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Questions Related To Mortgages

  • Deed of variation By Guest on 10/06/2019

    Hi there. Does a need deed of variation which has been witnessed and signed have to go to registry before completion or can it go with the rest of the documents on completion of the transaction?...

    Mortgages
  • Buying my father out of his joint mortgage with my mother By Guest on 20/05/2019

    Hi,

    My parents have permanently separated and they're not talking, neither can afford to divorce right now or is actively seeking to do so. They have a joint mortgage on a property which my mother is now inhabiting. My father is keen to sell the place ...

    Mortgages
  • 2 flats on 1 freehold deed, By Guest on 08/05/2019

    i have 2 flats on 1 frehold deed. i want to release equity on the 2 properties so I can buy another house but ive been advised I need to split the deeds so I can get a remortage on them is this correct?...

    Mortgages
  • Transfer of equity where there is still a mortgage on the property By Guest on 08/04/2019

    Hi. I have a mortgage with my sister in law. I no longer live in the house so when I moved out, we have agreed that I will transfer my share of equities to her and she will pay me back the deposit I put towards the house. My question is can she transfer m...

    Mortgages
  • i have the freehold By Guest on 27/03/2019

    My downstairs owner has changed his mortgage provider. I have received a letter stating “please see this notice of change of mortgage company in relation to the property.” I believe I own the freehold and the letter says my neighbour pays a peppercorn...

    Mortgages
  • Interim charging order on my property By Guest on 11/02/2019

    Hi could you help
    I’m in completion stage of a re mortgage on a property that I own outright
    I received a interim charging order on Saturday that has been registered with
    Land registry could you tell me if the mortgage is likely to go through
    And...

    Mortgages
  • Property rights after the deed holder dies. By Guest on 10/02/2019

    Hi,

    My sister, nan and I had a mortgage on her ex council property. She was solely on the deed. My nan has passed away and I would like to know legally where I stand. I have a trust deed that says im entitled to 25% of the property when it is sold. ...

    Mortgages
  • remortgage with interim charging order By Guest on 09/02/2019

    Im in the completion stage of remortgaging my home which I own out rite and complete in 6 days time and have just received a interim charging order from an unpaid CSA claim will my mortgage still go through........?...

    Mortgages
  • Restriction for remortgaging By Guest on 05/02/2019

    I have received an email saying there is a restriction on my property.

    The restriction reads as follows:
    RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate is to be registered without a certificate signed b...

    Mortgages
  • Mortgage offer reduced By Guest on 03/02/2019

    Halifax had agreed to port my mortgage on the condition my IVA was settled. They offered £220,000 on told me to find a house. I made an offer on a £350,000 house with £130,000 deposit. Midway through completion underwriters have said without reason we ...

    Mortgages
  • Seaches required for a remortagage? By Guest on 25/01/2019

    Hi there, Can you help. We managed to own our home outright a few years ago. We have recently applied for a remortgage to get a buy to let mortgage on the property which will enable us to purchase another property. My conveyancer has given me an estimate ...

    Mortgages
  • Higher rate LTT (Wales) By Guest on 21/01/2019

    I currently own a property in my sole name which is mortgaged. My wife is named on another mortgage with her sister for a property they bought together for her parents.
    I am looking to sell the current property we live in and purchase a new one in my sol...

    Mortgages
  • Section 157 and Remortgage By Guest on 18/12/2018

    Hello,
    We have lived in our property 6 years and completed the Section 157 agreement when we purchased it. We have remortgaged since and the S157 was not mentioned. We are now trying to remortgage again and the council have stated that we must pay £120 ...

    Mortgages
  • Deed of transfer By Guest on 30/11/2018

    How do I get a deed of transfer to my ex wife on a house with a 16.5% equity in the house to be payed to me in 2022 and how much will it cost....

    Mortgages
  • Mortgage vs Remortgage By Guest on 28/11/2018

    A and B hold legal estate and a mortgage on property. The property needs to be "remortgaged" -- the borrower for the new borrowing will include person C. Options for new borrowing are: (1) C alone or (2) C with A or B. For each option, is the borrow...

    Mortgages
  • Right of Pre-emption By Guest on 30/10/2018

    Hello, I am looking to remortgage my property that currently has a non-standard restriction in terms of a right of pre-emption at section B3 of the Land Registry title deeds. I am trying to find out if there are any mortgage lenders that would be willing ...

    Mortgages
  • Is my husband entitled to future monies or payments from my house if I'm paying the mortgage By Guest on 29/10/2018


    ...

    Mortgages
  • I am trying to get hold of a copy of the occupiers consent form I signed, however my solicitors went into administration last month. I have contacted the mortgage lender who advised they do not hold a copy. By Guest on 05/08/2018

    I am trying to get hold of a copy of the occupiers consent form I signed, however my solicitors went into administration last month. I have contacted the mortgage lender who advised they do not hold a copy....

