Poor credit. Mortgage? Plan of action?
I plan to get a mortgage in about 3 years time, however I've just checked my Experian credit rating and it is 635 (poor) and I would like advice as to what is my best course of action over the next 3...
View ArticleLending criteria - Info request
Hi I'm a few years removed from mortgage advice and am looking to get some information as it seems more difficult than I remember to get hold of lender's criteria. Mother is looking to buy her house. -...
View ArticleDeposit indemnity is this a joke?!
To cut a long story short our solicitor has decided to tell my partner and I 1 week prior to completion that they won't act for us unless we take out an insurance product that covers the sizeable (50k)...
View ArticleEndowment matured
So, the 25 years are finally up and the endowment policies have produced enough cash to pay off the interest only mortgage. However, there's actually few months before the mortgage end date. The...
View ArticleIng direct changes after barclays took them over
Hi I have a mortgage with Ing direct uk for a uk property in which i originally lived but then moved out as i was posted abroad. Ing then levied a 2% increase on the interest rate i was charged. I have...
View ArticleOpen Credit when applying for a mortgage
Hi everyone, Hoping someone can help me! My husband and i are about to apply for a joint mortgage with my husband already having a mortgage and me being a first time buyer (he own our house and we are...
View ArticleCan I keep current Mortgage if Let out property?
Hi, I've been trying to sell my property last 6 months with no luck so far and I potentially need to move for work in the next couple of months. I have a mortgage with Nationwide that was a 5 year fix...
View ArticleGambling and mortages
Hi i have been accepted for a mortgage but now they want 6 months bank statements i am a little worried as i do a bit of gambling which will show on there, there is quite a few £10's that go out of my...
View ArticleFirst payment
Good morning, I've done some searches on here and on the internet but can't seem to get a definitive answer. My mortgage is with Yorkshire Building society I'm due to complete on March 27th but I'm not...
View Articleoverpay OR save for next deposit
Hi All Bought a house last autumn on 2 years fixed mortgage at 5.6%. This year we can overpay our mortgage on a monthly basis. But, we are planning to move to a bigger house, hopefully next year. So,...
View ArticleRe-mortgage after Trust Deed/IVA.
Hi, Has anyone had any experiance of remorgaging after an Trust Deed/(IVA in England)? How soon is possible? I have been told 12months minimum. All I get told are guesses from Brokers not from anyone...
View ArticleRemortgaging
Our fixed rate mortgage with Halifax comes to an end on 30 April this year - when are we able to sort out a new fixed rate?
View ArticleContractor Mortgage
hi I approached a main street lender looking for a Mortgage for about 175K on a 400K property. I explained how I am co-owner(50% shareholding) in a company with Gross profit of circa 190K. significant...
View ArticleBank or Ireland - Increase of "differential" !
Back in 2004 I took out a Bristol & West Base Rate tracker mortgage at .89% over the Bank of England Base Rate. In 2004 .89% was a high rate as I was self employed and had to pay a premium rate....
View ArticleFirst time buyer buying from Dad
I am a first time buyer and my dad has purchased a house which me and my partner are buying off him after extensive renovation. The property is worth £117000 and we need a mortgage for 105000 the...
View ArticleMortgage application
Hi there. I've seen a reply to a post on here before about mortgage applications being classed as A B or C. Can anyone tell me what that means? We only been asked to supply 1 months wage slip and 1...
View ArticleEmployee reference
Hello everyone - sorry if this has come up but i'm a bit of a worrier and just wanted to know if anyone knows what Nationwide ask for in an employee reference? Does anyone also know if they count...
View Article24 hours to decide on Nationwide URGENT HELP
Hi all We have been offered a mortgage of 194k over 25 years from Nationwide. Its a five year fixed at 3.24% then its onto the Standard Variable Rate (SVR) whatever that will be in five years time....
View ArticleMortgages / Brokers Are A Nightmare
Hi All, Have been working as a contractor for nearly a year now operating as a limited company. Thought I would look at getting a mortgage for moving home, wish I had never started its a nightmare. I...
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