far less hassle to go through your...
View ArticleWhat is your maximum leverage?
Thought I would post this to see how different people feel about this! What is the maximum leverage ratio (mortgage:annual income) that you would consider? Obviously, this is going to be very different...
View ArticleNationwide STB valuation results way below what we've offered. What next?
Had our valuation earlier this week. Just phoned Nationwide to find out the results and been told Countrywide have valued the house at £195,000. We offered £215,000. As a bit of background, the...
View ArticlePersimmon reservation fee
Hi, Myself and my girlfriend have just exchanged on a Persimmon home which we are due to complete in September. Something I've asked about is the initial reservation fee of £500 that we put down a few...
View ArticleGifted deposits
Hi All, I am purchasing a new property and selling my current one. Part of the deposit for the new property is coming from the father-in-law as a gift. The lender is happy with this but I have heard...
View ArticleHalifax Mortgage - Conditions
Hi guys, the conditions of our mortgage with Halifax state that we must hold a Halifax current account with at least £1000 credited to the account each month. It is a bit vague, in that I'm not sure...
View Articleporting an NRAM mortgage
I am in the process of reviewing my financial circumstances; to that end my property is being marketed for sale. Offers received to date do not cover the outstanding loan amount, being approximately...
View ArticleMortgage for renovation
I'm hoping someone can put my mind at rest. Bought a repossession in April 13 -needs £100.000+ on renovation and extension. It will be my new home. I mortgaged my current home (was mortgage free) to...
View ArticleMorgtage
Hello, im thinking of taking advantage of the council house discount and buying my council property, I want to pay of the mortgage for five years, sell, repay whats owed on the mortgage or keep whats...
View ArticleFirst payment question
Hi hopefully someone can help. I exchanged contracts today but the completion date isn't until the 28th will my first months payment charge me interest from the 21st or from the 28th? I'm with...
View ArticleFirst buyer problems bad mortgage help
Me and my partner are looking to buy our first home he has a perfect score I have to defaults showing both my defaults are paid and satisfied and we have no outstanding debts but still struggling to...
View ArticleFTB new build query
Hi there Just reserved our plot today with Westleigh Homes, move in date is December 2013; was told they need the 5% deposit within 4 weeks which was a shock, we should however be okay for that. Just...
View ArticleFTB Pros/Cons
Well my life in my current flat will be coming to an end in a few months, so there are decisions to be made.... I have ~8k in savings, some of which in shares which firstly I guess that I should move...
View ArticleAdvice, Guidance and Reassurance Required for FTB
Morning All, My husband and I are currently in the process of buying a house/applying for a mortgage. We decided to follow the advice on here and use L&C as are Brokers who gave us a decision in...
View Articlemortgage advice
It is important to choose a good house to live and a new house bring many think with it.A new home brings with it new hopes, joys and emotions.But many people don't have enough money to buy a...
View Articlegetting an agreement in principle
hello, partner and i are first time buyers and have a few questions! 1. I've read the halifax do a soft credit check for the aip, does this lower our credibility or is it a case of picking any bank? 2....
View ArticleMortgage audit!
We are currently in the process of buying a house, we've had the offer accepted, but we've been informed by our broker that the mortgage application has been selected for auditing, therefore delaying...
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