Taking on parents' debt V equity release
Hi all - advice and opinons would be greatly appreciated. We have just discovered that OH's parents have a mortgage of almost £40,000. They took this out when they were 65 & 63 over a 10yr...
View ArticleLeeds BS direct tied
hi all, Looking on moneysupermarket I've found a pretty competitive offer by Leeds BS, however this is marked as "(Direct) Tied" and it does not appear on their website but only on moneysupermarket....
View ArticleDocumentation - what do I need to keep?
One thing that is clearly evident from reading mortgage threads is that people are disadvantaged and their probelms exacerbated purely by the fact that when they "hit" a problem they do not have...
View ArticleRemortgaging question
Hi, My mortgage is currently £202k, house worth £300k, orig. mortgage £245k 5 years ago.. My wife earns £32k per annum plus £5ish bonus. I earn on average about £50k per year. I want to shop around for...
View ArticleStudio or 1 bedroom?
Hi all, I have an approval in principle from a lender (chelsea BS), which apparently does not lend on studio flats. The property I've made an offer on is larger than most 1 bedroom flats (~600 sqf) but...
View ArticleNeed knowledge! Sipp,domestic mortgage and commercial mortg
Hello Glad to be back I havent been on here for ages, but now need some help peeps...I want someone /anyone who has knowledge of arranging a sipp with a commercial mortgage, and also a domestic...
View ArticleWhat is a dependant ?
I'm in the process of completing my mortgage application, I'm doing in my own name as I earn £105k a year, have £150k deposit, and only looking for a mortgage of £100K. so don't really need to include...
View ArticleSantander full app accepted... will we be ok?
Submitted our full mortgage app today for 85% LTV ratio on a £80k house purchase. The full app was accepted and it has now been passed to Santander/Abbey with bank statements, passport, payslips etc. I...
View Articlereclaim unfair mortgage fee!
My husband and I recently applied for a mortgage, through our mortgage adviser, with Coventry. We chose coventry as it was the cheapest repayments and the lowest fees. Only £199 valuation fee. We were...
View ArticleBarclays Family Springboard Mortgage?
Hi there, After thinking that our chances of ever being able to afford a house deposit were zilch for the foreseeable, my dad has surprised us by offering to pay the 10% savings deposit as well as the...
View ArticleRefused mortgage by Santander
Hi hope someone can help as panicking a bit at the mo :( Have had a mortgage with Santander for the last 8 years. Just sold my house and as i have 2 more years to go on a fixed mortgage deal telephoned...
View ArticleMoving house, buying business - problems getting domestic mortgage
... Changed my mind about posting.
View ArticleSantander Newbuy DIP - Document Question
We are going through a mortgage application in relation to buying a new build house. We have a decision in principle from Santander for 95%, our credit files are both in excellent condition with no bad...
View ArticleBarratts dream start help desperately needed - we may be forced to sell our home
Hi folks, I'll keep this as simple as possible and stick to the facts. We purchased our home eight years ago with a mortgage of £120k and a dreamstart offset of £40k. We were told at the time that the...
View ArticleBest 70% LTV Mortgages. Please Help
Hello Everyone I am hoping to buy an house for around £282,000 and have a deposit of £85,000 meaning I have 70% I have been looking for deals on best, the three best deals that stand out are Northern...
View ArticleMortgage advice please
Evening all, long time lurker here but finally had to register to ask for some advice. Me and my wife currently live with her parents, her dad has kindly offered to gift us in the region of 20k for a...
View ArticleHow can i escape NRAM!
Hi, Looking for some advice please. Me and my ex partner took a together mortgage with northern rock in 2007 for 100% of the value. The house is worth roughly what we paid for it so hopefully selling...
View ArticleMortgages without Indefinate Leave to Remain & Defaults
Hi, Im new to MSE but thought i'd give it a go. I'm in a hugely frustrating situtation. My wife is British National and I'm South African with a spousal via. I get ILR this August and visa expires...
View Article