    Mortgages
  • What does it mean if my ex husband is a second charge on the property? And what is a CH1 form ? By Guest on 01/08/2018

    I'm taking on a bigger mortgage in my name due to my ex husband coming off the joint mortgage. He is getting a charge back when I have to sell it when youngest is 18 of 20% but he wants to be added as a second charge on the property so I have to sign a CH...

    Mortgages
  • CHARGES AND LENDER By Guest on 26/06/2018

    Hi, I need some clarity please.

    In the event a property is sold with a bank mortgage and other legal charges, do the chargees have to agree in writing even in the event there is nothing left to pay.

    For example:

    House is sold for £150,000 with ...

    Mortgages
  • MIL lending deposit to my OH for our house deposit By Guest on 16/06/2018

    Hiya, We are looking at buying our first house together. My MIL has kindly offered to lend the money for the full deposit but will only put the contract in my OHs name even though she is expecting us to both pay her back equally. The mortgage will also be...

    Mortgages
  • Shopping land over By Guest on 04/06/2018

    What can I do if my next door neighbours mortgage company NRam, is holding up the sale of my house, by delaying a decision to swop like for like pieces of land with each other....

    Mortgages
  • occupier waiver form By Guest on 25/05/2018

    what is the average solicitor's charge for witnessing an occupier waiver form?
    ...

    Mortgages
  • How do I add someone to my mortgage? By Guest on 23/05/2018

    Hi there - my husband is the sole name on the mortgage and I want to be added to allow us to get a better mortgage rate but I understand that the title deeds need to be changed to allow us to do this? Just wondering if this is something I can do myself a...

    Mortgages
  • Coming off a joint mortgage By Guest on 22/05/2018

    I need to come off a joint mortgage. My ex is buying me out and I need to come off the mortgage but don’t know what I need to do? Do I need a solicitor?...

    Mortgages
  • Ex signed deed of separation but will not complete transfer of the mortgage into my sole name. By Guest on 01/05/2018

    Stated she had no financial interest in the property. Sent paper work several times but claims to have not received it.
    Has stalled the process by 3 months now.
    How do I go about getting the district judge to sign it on her behalf and issue a cost orde...

    Mortgages
  • Title completion certificate By Guest on 23/04/2018

    I currently have a joint mortgage and presume title deeds are in joint names. I am separating from my husband and I have applied for a mortgage in my name only which will include £50000 to pay him. The building society said I need a solicitor to get a ti...

    Mortgages
  • Combining properties By Guest on 15/04/2018

    I have two adjacent properties that I wish to combine. Currently both have mortgages on them. Am I able to get a bridging loan to pay off one mortgage and then combine the deeds or do I need to have both deeds mortgage free? If I can do it with one mortga...

    Mortgages
  • occupiers consent and postponement deed By Guest on 09/04/2018

    If I'm applying for a Buy to let mortgage, why would the lenders legal team ask for this document to be signed by the occupier who is not financially tied to the property? Would the rights of the tenant be covered in the tenancy agreement?...

    Mortgages
  • Property Ownership By Guest on 01/04/2018

    My son has the mortgage in his name as I was unable to get one over a longer period to make it affordable for me. There is not and has not/never been any financial expectation or contribution from him. We want to put together a document that states the pr...

    Mortgages
  • If I buy out my siblings am I liable for stamp duty? By Guest on 21/03/2018

    I inherited a property with my siblings and would like to buy them out to convert it to a buy to let. Will I be liable for stamp duty to buy them out or the additional 3% for buy to let?...

    Mortgages
  • Restrictions on the title deeds By Guest on 18/03/2018

    Hi we are wanting to remortgage our home but got into financial difficulty many years ago which resulted in serveral restrictions being placed on our title deeds. I am wondering if remortgage is still possible and how we go about this. What if we decide...

    Mortgages
  • How I got my desired loan without any stress. By Guest on 17/03/2018

    How I got my desired loan without any stress.

    I am Martha Colin, I resides in Washington. I was financially down some few months ago, and during the cause of getting an affordable loan I was scammed by three different online lenders. I had completely ...

    Mortgages
  • Early Repayment Charges (Halifax) By Guest on 08/03/2018

    Hi, I'm in the process of selling a property where my current mortgage has early repayment charges that end in 6 weeks time. Do the charges apply on exchange of contracts or completion?...

    Mortgages
  • transfer of beneficial interest in property By Guest on 30/01/2018

    In 2011 I got divorced, I now need to get a fixed rate for my mortgage as it is currently on a variable rate but the bank is insisting I get a signature from my ex. I do not know his whereabouts. The District Judge also said "THE RESPONDENT HUSBAND (my ex...

    Mortgages
  • Paying Stamp Duty By Guest on 23/01/2018

    Can someone help me please before I go mad. My daughter has split up from her boyfriend. She can not afford to pay the mortgage herself as the lender does not think she earns enough however she realises just how hard it would be to get back onto the prope...

