Scrutiny of my deposit for mortgage
It's been a long time since I applied for a mortgage. My mortgage adviser says he needs proof of my deposit for my BTL. I didn't anticipate this as I thought I didn't need my deposit until exchange. I...
View ArticleMortgage Help Please
If anyone can help or offer advice I would be very grateful. We have a mortgage with HSBC that has run out so we are on SVR. Can we just ask to move to another product that would work out cheaper and...
View ArticleStandard Life - Error in calculation. MEP Remediation.
Hello, I had a Homeplan endowment policy with Standard Life and I was paid in Feb 2008. Now in 2013 (5 years after the final amount was paid) I received an unexpected letter through the post saying I...
View ArticleTMB (Halifax) - Interest-only swapped to repayment
Hi Folks, Around 2000 I took out a self-cert interest-only mortgage with TMB (a division of Halifax). I increased the mortgage around 2005 to pay for an extension. Around 2008 my finances improved so I...
View ArticleSave towards deposit or pay off credit card?
Hi all not sure if I should post this here or the debt free section but here goes. I've decided to start saving for a house deposit. I've currently got 1,500 saved up and can afford to save between...
View ArticleStruggling to find a Mortgage
Hi All My brother and I are interested in Investing in a buy-to-let property however we are yet to find a lender who will provide us with a mortgage due to our slightly unusual circumstances. We both...
View ArticleEarly Deposit?
We are one (two?) of those FTBs who are nightmares to sell to because ING are taking their sweet time over getting a survey scheduled in. Understandably my sellers are getting very impatient (the place...
View ArticleMortgage Advise
Hi All, Just after a bit of advise please. My husband & I want to buy a house together, we currently live in his house mortgage in his name. I moved in when we got together, at the time I had my...
View ArticleGifted Deposit from parents - liklihood of getting a mortgage?
Hi, I was hoping for some preliminary advice before I got a broker in. This is the story: I moved from my last house and couldnt sell it so I rent it out. My parents (very kindly) bought the house we...
View ArticleNationwide - What is going on guys...
Hello, My moan is as follows... Branch mortgage application done last week. Everything was "OK" and valuation was pencilled in for Monday. Get a text message on Monday saying its going to be done on...
View ArticleDo we really need a will?
Hello! wasn't quite sure where to put this.. ...my husband and I are recently married and have just had an offer accepted on a house. We're now going through the whole mortgage process and the...
View ArticleContractor and mortgage
We are first time buyers. My partner is an engineer and after working for the same company he was made redundant and started his own company and is now a contractor. He has been a contractor for almost...
View ArticleNo obligation to clear credit card balance?
I recently received a mortgage offer, from the Halifax, through a broker that I suspect is a bit dubious. The offer states, in the conditions, that I have agreed to re-pay all or some of the credit...
View Articlewhen best to complete a mortgage
hi all to avoid the broken interest that the banks charge on your first payment, if I plan say to pay my mortgage on the first of each month, is it best to complete the mortgage at the end of the month ?
View ArticleMortgage Audit after completion?
We completed our House purchase a while ago without any problems, and today I got a call from our Broker asking a few questions that the Mortgage Provider had put to him relating to our applications,...
View Articlelegal cost for altering names on mortgage
Good Evening, My bank are transferring our joint mortgage into my husband's sole responsibility. Is it possible for me to save solicitor's fees for this name change by drafting my own letters? What is...
View ArticleFirst time buyer worried about mortgage
Hello, I have followed all of the steps listed in the mortgage guide, updated all my address's on old accounts, closed any open but unused, got on the electorial role and so forth. Not only that but i...
View ArticlePlease help: house purchase - no completion certificate?
Hi all, this is my first post on the forum: here goes-: Myself and partner are in the process of buying our first house, the property we are buying has been extended and has all relevant planning in...
View ArticleLooking to remortgage
Hi all new user this site and wondered if anybody could give me some advise? Luckily at the moment I am residing with family and friends... I have a flat that has an approx value of 115k that I have...
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