Endowment miss-sell offer
I have been awarded an offer because of miss-sell, no fortune but ok-ish. I had one original policy for my first house(they say I'm too late to claim on that one-started in 1991) The offer was for the...
View ArticleAny lenders less likely to place a retention?
I have an appointment to view a property on Sat. It looks amazing - it's on the market for offers around £295,000 the estate agent told me he thought it needed around £200,000 of work to completely...
View ArticleQuestion about BTL Mortgage
Hi. I'm hoping that someone with a bit more knowledge than I could help me answer a few questions. Situation is as follows. I currently own 2 flats in London, both mortgage-free. I live in one which is...
View ArticleRemortgaing from NR "Together" mortgage
Is it possible? I bought my house in 2007 (a couple of months before prices started going down lol) and paid £125,000 for it but took out a loan to go with it The balance of my mortgage and loan is now...
View ArticleQuestion about mortgage credit checks
Were about 1 week away from exchange. Since being accepted for a mortgage we have applied for a 0% credit card and used it to pay for fees and buy furniture. Looking on the internet I have heard that...
View ArticleReferred AIP And Putting In Offers
Hi all, Six months we applied for a remortgage with Woolwich through a broker which was initially referred but the mortgage was eventually signed off after being underwritten. We never went through...
View ArticleSalary Scarifice
I have a Salary Scarfice arrangement for my car. This payment comes directly from my Salary before tax/ni. My gross Salary on my wage slips is £30,000. My employer confims my salary as £30,000. My P60...
View Article2 yr fixed rate coming to an end - Santander
Hello I am new to these forums to firstly hello to you all! We currently have a mortgage with Santander with a fixed rate of 5.89% which is due to end beginning of November. Currently we are set to...
View ArticleMoving Home and Job
Hi, I've been in full time employment for 8 years with the same company, but I recently accepted a position with a new firm in a new area so I need to move. This new firm insists on hiring people...
View ArticleContractor Second 'Holiday Home' Mortgage
Hi, Just looking for some guidance regarding the possibilities of obtaining a second mortgage if I may... First the background... I've been living in my current flat in England for 5 years with a...
View ArticleJoint Employed & Self Employed Mortgage App
Hi MSE Forumers... This is my 'maiden' post - I just want to get some advice on mortgages if anyone can help? I am 25 years old and employed on a £30k salary. I bought a 40% share in a £245,000...
View ArticleHusbands mortgage declined due to my DMP - help please!
Hi all, I'm a newby to the site, but I hope that someone will be able to offer some sage words of wisdom. My husband is currently on an endowment mortgage with 11 years left to run on it. After...
View Articlefirst time mortgage advice please!!
Hi everyone, looking for some mortgage advice, I am looking to get a mortgage over the next few months with my partner. I am a self employed driving instructor earning around 24000 a year before tax...
View ArticleCredit checks - generally when are they done?
Hi all I've just seen this subject mentioned on another thread but am a bit confused (it doesn't take much!) Is there a general rule as to when credit checks are done for mortgage applications? We are...
View ArticleHalifax offer
We applied for a mortgage with Halifax last Wednesday and got our offer this afternoon. Just reading through it. Does anyone know what this means: [FONT=Arial][SIZE=3]You have declared an intention to...
View ArticleHope someone can help
Hi, I'm hoping someone can help me if possible, I am going to speak to a solicitor tomorrow but would appreciate any help or advice you can give me. I was previously married and we bought a flat for...
View ArticleScottish Widows
I have had a 20 year endowment style plan with Scottish Widows now for 16 years paying £25 a month. Sum assured was just under £5000 which thinking back is crazy as I pay in £6000. They add bonuses...
View ArticleMortgage reply delay
Hi all I am waiting on the official yes or no from Halifax they have all they need incl Home Report but my MA said that Halifax have a backlog for mortgage apps at the moment .Anybody else having this...
View ArticleVoters Roll
Morning, Yesterday I received the news from the N&P that they were declining my mortgage application. Despite having a healthy deposit (40% LTV) they declined on the following points: Voters Roll...
View ArticlePay mortgage of early
I have a 36k deposit, i can save 36k a year, i am looking at getting a mortgage for 150k. the idea around saving so much is to pay my mortgage of under 5years what would be the best mortgage for me. I...
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