    Mortgages
  • Mortgage and deeds in two different names By Guest on 11/01/2018

    Can I buy a flat with a mortgage but put my daughter's name on the deeds?...

    Mortgages
  • Higher rate SDLT additional dwelling By Guest on 08/01/2018

    Hi

    My partner is looking to buy a property however because he's self employed he can't secure a big enough mortgage and I have offered to take out a mortgage with him.

    I am not planning to be on the deed as I will not contribute to the deposit - a...

    Mortgages
  • girlfriend moving out don't want to sign occupiers letter of consent form bank By Guest on 03/12/2017

    can mortgage loan still go through to completion if girlfriend moving out does not sign occupiers form...

    Mortgages
  • HOW I GOT MY LOAN By Guest on 01/12/2017

    Hello everyone am very happy today I just received my loan from one God fearing woman Mrs Alberta when all my hope was lost that I can never get a loan anymore because I have been scammed by many lenders but I just encourage my self and take a bold step a...

    Mortgages
  • Borrowers Undertaking question By Guest on 06/11/2017

    I am remortgaging to make some home improvements. The lender's solicitor has asked for a signed borrowers undertaking relating to "works detailed in the valuation report". The valuation report says "The rear extension, which houses the kitchen, is of sub-...

    Mortgages
  • restrictions and remortgaging By Guest on 03/11/2017

    My wife has a flat on which she would like to remortgage. However, her ex husband has placed a restriction on the property claiming equitable interest. He has not taken my wife to court and my wife has not gone to court to get an order to get the restrict...

    Mortgages
  • Morgadge stamp duty advice By Guest on 30/10/2017

    have a flat with halifax on an agreement to lease if I buy another property for myself to live in how much stamp duty will I pay and will I be classed as a first time buyer ...

    Mortgages
  • mortgage completed but ownership not changed By Guest on 26/10/2017

    Mortgage was held in three names; property was remortgaged into one name removing two names from the mortgage; mortgage completed; 3% stamp duty paid as ownership change equalled a purchase; lender’s conveyancer did not inform Land Registry / submit TR...

    Mortgages
  • criminal record By Guest on 24/10/2017

    who do i apply for a mortgage with when i have a criminal conviction. I have 19 unencumbered properties...

    Mortgages
  • Stamp duty inherited share abroad By Guest on 20/10/2017

    I am trying to buy my first house in UK but i am confused about the stamp duty. In 2007 i inherited 50% of an apartment abroad after my father died. The other half belongs to my mother who is living there. How can i prove that my share is worth no more th...

    Mortgages
  • Stamp duty house abroad 50% By Guest on 20/10/2017

    I am trying to buy my first house in UK but i am confused about the stamp duty. In 2007 i inherited 50% of an apartment abroad after my father died. The other half belongs to my mother who is living there. How can i proove that my share is worth more than...

    Mortgages
  • Are we breaking the law? By Guest on 19/10/2017

    My partner has a mortgage on a house which is lived in by our daughter. I am unable to live in the house due to disability restrictions and rent a house from a local housing association, and of course, my partner lives there with me and is my carer. We ar...

    Mortgages
  • Letter to mortgage company to sell the garage By Guest on 08/10/2017

    Hi,
    have had a look around and unable to find a template to use to send to the mortgage company. We are looking to sell the garage which is part of a block away from the house.
    I know we need to contact the mortgage company but unsure what to add into ...

    Mortgages
  • DS3 By Guest on 29/09/2017

    Can the DS3 be done on the day of completion? My solicitor is advising it has not been provided so I cant complete...

    Mortgages
  • I am a Tenant in my property and have been for 35 yrs and i love the house so wont move! i have decided to buy a holiday home and also have 4 buy to let properties in and around the country SO would i have to pay the new stamp duty on my holiday home ( if By Guest on 05/09/2017

    So just to recap i dont own the house i have lived in and will continue living in as my main residence ...

    Mortgages
  • what advice would i give when a client is going to use a bridging loan to purchase whilst waiting on completion of their sale? By Guest on 28/08/2017

    ?...

    Mortgages
  • title insurance By Guest on 11/08/2017

    can i get title insurance if i am having a mortgage...

    Mortgages
  • Shared mortgage but sole ownership? Is this possible? By Guest on 10/08/2017

    I am selling my home in order to purchase a larger property in advance of getting married in the next year or so. In order to afford the larger property, my fiancé would need to be on the mortgage. He already owns a house outright which he doesn't wish...

    Mortgages
  • Gifting extra land to my son By Guest on 21/07/2017

    We have land in our main residential property. Which we are thinking of gifting to our son so he can build a property for himself. We still have mortgage outstanding on this property.
    What are the things that we need to consider? ...

    Mortgages
  • LOAN OFFER By Guest on 10/07/2017

    NAME: Kevin Hess
    EMAIL: hessloanfirm@gmail.com
    do you need an urgent loan to slove problems, well we offer all kinds of loan such as Business loan,student loan,investment loan,housing loan,debt consolidation loan,company loan,car loan e.t.c. at a rate ...

