Mortgage - application & underwriting query
Hi, We've just applied as first time buyers with Halifax, decision in principle etc fine, handed over all requested paperwork, paid for and had survey & valuation done which have come back fine,...
View ArticleMaiden name on Passport
Hey! Hope someone can help me out here! My passport has still got my maiden name on it, I understand I have to give this for ID for a mortgage application, so will this affect it? All other things like...
View ArticleRelative paying fees
Hi, we are looking at getting an 85% LTV with Halifax (supposed to be submitting application tomorrow at the branch but looks like we may be snowed in!) We have the deposit waiting in our savings...
View ArticleMortgage jitters
Hi guys, Just seeking some advice on a woolwich joint mortgage application. Myself and my girlfriend are finally taking the plunge and buying a place together. The process hasn't been smooth and...
View ArticleMortgage income/expenditure
I have just completed 25 years of an endowment mortgage started in 1987. Unfortunately, the endowment hasn't paid the whole amount. I still have about 8k to pay. I am on benefits and DLA. In theory...
View ArticleOnline HSBC Mortgage Appliction
How easy is it to apply for a HSBC mortgage online, can anyone briefly explain the process. I have no experience in this area as i normally deal with a broker. Thanks,
View ArticleMortgage advice on buying a house with equity
Hi we have the chance of buyer our council house that as been valued at 150.000 for the price of £88.500, when I spoke to Barclays they said that there were lenders that would use the equity as a...
View ArticleMortgage advice, two properties.
We have a 1 bed flat currently valued around £65K, owned outright, which is now in the process of being rented out, we expect to get around £375/mth after management fees. We would like to purchase a...
View ArticleRemortgage - stay or go...? Advice please!
My mortgage is due for renewal - I'm currently with First Direct who have a fixed rate for 5 years at 3.69%. Nationwide have the same 5 year fixed rate for 3.19% with a £99 booking fee. I've been very...
View ArticleRedemption Question
We have been overpaying our mortgage slowly until this month when the amount we owe is finally under £500. I therefore wrote to Nationwide asking them how much to redeem the mortgage. Today I have had...
View Articlerandom mortgage audit
A little info needed, we were told last week our mortgage was offered subject to valuation, valuation took place monday, were told yesterday morning valuation was satisfactory. However, i phoned bank...
View ArticleDeciding whether to pay early redemption fees to remortgage
Hi all. We're on a 4.99% fixed with three and a bit years to run. Early redemption charges step down each year, in a few months with three years to go they would be 4% of the original balance, so...
View Articlesaving to buy a house
Here's a way to do it. It wouldn't have suited me but it might suit some. http://blogs.telegraph.co.uk/finance...ions-and-isas/
View ArticleOverpaying a mortgage
I have a mortgage which is part repayment and part interest only split a third and two thirds respectively. I can overpay 20% of my monbthly repayement with no penalty. I want to reduce the asmount of...
View ArticleHow strict is LTV on mortgage deals?
Hi, I plan to move my residential mortgage to buy to let when my current deal expires in the next couple of months. There is a good rate available with my current lender up to 75% loan to value. When...
View ArticleDazed and Confused
Hiya, sorry to be such a dunce, but really could do with some help from someone who understands mortgages. I have three questions 1. We took out our mortgage (which they now say isn't a mortgage but a...
View ArticleNationwide Mortgage Application What are your thoughts?
Hello peeps Hope you all can give me your opinion to ease my stress :) Our offer on a house have just been accepted and is currently going through application with a broker who recommended Nationwide...
View ArticleRemortgage - 5 year fixed or life BR+2.04%?
Hi, I am currently remortgaging my property and I am hesitating between two products: The first product is a 5 year fixed rate of 2.95% and a fee of £695 with Accord Mortgage The second product is a...
View ArticleMortgage Offer and further credit checks
I've had my mortgage offer since mid December and are due to exchange contracts within a couple of weeks. My OH and I have decided to combine our finances, so we thought about adding him to my HSBC...
View ArticleAm I entitled to a valuation refund?
OK, so this is a bit of a complicated story. I went to my bank and asked for a mortgage. They effectively said no problem, credit checks were fine so I paid my money for a valuation. The next day, they...
View Article