Denied a mortgage - No Electoral registration
Hi everyone, My partner and I were recently denied a mortgage on the grounds that we have not been on the electoral register for over 10 years and have no credit history. Our jobs have required a huge...
View ArticleBOS 100% Mortgage Trap
Hi Guys I'm sure this has been asked a thousand times before but I would really appreciate any advice that people have regarding my 100% mortgage situation, although if you are one of the condescending...
View ArticlePost Office AIP - FTB
Hi all, I am (hopefully) soon to be a FTB. I am married and due to my OH bad debt I will be applying for a 90% LTV mortgage myself. I have now found a property which I would like to make anoffer on. It...
View ArticleCan I claim about financial advice 15 years ago
I know its a long time ago but I have not previously made an attempt to claim compensation as my complaint doesn't fall into any of the normal categories. In 1998 we were sold a Pension Mortgage by...
View ArticleEquity Release Lifetime Mortgage
Hello there, I was just wondering if anyone out there had any experience of the above. My mother has just had her latest statement from such a product and from the initial £25k she released the total...
View ArticleAnyone take an Abbey 10 year mortgage in 2007
Did anyone take a 10 year fixed rate mortgage with Abbey (now Santander) back in 2007? If so would u have any paperwork relating to early repayment charges. I am unable to find this paperwork that...
View ArticleExpat Mortgage Help Required
I am an expat currently living and working in Russia. I am hoping to get on the property ladder within the next year and purchase a property which may initially be buy to let with a longer term view of...
View ArticleReady to switch! Any last words to the old lender?
Following a lot of advice from others on this board we've finally settled on a new lender to re-mortgage with (Nat West). It's going to save us a couple of hundred quid a month, so I'm cautiously...
View ArticleHow do I tell my mortgage broker I'm ditching him?
I'm a first time buyer, and two of my friends who have recently bought their first homes themselves advised me against using a broker who charges fees. I realise this is a bit of a sticky subject on...
View ArticleHow long will interest rates remain low ?
AS above how much longer do you think rate will remain low before they start to rise?? Hope its not until after May April next year as we come out of our 5 yr fix(4%) and are looking for another long...
View ArticleDoes being pregnant/having dependants effect how much you can borrow?
Hi, We are currently hoping to start a family and also hoping to buy within the next year. The mortgage calculators I've look at all want to know whether we have dependants (we don't at present). I was...
View ArticleMortgage on PhD stipend ?
Just wondering if anyone knows of any lenders who will take a PhD stipend into consideration for a mortgage. My son will have the stipend which is tax free and his girlfriend is a teacher. They have...
View ArticleOld Bank Statements
Hello all wonder if one of you good people can answer me, I need to get my last 3 months bank statements, Not print outs for some reason, does anyone know if Santander do this? don't care if there is a...
View ArticleFirst Direct/HSBC Mortgages
Hi everyone, My sister is looking to buy a property in the next couple of months. She's seen a broker and he's offered a reasonable deal but there are some really good ones with hsbc and first direct...
View ArticleWoolwich open plan mortgage
Hi just wanted to start a post and spread the word on a possible mis selling on a huge scale by the woolwich.In 2001 we bought our house and got advise through the estate agent broker we put down...
View ArticleMortgage refusal
Hi, i recently went to my bank to get apply for a mortgage. unfortunately they didn't like my finances so have refused me even though consolidating my debt would make me much better off on a monthly...
View Articlesantander IO - suitable repayment vehicle
I am looking at getting a Santander IO but was wondering what they would consider as a suitable repayment vehicle for IO - specifically does equity in BTL property or pension lump sum count? How about...
View ArticleNW approve mortgage, solicitor says add middle name, NW recheck & decline...
Some months ago Nationwide approved my girlfriend for a mortgage, 15% deposit. They issued all paperwork and did the house valuation etc. They were asked to add her middle name to the mortgage offer,...
View ArticleChange to mortgage application
I got an agreement in principal a few weeks ago for an 80K mortgage on a 100K property.... Went shopping and found a flat, offered £96k and the offer was accepted. I've just completed the mortgage...
View ArticleLenders with their own conveyancers
I've noticed that some lenders have their own conveyancing panel, and if you have a conveyancer that isn't on their panel, you end up paying twice, once for your own and once for theirs. Do I have that...
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