    Mortgages
  • Transfer of Equity By Guest on 07/07/2017

    hello, I currently have a joint mortgage with my ex husband. His name was removed from the title deeds but he has a 30% beneficial interest in the property. My new partner wishes us to take out a joint mortgage to pay off my ex husband and remove his char...

    Mortgages
  • mortga By Guest on 06/07/2017

    I have a clause 145 restriction who can I get a mortgage from on my right to buy protey ...

    Mortgages
  • Part of property transfer By Guest on 30/06/2017

    I own a house. Mortgage is still outstanding on it. I would like to add my husband to the property deeds and we will become a tenant in common. Will my husband need to pay a stamp duty ? ...

    Mortgages
  • Need to buy out my ex husband By Guest on 28/06/2017

    My ex husband has asked for his share of the house and wants his name taken off the deeds and the mortgage. The problem is that I am on benefits and unable to get a mortgage, my son has offered to help me so I do not need to leave the family home. We have...

    Mortgages
  • TAX in remortgage By nafeesuk on 24/06/2017

    I want to remortgage my property. I want to know whether I have to pay SDLT or any other tax? ...

    Mortgages
  • transfer of equity By Guest on 22/06/2017

    Hi, I bought a house with my ex and I have been trying to get his name off the mortgage now for 7 months. Yesterday my solicitor received the final document we needed from him, however, my new mortgage offer has now expired and I had to start again. The b...

    Mortgages
  • looking for loan By Guest on 14/06/2017

    Hello everyone
    My name is ivey salmon and i live in Ararat Virginia i am saying this today not because i want to but because i need to, for those who is in need of a geniune loan and i know that they are alot of scammers out there but they are still so...

    Mortgages
  • Restriction againt the land By Guest on 31/05/2017

    have a Restriction against the land against my house for a bank loan. Need to remortgage - can I do this with the charge still there?...

    Mortgages
  • WHERE CAN I OBTAIN CONSENT TO DISCHARGE CERTIFICATE AS MY PROPERTY IS LINKED TO PUBLIC SEWER By Guest on 06/05/2017

    I CANNOT FIND WHERE TO GET IT ON THE INTERNET...

    Mortgages
  • Mortgage valuation is £30k less than we've been offered by our buyer. By Guest on 05/05/2017

    How do we challenge our buyer's mortgage valuation? We know it is wrong and sales of houses in our road prove it. Our buyer cannot get a higher mortgage and doesn't have the £30k difference. Obviously, he'd rather pay £30k less for our house so he wo...

    Mortgages
  • renting whilst completing transfer of equity. By Guest on 25/04/2017

    I split with my partner in September and left the home we shared a mortgage on. We are in the final stages of completing the transfer of equity agreement. I have not been required to pay the mortgage since december as my ex partner is happy to do so as sh...

    Mortgages
  • Re-mortgage BTL By Guest on 21/04/2017

    Why do solicitors need to see the tenancy agreement when dealing with a BTL remortgage? What 'checks' on the agreement do they actually do?...

    Mortgages
  • ds1 and id1 forms By Guest on 30/03/2017

    My X Husband Wont Sign The DS1 And ID1 Forms So I Can Sell My House And He Can Get Paid According To The Order Of The Court...

    Mortgages
  • My x husband wont sign the DS1 and ID1 forms so i can sell my house and he can get paid according to the order of the court By Guest on 30/03/2017

    please advise...

    Mortgages
  • Dad - son pad on house By Guest on 14/03/2017

    Hi
    My dad has a endowment mortgage and hasn't been able to keep up with the re-payments, so the house will be getting repasested. Is there anyway his son can take on the house even with a outstanding mortgage.
    Thanks ...

    Mortgages
  • Can I get a remortgage if my brothers name is on the deed for the property , as he has bad credit scores. By Guest on 27/02/2017

    Can I get a remortgage if my brothers name is on the deed for the property? , as he has bad credit scores. ...

    Mortgages
  • new lender has a solicitor to do the legal work By Guest on 22/02/2017

    my new lender has instructed a solicitor to do the legal work on their behalf on a remortgage. do i need a solicitor myself. If yes for what reason?...

    Mortgages
  • mortgage for 2 properties on one title deed By Guest on 21/02/2017

    I OWN A TERRACED PROPERTY WHICH IS A 3 BED HOUSE AND A 1 BED FLAT. THEY ARE ON COMPLETELY SEPERATE UTILITIES AND BUILDING REGS AND PLANNING ARE IN PLACE.I AM LOOKING AT SPLITTING THE PROPERTIES ONTO 2 DEEDS WITH A FREEHOLD AND LEASEHOLD AS I AM STRUGGLING...

    Mortgages
  • Transfer of mortgage to wife By Guest on 21/02/2017

    Hi,

    I'm separating from my wife and would like to transfer the mortgage to her. She still resides in the house but it's only my name on the deeds. I've been told I need to 'gift her' the equity. Is this correct? What is the process of doing this? Thank...

