Early remortgage for a buy to let
Hi all, In jan 2012 I bought my house for £160,000 with a £40,000 deposit. My dad has recently inherited a house worth £200,000. His brother wants to sell his half, but my dad wants to let it. I am...
View ArticleFTB clarification would be greatly appreciated...
Hi everyone! So, my partner and I are looking for our first property and I would really appreciate a little clarification on some points. Our current situation is as follows: My partner is making a...
View ArticleRemortgage...
Hi all I have applied for a remortgage and everything was going fine until the bank contacted my employer. I have worked for them or about 18 months and on a regular basis I work 45 - 55 hours a week....
View ArticleHalifax application
I have applied for a mortgage through my lending advisor and they recommended halifax. It was for a new build property. Halifax emailed my advisor back and were happy with my credit history and they...
View Articlemortgage with defaults
Hi, I am looking for a mortgage however struggling, I work f/t with the same company for 12 years earning £22000 pa. I have had bad credit in the past of small amounts that are £415 default 4/9/09,...
View ArticleMortgage Advisors
Hi, I am just looking for some advice on how to find a mortgage advisor and if its best to see an independent advisor or go to someone aligned to a bank or building society. My partner already has a...
View ArticleRe-mortgaging Help
HI This is my first post on the forum so bear with me !! My mortgage is up for renewal in April and this year I want to either find a new broker or try and find a good deal myself. We are currently...
View ArticleFirst time buyer; just after a bit of advice?
Hi all, I'm looking to buy somewhere quite soon, and I'm new to the world of mortgages etc and somewhat confused(read the mortgage guide offered by MSE, as well as one offered by Nationwide)....
View ArticleMortgage with Temporary contract
Hey Money saving experts, My partner and I are looking at getting a mortgage, I am employed on a permenant basis on £26k pa. He is on a rolling contract, (just renued for 6 months) on about 45k pa. We...
View ArticleTerm extension
I have an interest only mortgage due to expire in March 14 for £54,000, current house value £160,000. My problem is this:- I have three endowments on this property that all mature at different times....
View ArticleIs There No Hope? Consolidation Re-mortgage
Hello everyone and thank you for taking time to read this. I fully understand the warnings about consolidation, but I feel this is the best option for me. I'm hoping someone may be able to give me some...
View ArticleRemortgage - legal advice
Hello, My fixed rate deal is due to end in March, and I'm considering whether to remortgage or go onto the bank's SMR. If I remortgage either with my existing provider or a new one, do I need to retain...
View ArticleMake overpayments so why does monthly repayment barely change?
I have a repayment mortgage (tracker) and I've made overpayments where I've been able to. My mortgage lender automatically recalculates my monthly payments if I make an overpayment that's equivalent to...
View ArticleRbs one account
RBS One Account has removed all details of their mortgages from their website with the reason that staff are undergoing training. Might be nothing but not seen this in all the years I have been a...
View ArticleNottingham Building Society
As part of their application form, they ask "In the last 7 years.. have you been bankrupt...". If I hadn't been, and I ticked no, I assume that even though they would find out I had been before 7 years...
View ArticleGetting a mortgage with a default
Hi everyone, My first post and I really hope someone out there can offer me some advice as I'm a little out of my depth! My wife and I are in the process of looking for a new house as we need more...
View ArticleUrgent Mortgage Help
All, If anyone could advise I'd very much appreciate it. We have recently had a decision in principal come through from Coventry BS, with credit check already completed and on file. I've just had a...
View ArticleJoint credit card addition during a mortgage application
Dear experts, I have recently accepted for a ftb mortgatge and currently waiting for home valuation to get accepted by the lender prior to morgatge completion. My credit history is good and only 1 cc...
View ArticleMortgage advice needed!!! Car finance or not?
Hi there I am looking to apply for my first mortgage in the next couple of months... exciting stuff! Before that I need to get myself a new car as mine has inconveniently decided to stop working this...
View ArticleLocal broker, L&C or direct?
My other half and I need to make our minds up on a mortgage for our first house together. We went to see the in-house broker within the estate agents that we are buying from. They were pretty much...
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