late cc payment after mortgage agreed
Im pulling my hair out as my other half has just told me that his credit card was paid late last month as he didn't receive his original statement (and never thought to chase it up or check when...
View ArticleMajority Percentage Deposit - How Does this Affect the Mortgage?
Hi everyone, I am very very lucky to have been given an opportunity by a family friend to get on the ladder in London. He has offered to invest a large chunk of money in property with me. He will put...
View ArticleMortgage for company director
Hi everyone, really hope you can help. My husband set up his business just over 2 years ago and it's going well. He's a company director (not self-employed) and has 3 staff (if that makes any...
View Article85% mortgage persimon loan
Hi I have been living in my house 4 years and have had a letter about paying the 15% back . Would It be possible to add the 15% to my mortgage or do I have to move out in the years I'm not sure what is...
View Articlecommission payments - how does a lender treat them?
My sister is looking into buying her own home but is on a mixture of salary plus commission. Currently her income is split 50/50 basic wage/commission. 25k/25k Shes earned these levels in the same role...
View ArticleWorried About Mortgage Application.
Hi, Just looking for some advise really. My husband and I are applying for a mortgage in the next few months. We do not currently have one due to us selling our house and decided to go into rented...
View Articleproduct fee
Just a question about product fee. when it says non refundable does that mean if you get declined your mortgage you lose your product fee.
View ArticleChallenging late payments
Hi, I've been reading this forum for some time (lurking, if you will!) because I am currently going through a mortgage application. I'm waiting for approval (fingers crossed) having had DIP accepted. I...
View ArticleCan i afford to buy second house?
I am wondering if i would be able to buy a new house to live in but keep my current house to rent out. I own my current house our right. its a 2 bed terraced house worth about £150K. I could rent it...
View ArticleMortgage Advice Following Split From Partner
Hi All, My partner and I have decided to go our own separate ways after seven years together. We also have a two year old son together. We bought our house (new build) 2 years ago, which she is still...
View ArticlePossible reposession
My partner is being threatened with repossession. Can he put me on his mortgage? I already live with him and am working full time
View ArticleResolving credit report issues to get a mortgage
Hi All I am a newbie to the site and am hoping you financial whiz kids might be able to advise me. I am currently trying to buy a house- a fairly simple process until the dreaded credit report gets...
View ArticleBad credit and need a mortgage ASAP
Hi, Thanks for taking the time to read this message, I really am in a pickle and dont know where to turn. Back in 2010 my mom sadly passed away very suddenly and as she and her partner (of 20 years)...
View ArticleMortgage vs Student Loan
Hello Just a question really, it says on MSE to always pay your mortgage over your student loan due to the interest difference, but what if you have a 0% interest mortgage? I'm lucky enough to have...
View ArticleMortgage advice
Hi, I need an advise about securing a mortgage. I am a new buyer living in UK under work permit.I was wondering if someone have the experience to secure a mortgage being on work permit for less than...
View ArticleInterest on top of interest only mortgage
Can anyone shed some light on this. I have spoken to my lender and I'm still no clearer. I have a interest only mortgage. I have been in arrears over the years and have overpayed each month to clear...
View ArticleRemortgage with 2 defaults
We are thinking about remortgaging to do a few essential jobs around the house. But, my husband has 2 defaults on his credit file from 3 years ago, combined they are just less than £1000. Our house is...
View ArticleRemortgage with joint ownership, one abroad
I own a buy-to-let property 50:50 with a friend who now lives abroad. We are currently on a high rate with our existing lender and trying to remortgage elsewhere, but I am unable to find a mortgage...
View ArticleIf i am inheriting an estate
which is a house , and we have accepted an offer on that house (informal , and a gentlemans agreement at this stage) , when i go to a mortgage provider , am i a FTB ?
View ArticleMortgage time !
Hi all,it's remortgage time. What's best to do ? Just come out of a 5yr fix at 5.89 All good credit, House is worth 150k 81k to mortgage,over 20yrs. Got 20k savings,thinking of getting a offset...
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