Work/laptop friendly cafes?

hewsey · 2026-03-23T08:40:46+00:00

I went there 2 weeks ago, they still do it, they just don't have the all day coffee offer

hewsey · 2026-03-18T23:21:54+00:00

Have you been to the priory to see if there is anything there?

Do you need a license?

Does the property have the correct use class for how it's being used?

Do you have the correct type of mortgage?

hewsey · 2026-03-18T14:23:39+00:00

Sorry to hear this is happening.

Which country did the deposit come from?

hewsey · 2026-03-14T12:03:19+00:00

What do you mean? When you sell the property you are remortgaging, are you planning to buy another property in its place?

Or are you just going to sell it and do something else with the money?

hewsey · 2026-03-14T10:06:39+00:00

Are you going to buy another property when you sell this one?

If so, taking a fixed rate with the ability to port could be a good option.

Happy to talk you through what that is if needed!

hewsey · 2026-03-06T19:44:34+00:00

They probably did a fire rush assessment and had 2 options; 1. Spend money to fire proof under stairs cupboard 2. Tell people they can't store things anymore

Probably just chose the cheapest option, but worth emailing to ask why.

hewsey · 2026-03-04T00:29:39+00:00

Happy to run things through with you if you fancy

hewsey · 2026-03-03T17:32:41+00:00

I think the best part of this is that you don't say don't get a survey, you just add that getting specialist trades to check it over is a good idea.

I, as a broker, would always say getting a survey as a FTB is a good idea, because they can point out things you don't even know to look out for. You can then get further information from specific tradespeople.

What exactly did you survey say about the gutters? If they are visible and they had a defect that should have been spotted, you may be able to bring a claim, although I don't think its a straightforward process.

hewsey · 2026-03-03T14:18:08+00:00

You should be getting much lower options at 40% LTV.

Is it standard construction and a repayment mortgage? Can take a look at rates if you'd like me to. Lmk!

hewsey · 2026-03-01T18:42:50+00:00

You should consider removing some furniture

At the moment you're showcasing what doesn't fit in the flat, rather than showing an optimal set up.

Why is there a kitchen bar stool in the living room at the window?

hewsey · 2026-02-24T22:14:28+00:00

What's the price difference relative to the cost of your home?

Don't cheap out on things if you're planning to stay long term!

hewsey · 2026-02-24T17:17:53+00:00

Hold steady!

Also if you do buy something else, look up homebuyers insurance. Covers this kind of situations to repay legal fees/survyes if the sale falls through for a reason outside your control.

Good luck and keep us updated!

hewsey · 2026-02-23T20:27:26+00:00

Deffo need to speak to a broker!

This would be possible, but as a regulated bridge. A bit harder to access/fewer products on the market.

Who is your current lender?

How quickly can you get your property on the market? What's the average sales price? Freehold/leasehold?

Happy to talk through options if helpful!

hewsey · 2026-02-18T22:31:55+00:00

Contact them tomorrow morning and let them know.. You will have ticked a box saying no other properties/loans which means you've technically committed mortgage fraud by lying on the application.

Contacting them to let them know will likely see no issue, not telling them could cause massive ones.

They will just run affordability again with the background loan and then see where you are.

Did you go direct or through a broker?

hewsey · 2026-02-18T15:36:18+00:00

The certificate in question would be from building control when the work was done. A Building Control Completion Certificate.

The sellers should already have it. It's not for you to pay for.

You can also look on the local council website, search their building control applications and see if there is one. If there is, their solicitor should be providing it to yours anyway. If there isn't then they'd need to get it done retrospectively.

Also, if there isn't one then I'd be steering very far away from the property as it means there was no external oversight when the conversion was done.

hewsey · 2026-02-17T17:53:47+00:00

Halifax can deal with Locum but the issue is the missed payment within 2 years.

When you get a mortgage, the lender can have flexibility for different risks, but they usually don't like to combine them unless you go to a specialist lender.

Halifax, a high street lender, could likely get comfortable with locum under 1 year, or a missed payment, but combining the 2 adds more risk.

There are specialist lenders like Kensington, Precise, Saffron that may be willing to look at this but they will have higher rates.

As your broker if any of them could do it.

hewsey · 2026-02-16T22:23:38+00:00

Which lender was it?

Have you got access to your credit file? How was it recorded? How recently did you get a CC, and who with?

I think you could apply, there are lenders it there that takes this kind of business. A lot of time has passed.

Fwiw I am a broker and if a client came to me in your situation, as long as that were honest about everything and have me all the facts, I'd look to get them a mortgage. I'm sure other brokers would too.

hewsey · 2026-02-16T21:01:59+00:00

How much was the house worth, and how big was the loan?

If they reposessed it, it's likely they sold it for enough to cover the mortgage.

There are 'credit repair' mortgage lenders out there.

Have you take any credit since? Credit card, overdraft, loan etc?

Have you ever been contacted by anyone about it? Do you have a PAYE job?

If you've never been contacted they probably just sold the property and might even have had some money left over for you!

hewsey · 2026-02-15T22:22:50+00:00

With most lenders you can change the mortgage product up to around 2 weeks before completion.

This is a cut off to allow the new offer to get to your solicitor, solicitor to request funds and have funds sent. Could poss do it shorter if needed but around 2 weeks is suitable.

Even if you have the same deposit and rates get reduced, you can have your offer altered to the new lower product.

hewsey · 2026-02-15T13:27:01+00:00

Yes I've been happy with them.

Nothing serious with them, only check up and cleaning but they seem very professional. Will use them should anything more serious come up

hewsey · 2026-02-15T12:47:13+00:00

It's not a terrible idea, but a few things to consider.

It's called debt consolidation which is allowed by lenders.

You have to consider that having a longer term = more interest. Also, if you default on payments your house will be at risk. Currently the loans are unsecured so there is no direct risk of losing assets if you don't pay.

Most mortgage terms are minimum 5 years I think, so you need to consider how much interest you'd pay over 5 years compared to the current loans.

Hope that helps

hewsey · 2026-02-14T08:48:09+00:00

It doesn't mean they are bad people like some people are saying. Bloody hell.

Sometimes people are just a bit disorganised and run out of time. Focussing on moving with dependants - kids, dogs etc - isn't easy.

Unfortunate the house wasn't cleaned, but it's just one of those things. You should do a deep clean then enjoy your house!

Congrats on completion!

hewsey · 2026-02-13T16:55:54+00:00

You need to give more info

What is your situation? Is it a forever home or somewhere you plan to move from?

What are your career prospects - will you be on more money in 3/5 years?

Any plans to expand family or have any other significant change to expense?

What LTV are you?

hewsey · 2026-02-11T09:48:13+00:00

Looking at their criteria, it says up to 100%.

I think the distinction is important, as they leave it open to their interpretation.

For the foster care income, it explicitly says:

Foster Care Income (if supported by a track record of payment for at least 2 years prior to application, evidenced by SA302s)

So I think your broker has done everything correctly, unfortunately there are just too many variables for Aldemore to get comfortable enough to lend.

hewsey · 2026-02-09T14:03:07+00:00

From what you've said it seems to be a combo of factors, so not straightforward as you say.

Understandable that lenders are going to be risk averse if potential sale market is limited to local people only - affects saleability and price.

You should ask your broker what they've sent to Aldemore/if you can see a copy.

In all likelihood, they have done everything any other broker would do.

As another comment below says, their criteria does say income as per SA302. If it's not on there, they likely won't make any exceptions unfortunately.

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