    Mortgages
  • RX1 restriction and remortgaging By Guest on 18/02/2017

    Hi. If I give a person a restriction on title via RX1 form, will that person be notified if I subsequently remortgage the property. Many Thanks....

    Mortgages
  • Stamp Duty By Guest on 15/02/2017

    Mu husband has a buy to let property . If Myself (wife) purchase a buy to let what will be the stamp duty. Will I fall into higher stamp duty rate?...

    Mortgages
  • Transfer of equity By Guest on 07/02/2017

    I'm taking my soon to be ex husband off the mortgage. I own the property ( in my name was never changed) had sole mortgage before him and am remortgaging back to sole again. Do I need to do transfer of equity if all he's doing is no longer paying the mort...

    Mortgages
  • Mortgage deed By Guest on 05/02/2017

    Dear Sir/Madame,

    I reveived standard Mortgage deed document from my solicitors but bank already confirmed our morgage, we giving self deposit as well and flat is worth more than bank is borrowing us do I still need to sign it ?? And if yes why?...

    Mortgages
  • Higher rate SDLT By Guest on 03/02/2017

    Can I avoid paying the higher rate SDLT by taking out a mortgage with my girlfriend and putting the deeds solely in her name? I am living in rented accommodation but have a buy to let property of my own. She is selling her main residence and buying a new ...

    Mortgages
  • I jointly own a property with my mother and we currently both have a mortgage that was taken out in both our names. I was hoping to remortage the property consolodating the existing mortgage into another and release equity from the property. I have been t By Guest on 27/01/2017

    I would be happy to discuss over the phone at any time...

    Mortgages
  • Selling your house By Guest on 11/01/2017

    I am selling my house to the new occupier that wants in by 3rd feb 17 but I will have to pay early settlement fee, come march 2017 I wont. Can I still sell my house and keep the funds in a special account then pay mortgage off in march?...

    Mortgages
  • Section 38 bond By Guest on 08/01/2017

    Our solicitor has contacted our lender to say that there is no section 38 in place. The valuer has advised a full retention.

    I have received proof from our developer that he has paid a bond to the council, so should this allow us to complete on the ho...

    Mortgages
  • My ex wife went bankrupt and has remarried, We have a joint mortgage, she wants her name taken off the mortgage so she can go and buy a property with her new husband. My home as a mortgage and charging orders on it which puts me in a negative equity situ By Guest on 03/01/2017

    ...

    Mortgages
  • I may be in breach of my mortgage... By Guest on 20/12/2016

    I have let my property out through a proper letting agent. I have fulfilled all the criteria i.e. I have a landlords license in place and have all the certificates of safety. My mortgage lender has been informed. I have been told that I am in breach of my...

    Mortgages
  • Removing name from.mortgage By Guest on 02/12/2016

    My ex partner is remortgaging house and needs me to sign to say i agree to coming off mortgage. What do i need to do?...

    Mortgages
  • Bank mandates survey in our name By Guest on 28/11/2016

    Hi. We are trying to buy a house which has historic subsidence (has been dealt with). Our mortgage provider (Halifax) have mandated that we need a full structural survey, so we asked the vendors to provide it as they did not disclose the subsidence origin...

    Mortgages
  • Entitlement By Guest on 23/11/2016

    My parents moved abroad eleven years ago my sister took out a mortgage on part of the property.
    My parents have now moved back to the uk and want to sell the property they have no mortgage and are named on land registry, my sister still has about half to...

    Mortgages
  • Additional 3% stamp duty By Guest on 19/11/2016

    Hi,

    I currently own a property which isn't and has never been my main residence. It is let to parents, although the initial intention was for me to reside at this property I never have and proof of this can be provided.

    I have previously owned a mai...

    Mortgages
  • Married with Sole Mortgage By Guest on 18/11/2016

    Hi I have been married for 11 years and 5 years ago my husband band I bought a house with the mortgage being in his sole name as I had an older mortgage in my sole name which I took out before we got married as my husband had an IVA but we wanted to get o...

    Mortgages
  • Remortgage By Guest on 14/11/2016

    At the point of signing to remortgage with a different lender we were told that as part of the joint mortgage was to consolidate individual debts we would have to appoint a solicitor and provide the correct documentation to show we understand the implicat...

    Mortgages
  • Transfer the property ownership to my former wife but keep the mortgage By Guest on 08/11/2016

    I got divorced and the Family Court basically asks me to transfer the property ownership to my former wife but to keep paying the mortgage (my wife has no income). So I am wondering how it can be done and I am looking for a solicitor who can help....

    Mortgages
  • Stamp duty on 2nd property buy to let mortgage and staircasing By Guest on 19/08/2016

    I own 85% of a property in my own name since 2013 and I am looking to remortgage to buy 100% and transfer to a buy to let mortgage. I also own a house in joint names with my partner since September 2015. Will I need to pay additional stamp duty following ...

