halifax mortgage advisor totally messes up-what now??
I got a phone call from Halifax in January to ask if I wanted to meet their mortgage advisor to review my mortgage. I agreed to this as I had decided to ask for a 2 month mortgage holiday to help fund...
View ArticleHow to obtain Consent to Lease from Halifax
I am looking to obtain a consent to lease from my mortgage broker Halifax but they are asking me to go onto a new rate that will increase my monthly repayments by £100 and mean that I will lose money...
View ArticleMortgage Protection Plan
Hi, I am after some advice regarding a multi purpose equity plan for mortgage protection that my partner and I took out in 1996. It was taken out seperately from the mortgage, with GAN (now ReAssure)....
View ArticleDirector (Self-Employed) Mortgage Using Two Different Company Accounts
Hi all, I'm currently in the process of trying to get a new mortgage (I have been with HSBC for the last 5 years). The problem I am having is that as I am a company director (treated as self-employed...
View ArticleAdvice sought for low paid Company Director
Hi, Have been searching through the threads to see if any similar circumstances but not found any. Would greatly appreciate some advice. I think I am unlikely to secure a mortgage transfer but would...
View ArticleMortgage Protection Plan
Hi What can I do if I have a mortgage protection plan for sicknes and unemployment but it isn't going to pay out even though I'm going to be unemployed for sickness reasons. Do many MPPI 's actually...
View ArticleChallenging remortgage valuation.
Hi there, I would like to share my story and perhaps get some valuable advise from the monesavingexpert community. I purchased my flat in Q3/2010. According to home report it was valued at 145k. I paid...
View ArticleDoes anyone know l&g final bonus for 2013
I have a with profit endowment maturing in July does any one know what I can expect in final bonus?
View Articlemortgage advisor question. help please :)
sorry if some of these have already been asked but im wondering if anyone cold help me? we live in a housing assosiation property, and they have just phoned me to see if we would be interested in...
View ArticleAIP gone directly to underwriters...HELP
Hi All After our unfortunate experience trying to buy our first house last year which collapsed at exchange, we have now found another property. We have made and offer and had this accepted. The EA...
View ArticleMortgage for husband only - visa-related
I am soon to be married and we will complete a purchase of a home after the wedding. We are both from abroad; he has indefinite leave to remain (ILR) but I am on a different visa with less than a year...
View ArticleTo fix or not to fix...
Hi all, I'm coming to the end of my current 2 year fixed term mortgage which was at 4.49% and am working out my options. I've been offered another 2 years at the same rate but I've also been offered a...
View ArticleFinal credit check concern...mortgage completion
Due to complete with Halifax on Friday. Iv not taken any new cards out but use my tesco cc for spending for points and payoff monthly. Just check credit report & they showing my last month balance...
View ArticleLondon & Country
Hi, Newbie message ! Has anybody else had problems with London & Country?, I know Martin rates them, but on the basis that they will not phone me back I can't comment other than to say that a...
View ArticleExpected retirement age?
Just wondering why banks ask you to pick your own retirement age (calculators), when I thought this would be limited to 65/67.
View ArticleCan I get a mortgage as a temp
Hi Guys, Could anyone tell me if i would be able to get a mortgage under these conditions: I'm 25yr old male, have a temp job that pays me £16,000 per year for the last 2 years. I also am a sole trader...
View ArticleTaking the biggest mortgage i can out
Hi All, In need of some expert advice again. I am currently in the process of looking for a house and have been quoted that from a broker the max i could borrow is £222,000, so would mean i could get a...
View Article5 or 7 Year Fix
Hello Can anyone provide any comments on whether to fix my mortgage on a 5 or 7 year fixed rate? My current deal comes to an end at the end of May and I have been to see my existing lender today and...
View Articlemaking an offer
How do you know what a suitable offer is for house is likely to be accepted. is it what you think the property worth?,Or how much do want the property?,Or just a random figure you believe will be...
View ArticleHow do lenders calculate possible lending?
I suppose all lenders may be different but how is possible lending calculated these days? Do they work on income multiples any more? What happens about loans etc are they deducted?
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