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Found 8 results

  1. Hi All, I have managed to find a lender to remortgage my house. The solicitors acting on their behalf are asking to clear all the restrictions on the property as well. I am debating why do I need to do that? after reading the below link I feel I can get rid of restriction when I am about to sell http://forums.moneysavingexpert.com/showthread.php?t=1839539 Please advise if there is any solution? Thanks Bill
  2. All I will try and keep this succinct. I remortgaged my house in December 2017. Taking additional borrowings of £43k. the reason for this was my new partner and I had just started living together in my house. He gave up his rented place. He brought no equity to the table. I had approve 65% LTV. The reason for the additional borrowings was an extension and loft conversion. At the time of mortgage application both of us were working. The mortgage completed on 9th Dec. one week prior my partner told me he had resigned from work and effectively had no job. my mortgag
  3. Morning all, Just wondering if anyone can see anything wrong with this agreement which might render it unenforecable? Thought i had read something a while back regarding the ppi needing to be outlined seperately as opposed to being set out as here. If there anything else anyone can see is not right also, please say. This might be a bit of a tricky one if is not enforecable (long story) will fill peeps in at later date once know basics of where stand with it. Many many thanks as always, Mpols x im very aware how busy the forums are at the mo, so just going
  4. Can someone help me with my question? I need remortgage and on experian I have almost excellent scoring and HSBC has the best deal for us, so i need to know which credit agency they using. Thank you
  5. We were granted planning permission for a rear and side (wrap around) extension which doubled the floor area of our very small bungalow. The approved drawings showed that all of the walls except the front facade are to be demolished and a completely new roof structure is to be constructed. All work is being carried out under Building Control supervision. However, a local busy body complained that we are undertaking more than just an extension. The council have agreed and requested that a new application for a new build/rebuild is to be submitted. The enforcement officer has been involved
  6. Hi...We live in a shared ownership property and need to try and buy our home outright this year. We are not totally certain that we can do this but have to try. The thing is that whilst we have been trying to get a guideline as to rates we have been given conflicting advice as to whether this would be a remortgage or a mortgage. We have assumed that it will be a remortgage but we have been told that it will be termed as a new mortgage. Can anyone clarify please? Many thanks
  7. This was some time ago now so my memory of it is a little rusty, although I did find a letter I wrote to NRAM at the time which seems to detail most of what went on. I don't have a copy of any reply from them so may send an SAR to see exactly what went on. Basically I was on ISMI with DWP to pay the interest part of my mortgage while in receipt of Income Support. We remortgaged our existing Northern Rock product to a new one with them for a better rate but with no new borrowing. The account number changed and I was not aware I had to notify DWP that we had a new account. Consequently
  8. Hi Guys, I had a disagreement with Severn Trent Water some years ago which ended with them getting a charging order on the property, I understand what this means basically that if I sell they will get their £2500. I currently owe 25K on my existing mortgage and property now worth 225K and was thinking of re mortgaging the home for around 60K this would clear all my debts, C/Card and a car loan and of course the water bill mentioned. It would put me in a nice position having a good fully disposable income of around £1100 pm after all bills and about 20K back up for perhaps some specia
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