    Mortgages
  • Transfer of equity By Guest on 10/08/2016

    I'm trying to remove my ex husband from my mortgage and property deeds (using a consent order), and would like to add my fiance to the mortgage and deeds. What is the best way to do this I.e. minimising costs e.g. stamp duty? The house is valued circa £2...

    Mortgages
  • Remortgage to buy out my brother from joint mortgage By Guest on 19/07/2016

    I currently have a joint mortgage with my brother. He has said he wants me to either buy him out or we sell. Myself and my boyfriend have taken out a remortgage to pay of the existing mortgage and give him his share of the equity. There was £8000 left fr...

    Mortgages
  • Arranging mortgage after exchange By Guest on 15/07/2016

    Is it possible for buyer to exchange contracts and then arrange mortgage afterwards but before completion? Would there be any potential risk to the seller in this?...

    Mortgages
  • Deed of covenant on bought property By Guest on 14/07/2016

    Can I sell property which is in my name which there is a deed of covenant on which I agreed to/signed with ex partner?. We still share same house as he refuses to allow me to sell and he is refusing to move out...

    Mortgages
  • Do you have to declare findings of full structural survey to mortgage lender? By Guest on 05/07/2016

    Mortgage company performed basic valuation, we had full structural done for piece of mind...

    Mortgages
  • taking name off mortgage By Guest on 23/06/2016

    i am taking my name off an existing mortgage with my ex husband and he is taking on the mortgage himself.do we need to change the title deeds or is this done automatically when he takes out the new mortgage please?...

    Mortgages
  • SDLT/Transfer of equity By Guest on 30/05/2016

    I have a question regarding stamp duty and transfer of equity. I currently own a property with a friend. I am buying him out and my partner is being put onto the mortgage. I'm really struggling to figure out the stamp duty implications if any.

    The proper...

    Mortgages
  • Proof of deposit source By Guest on 27/05/2016

    So I''m a FTB with a 5% deposit, we've got a DIP (eventually) found a house, had offer accepted, just waiting to complete full mortgage application on Tuesday.Shortly after putting in an offer on the house and having it accepted, I thought it would be a g...

    Mortgages
  • Credit search By Guest on 26/05/2016

    Hi, I am at the offer stage waiting for exchange contracts, I have got the offer from my lender so did my solicitor and he is working on some items asked by the lender. I need to arrange flooring for the new property and would like to spread the cost and ...

    Mortgages
  • Power of attorney mortgage By Guest on 19/05/2016

    We are trying to raise funds against a property to update it. The property has no current mortgage, and is valued £160K. We want to raise £25K, and repay over 5 years.My faether is on the deeds as owner, but is unfirm and mentally unfit. My mother has P...

    Mortgages
  • Selling a freehold as leasehold By Guest on 08/05/2016

    I have a freehold property (flat with tearoom) which has a 20 year repayment mortgage. Can I sell this property as a leasehold and still retain the mortgage?...

    Mortgages
  • Remortgage with wife, additional SDLT payable? By Guest on 26/04/2016

    Hi,
    I'm currently remortgaging on my main residence, at the same time bringing my wife on to the mortgage (sole to joint mortgage), hence there is a transfer of equity.
    I also have another property (furnished holiday let) in my name only.
    Since the new ad...

    Mortgages
  • Getting Mortage Release from a dead persons heir By Guest on 18/04/2016

    I have lost my Mortage Release for a Mortage made in 1985 with a 10 year mortgage. The mortgage was paid off in 1995. One of the two mortagees died in 1990. Her heir is still alive and I need a Mortgage release. Who can legally sign for the Release...

    Mortgages
  • Remortgaging a right to buy By Guest on 13/04/2016

    I brought my flat throught the right to buy however now need to move as having a family etc. I want to remortgage it to get some money out to buy a new place and rent this one out. i am only 1 year into my 5 year discount. I am able to do this without hav...

    Mortgages
  • Mortgage redemption By WendyLRobins on 07/04/2016

    If I do my own sales conveyancing, do I have to redeem my mortgage before exchange of contracts?...

    Mortgages
  • 2 kitchens in a house ? By Guest on 06/04/2016

    I am hopefully going to win an auction soon if I do the only problem I have is there are two kitchens in the property. The mortgage broker has told me there surveyor will simply want to see the extra kitchen removed then they will release the mortgage. Th...

    Mortgages
  • New stamp duty fees on second homes: am I liable? By Guest on 31/03/2016

    My partner and I are looking to buy our first home together. I don't own a property, but my partner does (50/50 in partnership with his brother). His brother lives in the property they own, my partner and I live together in a rented property.

    If we purch...

    Mortgages
  • How can I remove my ex wife from my mortgage when NRAM will only do this if I re-mortgage which I don't want to do By Guest on 30/03/2016

    Hi Not sure if you can help but I have exhausted all other lines of enquiry. I bought a house around 11 years ago with my then wife. We subsequently divorced, She wants to come off the mortgage and my new wife wants to be added. I even have a solicitors '...

