Morgatage income......?
Hello this is another silly question to some but I am starting out and need all the advice as possible...... Mortage will be in my name only but can I use my partners income as well? Does it just have...
View ArticleWill 2 missed credit card payments totalling £1.06 affect my mortgage...
I wonder if someone can help me! I have a blemish free credit history but recently realised I had missed 2 payments on a credit card I thought I had paid off in full. Interest was still accruing on the...
View Articlecan I withdraw mortgage overpayments?
We are subject to the High earners child benefit thing but I haven't opted out of not receiving it. I am planning to pay the amount (£340) per month into our Halifax mortgage as an overpayment and then...
View ArticleDo credit scores mean anything???
im due to apply for a mortgage in the next week however i got my credit report from experian and it came out at 716 which is what they class as poor??? I have no missed or late payments, no defaults,...
View Articlefix or track with self employment
Hello I am going to have to remortgage soon and am very confused: not sure whether to fix or go for a long term tracker. I have 20 years left on my mortgage term. To complicate things further, i am...
View ArticleMortgage on house bought with loan from family
OH and I bought a house 2 years ago with the help of Dad and Step-Mum acting as our "mortgage lender". We have a three year contract, with us owning 15% of the property, with the remaining loan of 85%...
View ArticleStupid q... please help clear this up
Argh.. I have had so much conflicting advice I don't know what the right process is anymore! Basically I learned the buying process as is in England (you can offer then worry about getting a mortgage...
View ArticleMortgage Insurance
Hi FTB here - just wondered if you needed to take out mortgage insurance.....I have been asked by my mortgage lender - "Full details of what provisions you have in place in case of being unable to work...
View ArticleHow can I get a mortgage wit a bed credit rating
Hi I have a garbage credit rating with missed payments and a couple of payment plans along with other bits no ccjs me and my partner are having a child my 1st her 3rd she is not working. My parents...
View ArticleAdding stamp duty and fees to mortgage
Hi all This may be a silly First time buyer question so apologies if obvious. We will be buying a house shortly and i know you can add stamp duty and arrangement fees to the mortgage itself. My...
View Articletransfer of deeds when mortgage still in both names
I am very confused and wondered if anyone could help.... I have spent the last 3 years going through court for my son and my house. I have a non molestation order and non residence order against my ex...
View ArticleC&G messed up my consolidation. need help
Hi Just need some people with knowledge of mortgages to maybe help me. I fell into arrears over the last 5 years due to a marriage breakdown and my building society contacted me a couple of weeks ago...
View ArticleNorthern Rock - Refund / Rebates?
Has anyone heard anything about the northern rock sending letters out to everyone with a mortgage with them because they have been over charging people for their mortgages so they are giving a...
View ArticleWhen do I need to pay stamp duty and other fee
Sorry if my question is silly as I am not an expert in mortgage things..:eek:. My mortgage application is in process and my survey just done yesterday 14th Jan'13 (supposed to be on 17th Jan'13 but my...
View ArticleTogether Mortgage with Unsecured Loan NRAM
Hi, Just wondering if anyone know the current rate the unsecured loan would revert to if I sold the property and cleared the mortgage.
View Articlenew current account during mortgage application without overdraft?
I know that the general rule is not to do anything to change your credit reports during the re-mortgage process. We have a low LTV and no missed/late payments ever. I want to change both of our main...
View ArticleJoint mortgage but smaller deposit?
My little sister is looking to buy her first flat and is considering buying with a friend and getting a joint mortgage so that they can borrow more. She has been saving for a couple of years and almost...
View ArticleFTB Mortgage - Double Mind and Double Troubles
Hi All, Have used this website in the past to learn of how this mortgage process works - some great minds here :beer: I am currently looking to purchase my first property and have found the following:...
View ArticleMortgage and moving figures
I'm trying to get my head round some of the facts and figures regarding our mortgage and the possibility of moving house at some point in the not too distant future and was hoping for some advice. Our...
View ArticleFirst Mortgage Payment 'Issue'
Hi Everyone I think I've got the right forum, but I'm after a bit of advice with regards to our first mortgage payment, which our mortgage provider thinks they have taken, but they haven't! We recently...
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