There is hope!
I just wanted to post this for all the MSE users and lurkers who, like me just a month ago, are feeling bewildered and scared of how on earth they will get a mortgage with their less than A++...
View ArticleMoving home with negative equity.
Hi all, Me and my wife currently own a 2 bed mid terrace with no garden with £67k left on the mortgage, our house is valued at £55k. There is a house for sale further up my road (a 3 bed semi with a...
View ArticleFirst time buyer not on great income
Hello just looking for some advice really.... I am 21 male, on around 13k plus bonuses i am looking to get a mortgage. i could get a good house around me for 60 - 65K (lancs), over the last few years...
View ArticleLloyds *##@* up
Hi all, I dont know if this is the correct place for this and I apologise if its not. I was approved a mortgage through lloyds last thursday and told the offer was being sent to me that day. Yesterday,...
View ArticleNew Build Completion
Hi, Myself and my partner have reserved a plot on a new build, with estimated completion date as June. Due to rental and financial commitments we have informed the developer that we are unable to...
View ArticleNationwide Mortgage arrears statement?
Help! I've just got in from work to a Nationwide Mortgage arrears statement, and now it's gone 8pm and I can't call anyone who can help explain what it's all about, and could do with some reassurance...
View ArticleRemortgage query: Urgent
Hello fellow MSE's, I was on a 2.9% Natwest Tracker Mortgage and this deal has come to an end. I was out of the country for the last 3 months and have comeback to find letters from Natwest asking me to...
View ArticleMortgage application
Morning all, This is my fist post so go easy. I have had a look round but can find any information. I have applied for a mortgage to buy my first house, unfortunately just days after my application , I...
View ArticleHelping my Brother to purchase Right to Buy Flat
Hello everyone, I have recently had my house valued prior to selling and was amazed when it valued up 40k more than I thought it would. This is fantastic, but as my Brother has helped me out so much in...
View ArticleRemortgage with a Taylor Wimpey Equity Loan
Morning All! I was a first time buyer and bought myself a new build from Taylor Wimpey on a First Time Buyer Scheme. This scheme was a 5% deposit, 15% equity loan and 80% mortgage The equity loan is 0%...
View ArticlePicking up keys on exchange day?
Hiya, Its completion day! :j My solictor called me to say I can pick keys up from the estate agents, but rather then walk down thier and find that they didn't have them I gave them a quick call. They...
View ArticleEndowment payout help
Hi, My mum recently passed away and it turns out that the death certificate is going to say she died from hypothermia whilst intoxicated. Is this going to effect the payout of the endowment policy?...
View Articlemortgage overpayments penalty free - !0% of what?
Hi folks, I have a fixed rate mortgage which allows 10% overpayments each to be made each year without penalty. But 10% of what? When I phoned last month, I was told it was 10% of the balance as at...
View Articlewhen does your credit history get checked
Ive put my application in for a mortgage :j Before my mortgage adviser sent it away he mentioned something about my credit history being fine. Does that mean hes checked my credit history already?
View ArticleNew Mortgage speed record! Hats off to the Post Office.
If anyone needs a fast mortgage the Post Office seems to be running on greased lightning! Sunday evening: Full application submitted, instant approval subject to underwriting and Survey. Monday: call...
View ArticleEmployee reference on letter head paper
I am hoping to move and have applied to port my mortgage, asi get paid cash I have to have a reference from my employer confirming details of my employment. It has to be on letter headed paper. We are...
View ArticleNatwest 10% Overpayment Limit - How is it Calculated?
Hi All, I'm considering overpaying my mortgage with a lump sum but am restricted by a 10% limit per year. If I go over this I'll be hit with a hefty early repayment penalty so want to know details of...
View ArticleMortgage Offer
Hi, Our broker received an email on Tues confirming our mortgage offer (Santander). Does any-one know how long we can expect to wait for our copy? Thanks D80
View ArticleDoes Overpaying a Mortgage Help You Get A Mortgage Holiday?
Hi, I'm facing redundancy so looking at options to protect my mortgage for possible hard times ahead. One Idea I've had is to use some of my redundnancy money to 'max out' my mortgage overpayment...
View ArticleCGU Mortgage Endowment Promise 2000
In 1987 I took out an Endowment with CGU for £43,700. In 2000 CGU issued their mortgage endowment promise and said it applied to all of their endowment policies. My policy has natured with a hefty 20%...
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