    Mortgages
  • Buy to let mortgage to friend By Guest on 22/03/2016

    Both my husband and I have a poor credit history following our divorces and are in the last year now of our IVA. Given this we are led to believe it is very unlikely we could ever obtain a mortgage and certainly couldnt use help to buy.

    A friend of ours...

    Mortgages
  • Gift from spouse By Guest on 18/03/2016

    Can my wife gift me part of the deposit money even though she will be living in it with me? Would signing a Occupiers Consent Form alleviate the threat of my mortgage falling through?...

    Mortgages
  • gifted deposit by wife By Guest on 13/03/2016

    I give money to my husband to proceed for buying a property which is going to be our home. He has to take the mortgage to his name because he can borrow for 25 years while I can not. So the mortgage lender asked to sign a gifted deposit form where I had t...

    Mortgages
  • cut off time for completion for bank tranfers By Guest on 04/03/2016

    see above...

    Mortgages
  • Foreclosure after exchange of contracts By Guest on 01/03/2016

    Can a lender foreclose/call in a mortgage after exchange of contracts? And if so how does this work?
    Many thanks
    Flick...

    Mortgages
  • Joint ownership no mortgage By Guest on 17/02/2016

    My brother and I own a house with no mortgage that's is rented out, I want to release a small amount of equity from my half for home improvements on my own home do I need his permission? ...

    Mortgages
  • Can I make a contractual agreement before buying a property with a partner, using a mortgage, with regards to what would happen if one of us decides to move on. By Guest on 10/02/2016

    Can I make a contractual agreement before buying a property with a partner, using a mortgage, with regards to what would happen if one of us decides to move on. So if both of our names are on the mortgage, what happens if one decides to move on after 5 y...

    Mortgages
  • remortgages on a pre emption By Guest on 04/02/2016

    can i remortgage to buy another home on a right to buy home before the 5 years are up?...

    Mortgages
  • Transfer of Equity By Guest on 29/01/2016

    I am on a joint mortgage with my wife, and due to having no work for many years my wife has paid all the household bills, we need to do a Transfer of Equity with no money being paid to me, there is a mortgage on the property can we use your kit?...

    Mortgages
  • Partner on deeds By Guest on 26/01/2016

    My partner is looking to put my name on the deeds of his house. How do we go about doing this please and any cost associated with this. Does my name have to go on the mortgage of the property as well?...

    Mortgages
  • Joint Mortgage but not entitled to Equity? By Guest on 25/01/2016

    Hi, when my partner and I split up four years ago we went to the bank and I signed something stating that if we sold the property (jointly owned) I wouldn't be entitled to any money from the sale (on the understanding that my name would be taken off the m...

    Mortgages
  • Governments new stamp duty march 2016 rules and changing from a residential to a buy to let rule changes? By Guest on 17/01/2016

    If i am changing my mortgage but i have already bought the house (2006) and I have rented it out for the last 2 years with the lenders permission. Do i have to pay the governments new stamp duty march 2016 when i remortgage from residential to buy to let...

    Mortgages
  • Me and my dad own a leasehold property, is it possible for us to to have my name and remove his? By Guest on 22/12/2015

    My dad does not work anymore, and I do not think we can remortgage without his proof of income. Any help would be appreciated. Thanks...

    Mortgages
  • how can i transfer a leasehold mortgage to my son By Guest on 22/12/2015

    I have property and the mortgage is in my name only. My age is 69. I want to transfer the leasehold mortgage to my son. The loan is 40% the value of the property....

    Mortgages
  • Pre-Emption By Guest on 22/12/2015

    Hi, I bought my house from the council on the right to buy scheme. Therefore I have a Pre-Emption on the property that means I must offer the house back to the council should I wish to ever sell.

    In february 2016 I would of owned the house for 10 yea...

    Mortgages
  • Risk of exchange before completing By Guest on 19/12/2015

    I'm in the process of buying a property. We are in a chain of 4.
    I'm doing 2 mortgages: a remortgage buy to let for the flat we own and a residential for the house we are buying. We are also using our saving for the deposit. In the small print of both mor...

    Mortgages
  • Susidence By Guest on 26/11/2015

    Procedure to follow , in detail , to ensure that property will be mortgageable in the future, not currently insured ...

    Mortgages
  • Can you get a buy to let mortgage on a a property that has sec 157 covenant on ? By Guest on 21/11/2015

    ...

    Mortgages
  • Voluntary Charge? By Guest on 06/11/2015

    I wonder if you can give me some guidance.
    I was granted a divorce in July 2014 and the order made was that the family home was to be transferred to my name, as I and the children occupy it.
    Unfortunately, as I have not been able to get a new mortgage, I ...

