can i get a standard mortgage
in june 2010 we bought a house for £113,000 and took out a 3 yr fixed mortgage from the natwest, on a let to buy basis. what happend was the house we had sold, fell through, with a few weeks to...
View ArticleBank of Ireland has just increased my mortgage by 256% !
Bank of Ireland have just told me that to 'hold more capital reserves' they will increase the mortgage rate differential from base rate +1,75% to base rate +4.49% a 256% increase ! They say my mortgage...
View ArticleWhere to try next?
Hi we are hoping to move to a bigger house. My partner and I have seperate mortgages. I have permission from the lender to let my house and the rent I recieve more than pays (£250 left over) the...
View ArticleSmall Mortgage/loan possibilities
Hi I am after some help if possible! My partner and I live in a house that was left to him by his father who passed away August 2011. The house is still currently in his mum and dads name (his mum is...
View ArticleMortgage rate mystery - does 'interest only' actually exist for older borrowers?
I keep reading that such and such a lender is 'offering a 2 year fix' at such and such a rate. Great. But on what basis? I have usually taken this in the past to mean an interest only situation, but...
View ArticleNationwide Mortgage - advice needed
I have a DIP from Nationwide for a mortgage for £128,000 in a shared equity new build with persimmon based on a 5% deposit. On the DIP they are asking for: Most recent payslip P60 Proof of address...
View ArticleMortgage app - will these be an issue?
Hello Really quick one. We have sold my fiances property and temporarily moved in with parents so as to be "chain free" (and because it's taken a year to sell and we didn't want to risk losing the...
View Article'Previous Searches' v 'Financial Associate Searches'/Experian?
Hi, My partner and I hope to be applying for a mortgage soon so i have got my credit report from Experian. I have 3 entries under 'Previous searches' but 7 under 'Financial Associate Searches' where my...
View ArticleVoluntarily Surrendered my Flat...C&G Want Me To Complete and Sign Forms Now
Ok...so I handed the keys along with the letter as detailed below into my local branch of Cheltenham & Gloucester. Next day I got a phone call. They want to send me out forms to fill in and sign....
View Articlemortgage advice - stick or swap?
I am in the process of moving to a new house. Had an offer for mine and an offer accepted on a house to move to. Looking to borrow approx 150 against a purchase price of 200 so just inside 75% LTV....
View Articlemortgage application
Hello Just a quick question , my broker is going to put in an full application on saturday with Santander , do we know the results of credit check same day ? regards
View Articlemortgage while on probation
Hello all, I'd like you advice/ opinion on our ability to get a mortgage. But first some background info.. We have been saving for a number of years and we are getting to the point where we are close...
View ArticleKeep small offset mortgage AND get new fixed as well?
I'll be remortgaging in May and am wondering if this is possible. Basically, I've had a very good experience with First Direct, but their mortgage rates, evern at around a 40% LTV aren't very good. I'd...
View ArticlePre-mortgage bank account behaviour - problem?
Would be grateful for some opinions on this from those 'in the know'... Since my financial difficulties around seven years ago I have drastically altered the way I deal with money. I have been debt...
View ArticleMortgage for Spouse alone
Good Afternoon I am not sure if anyone can advise. My husband owns a property at the moment and is looking to sell and use around 30k or the equity as deposit for our new home. The new home value will...
View ArticleMortgage Application - Undeclared Commitment
Help please!! Husband and I are currently applying for a mortgage through a broker with Nationwide. The details were emailed to Nationwide yesterday to see if we could get an agreement in principal....
View ArticleNorther Rock/NRAM arrears advice anyone?
Not sure if this is the correct area, please move if not.... Hi all, Last year, I advised my mortgage provider (N**M) that I soon would be having trouble meeting our full mortgage repayments. long...
View ArticleDo all lenders view rental income as 'secondary'..?
Further to a recent thread I posted, I have contacted Santander regarding the possibility of a remortgage with them. They inform me that they regard the rental income we have from let properties as...
View ArticleMortgage Terms & Conditions
Bank of Irelands recent action on tracker mortgages should act as a wake up call to those who are planning to take, or have already taken out a mortgage. Go through your mortgage terms and conditions...
View ArticleTo Fix with Santander in advance of June
Hi I am currently on a 5 year fixed rate with santander which is due to end at the beginning of June. They have sent me a letter offering a 2 year fixed rate at 2.99% (£499 booking fee) if I reserve...
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