Mortgage application with Precise Mortages
Hi all, I have given in my full application and my mortgage broker advised me that all the underwriting has been done and they are awaiting Valuation. How long does it take for the valuation to be done...
View ArticleRemortgaging & transferring equity query
Can anyone please answer my query as ive spoken to so many people today and still dont have an answer :( I am currently seperating from my husband and we have agreed that i will take over the mortgage....
View ArticleMortgage application complaint
We are in the process of moving house and spoke to our current mortgage lender Santander 3 months ago to start the mortgage application process. Everything started well and we had the DiP within a week...
View ArticleHelp to Buy Joint Mortgage 1 applicant bad credit - success likelihood??
Hi guys, First time poster, long time reader. My gf and i are looking to buy a new house on the help to buy scheme. The house value is £160k. We have at least 10% deposit (£16k), with the scheme...
View ArticleConcent to let time / buy to let
I have a Santander mortgage for the last 7 year and my personal situation have changed and I might have to let my house and stay with my family for sometime. I have spoken to the bank and they said I...
View ArticleHSBC Decision Obtained - meaning?
I submitted my mortgage application online and now status says "Decision Obtained". They asked for documentary evidences thru post. Now my question is, how can they reach to a decision without seeing...
View ArticleMortgage Offered
Finally after what seems forever and several hill climbs we have heard from our broker that our mortgage offer is in the post!:T Once offered do lenders honour them? FTB! What happens next?!
View ArticleCurrent deal running out - Need some advice
Hi, We signed up to a 2 year fixed rate deal which is due to expire in December. Wanting to avoid the banks SVR which is almost 2% higher than what we are paying at the moment I would like to fix for...
View ArticleSpecialist mortgage
Hello there, My husband and I are looking to buy a house which doesn't have much of a kitchen and would like a mortgage that would release funds to allow us to build a kitchen taking in the existing...
View ArticleEquity release SOS
Hi SOS out to all you clever MSE people out there my mums mortgage is due to end next year. She has £220k equity on the house and she needs £180k. I know she can not get the whole amount through the...
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MSE News: People over 40 'denied mortgages'
New research suggests homebuyers over 40 are being denied mortgages because they will retire before the term is up ... Read the full story: People over 40 'denied mortgages' Click reply below to...
View ArticleCredit Rating Excellent but 1-2 red flags - Will I still get a mortgage?
Ok, so - Applying for a high LTV mortgage (5% deposit). - Credit score experian = 999/1000 (Excellent) - Credit score equifax = 507/500+ (Excellent) - 1 defaulted payment of £25 in 2011 (which still...
View ArticleVirgin on ridiculous
Wanted to talk to someone from Virgin about a mortgage in my wife's name. Learned that the only way we can do this is by telephone. We can visit Virgin shop and they will provide the line but...
View ArticleValuation complete - How long now?
Just heard valuation has been completed by my lender (Woolwich) Can any of you experts explain to me 3 things: 1) is the next step the offer? (assuming all is ok with valuation) or is there another...
View ArticleMortgage advice.
My husband (because of my past stupidity and not so great credit rating - late payments due to previous DMP) applied for our mortgage with his father for our first home. Successful. Great! But due to...
View ArticleHow many months wage slips required for mortgage application
I am looking into getting a mortgage to buy a property but have recently started a new job so I am just wondering what the usual criteria is regarding how many months payslips I will need to provide...
View ArticleStudent buying property in their name
Has anyone seen any articles relating to a student buying property? Daughter is currently renting, but has a few years to go at uni (doing medicine) so is getting a trifle tired of renting. Yes, the...
View ArticleMortgage options advice please
Hi everyone, I need to relocate nearer to family (more expensive area) I am looking to borrow £85-100k max. LTV is 20-25% as a sole applicant. Deposit from intended sale c 450k for a family home near...
View ArticleUnmarried couple mortgage: one bad credit one good credit
Hi, I'm after some advice if possible! Myself and my Fiance want to apply for a mortgage however I have bad credit and he has excellent credit. (£700 default from a credit card whilst at university in...
View ArticleFirst time Mortgage, Director of Ltd company
First time poster here. Me and my girlfriend are looking to buy our first house together around 200k. I have around 40k to put down as a deposit. The problem is i have recently started contracting...
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