    Mortgages
  • Getting a mortgage By Guest on 02/10/2015

    Myself and my husband bought a house outright. We converted it into 3 flats and have had leases drawn up. We both jointly own the freehold. I am leaseholder of one of the flats which we are trying to capital raise on. Mortgage lender says that the mortgag...

    Mortgages
  • Transfer of equity By Guest on 30/09/2015

    Hello, I am currently living in the residential home with my two children. This home was initially purchased in my ex husbands name. We have a consent order in place that stipulates that I have to cover all disbursements for the home and pay the mortgage...

    Mortgages
  • The rights of property with a mortgage By Guest on 29/09/2015

    I have mortgage from a bank for my solely owned property, my wife and children are living in, my wife has signed a occupier's consent when I took the mortgage, just want to find out if I died before the mortgage is been paid off, what right does my wife a...

    Mortgages
  • Removal of husbands name from mortgage By Guest on 03/09/2015

    I have a mortgage with Halifax that is currently in mine and my husbands name. My husband and I separated 3 years ago and divorced 5 months ago. I want to remove his name from the mortgage. Halifax charge £160 for this and also advise I get a solicitor. ...

    Mortgages
  • Change of mortgage By Guest on 16/07/2015

    I am after some advice. I am moving in with boyfriend and his house is still in the name of him and his ex-wife. He wants me to take over on the mortgage, it is possible just to transfer it into his name and me to proof i live there and will contribute wi...

    Mortgages
  • do banks accept gift money and if yes what else do they require? By Guest on 15/07/2015

    do banks accept gift money and if yes what else do they require?...

    Mortgages
  • Transfer of Equity By Guest on 14/07/2015

    My wife is writing her testament. She paid our mortgage for 10 years before we got married. I paid for the last 4 years. She wants to know how to calculate the portion of the house equity that belongs to her children as she includes my name in the title. ...

    Mortgages
  • By signing the Mortgage deed as 'Occupier' what are my legal rights? By Guest on 18/06/2015

    My boyfriend is buying a house for himself and myself as we have a baby on the way. He has come to me with the mortgage deed to sign and the way it is worded insinuates that I would have no interest in the property against the Lender.
    I just need to know ...

    Mortgages
  • Gifted Deposits By Guest on 11/06/2015

    I am gifting my son money to pay his deposit for a new house. His solicitor is demanding to see my last 3 months bank statements, which I find an intrusion to my privacy.

    Is this correct?
    ...

    Mortgages
  • Helping a friend with buying a property By Guest on 31/05/2015

    I have a legal task which I need someone to perform concerning the purchase of a flat. The property is being purchased by a close friend of mine for around £140,000. The bulk of the money for the purchase, around £110,000, is coming from her own resourc...

    Mortgages
  • indemnity insurance policy on a property purchase By Guest on 02/04/2015

    The house we are buying has a planning application approved conservatory that was built in 2004.
    I contacted the council because the seller said he had no record of the conservatory ever being signed off. The council did it was not a requirement.
    I have s...

    Mortgages
  • remortgaging to a buy to let, will they accept indemnity insurance for a loft room? By Guest on 19/03/2015

    I am changing my residential mortgage to a buy to let so I can take my deposit out to buy on, It is a two bedroomed with loft room but the surveyor has mentioned in his survey to make sure all the necessary permissions and consents were in place. The work...

    Mortgages
  • Transfer of title options By Guest on 10/03/2015

    My partner and I bought a house 7 years ago and at the time of purchase he was working on temp contracts and we were advised to do the mortgage soley in my name. We would now like to add him to the mortgage however our recent financial difficulties means...

    Mortgages
  • underlease By Guest on 05/03/2015

    The house I was buying has an underlease and the mortgage providers are now saying they cannot give a mortgage on a house with an underlease.Why would this be...

    Mortgages
  • Allowances By Guest on 26/02/2015

    If my seller makes me an allowance of £300 in lieu of a retention for excess service charges do I have to notify the mortgage lender...

    Mortgages
  • equity transfer I don't want to add my partners name to the mortgage By Guest on 09/02/2015

    I have a mortgage, I don't want to add my partners name to the mortgage, can I still add my partners name to the deed for my property. If so how do I do this?...

    Mortgages
  • Possessory Title 2 By Guest on 12/06/2014

    We were hoping to purchase land and build a few houses but it appears some of it will only have possessory title due to lack of registration - the land has been in the family for 50years and I dont doubt the seller but my concern is when we come to sell t...

    Mortgages
  • Section 38 for new build house By Guest on 06/05/2014

    Can you please tell me if all or most mortgage companies require a new build to have a Section 38 before we can complete. The builder says we are the only purchaser that cannot complete as our Mortgage company has to have a section 38. It is a national ...

    Mortgages
  • ID1 for deed of postponement? By Guest on 29/01/2014

    I am seeking to switch mortgage lender. My parents have a 2nd charge on the house, and the new lender's legal team have prepared a deed of postponement for my parents to sign, so that the mortgage lender's charge has priority of theirs. In addition to sig...

    Mortgages

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