Mortgage in Principal

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Foggy

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Post by Foggy » Mon Jul 14, 2014 8:12 pm
Great news Irishrams -- fingers firmly crossed for you.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

MelanieGiles

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Post by MelanieGiles » Mon Jul 14, 2014 9:05 pm
Brilliant to hear - are you using one of the mortgage brokers who post on this forum by chance?
Regards, Melanie Giles, Insolvency Practitioner
 
 

Irishrams

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Post by Irishrams » Mon Jul 14, 2014 9:11 pm
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles

Brilliant to hear - are you using one of the mortgage brokers who post on this forum by chance?
I am using an Equity Finance broker which I got the contact on here.

He has been really good so far as in being totally honest and upfront unlike a couple of the mainstream ones I used previously
 
 

MelanieGiles

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Post by MelanieGiles » Mon Jul 14, 2014 9:13 pm
I'd love to have their details for my own reference - always good to know mortgage brokers who can assist clients and ex-clients once their IVAs have concluded.

If you don't feel like posting the information publicly, could you send me a private e-mail?

Thanks
Regards, Melanie Giles, Insolvency Practitioner
 
 

Michael Peoples

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Post by Michael Peoples » Tue Jul 15, 2014 10:01 am
Equity Finance are part of the Select Partnership group so their details can be found by contacting Shaun Vickery. Our clients have used them many times over the years.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Irishrams

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Post by Irishrams » Tue Jul 15, 2014 6:34 pm
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles

I'd love to have their details for my own reference - always good to know mortgage brokers who can assist clients and ex-clients once their IVAs have concluded.

If you don't feel like posting the information publicly, could you send me a private e-mail?

Thanks

Hi Melanie,

Just looking back at some of the earlier post and it was actually yourself who recommended them to me as below [:)]

I'd suggest that you give Shaun Vickery a call at The Select Partnership. Shaun is a whole of market broker, who will be able to shop around for you and find the right deal. He also has a detailed knowledge of insolvency, and how this can affect credit applications - so definitely worth a call.
Also found out as we waited a while for it to be quite a few months showing no paydays that the Interest has gone down and our Mortgage if get it is will now be £40 less a month than originally stated [:D]
 
 

luluj

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Post by luluj » Tue Jul 15, 2014 7:59 pm
even better !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
 
 

Irishrams

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Post by Irishrams » Fri Jul 18, 2014 6:35 pm
Valuer has now been out on Monday just gone and filed his report so fingers crossed will be hearing something soon for a Mortgage Offer if goes well
 
 

luluj

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Post by luluj » Fri Jul 18, 2014 7:31 pm
Great news ... Fingers crossed x
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
 
 

Irishrams

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Post by Irishrams » Wed Jul 23, 2014 8:12 pm
Well got some good news yesterday that the lender has given us an offer of mortgage so can now nearly see the finishing line :)

Only bad thing is they are not happy with the incentive of our Builder paying our stamp duty so have lowered their loan to compensate but not too fussed as just happy we have an offer of mortgage.
 
 

Foggy

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Post by Foggy » Wed Jul 23, 2014 8:48 pm
Excellent -- well done (perhaps the builder can chuck in some landscaping on the quiet :-) )
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

welshwiz

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Post by welshwiz » Wed Jul 23, 2014 8:54 pm
Congratulations just shows perseverance pays off and there is life after iva. Enjoy your new home and hope you will be really happy there
 
 

luluj

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Post by luluj » Wed Jul 23, 2014 10:21 pm
Great news ...... Welldone
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
 
 

Michael Peoples

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Post by Michael Peoples » Thu Jul 24, 2014 9:52 am
Congratulations from me too. It goes to show though that a broker is often needed especially if the case is anyway complicated.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

TzeKin

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Post by TzeKin » Thu Jul 24, 2014 2:34 pm
Never doubted your acceptance IR for the loan as 9 out 10 approval are successful.
You have a good broker..post and let other see the contacts and get the assistance.

The more broker options for ex iva mortgages the merrier.Choices and option never a bad thing.

I accept that unless you are convinced you can go it alone using a broker is the next best thing for home loans.If there weren't fees I would 100 percent endorse brokers.
Only on mortgages do they seem to charge and not for any other financial services?
Being paid by the bank is enough.

Good work IR and EF broker
Last edited by TzeKin on Thu Jul 24, 2014 2:39 pm, edited 1 time in total.
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