-
can you offer advice
does anyone know how long I can have two residential mortgages for before I need to remove my name from one.
-
first time buyer needs advice
I'm looking for help in that I have been offered my flat for £20,000 from the council (50 % off) and am needing advice on what mortgages would be best for me. I earn about 23K a year so was looking for maybe a 10 year mortgage for £25,000 ( 5000 for improvements ) is this what I should be thinking any help or advice much…
-
Mortgage calculator
Hi all, Could not get access to the mortgage advice thread so i thought i'd add a topic. I remember using a specific type of mortgage calculator to calculate when my mortgage payments would finish if i added extra money on a regular basis. Basically, you add in the usual data of a mortgage loan, regular payments etc and it…
-
Mortgage overpayments
I wonder if anyone can help? We are looking at taking out a mortgage (sold a house some years ago and just moved back from abroad so not our first mortgage). Anyway, what I want to do is overpay the mortgage each month. Either directly or by a lump sum on the anniversay of the mortgage, depending on the details of the…
-
Best way of buying 2nd home?
(ignore - incorrect)
-
Are we classed as FTB?
Wonder if anyone could help, have a few questions: We have just sold our house and have decided to rent for at least the next 6 months. When we come to buy again would we be entitled to FTB deals? Also, I am a teacher earning £21,700 plus an additional income of £4,200 for a part time job I do too. My husband earns £21,000…
-
pls help! dunno where to start!
:-[ Ok, I hope someone will be able to hrlp me here! Hubby and I want to buy a small hotel or gueshouse in Blackpool! They go for about £120k, we have a 2 bed flat in Bucks to sell which we are getting valued Monday (we think its worth £120k) and we have a mortgage on it of £75k What next? is it a commercial mortgage we…
-
formula to work out rebuilding costs?
somewhere on this site the question was asked how to work out rebuilding costs for home insurance anyone seen it or could advise.?
-
Can I collect rent to pay a mortgage?
I currently live in a student house which my father owns outright. 3 other people live in the house with me year round. I would like to buy the house from my father but I am not sure what kind of mortgage I need. I have very little regular income but if I could collect the rent from the other 3 occupants I would have…
-
Royal & Sun Alliance Sell off
Heelo All, I'm hoping somebody with more knowledge than me can point me in the right direction. Basically I have a with profits endowment policy 10 years old with 15 to go. It has a sum assured of 15k and with accumulated bonus' so far has reached 18k With the news that RSA has sold off its investment arm and newspaper…
-
US$LIBOR Rate Tracker Mortgage - 2 good 2b true
Am looking to remortage and have found a mortgage offered which tracks the us$ LIBOR + 1.99% until 31.10.09. Not sure what this means but it claims to be running at a current rate of 3.29% and I would guess that it will change as the US interest rates change. My house is currently valued at £300k and I can get a loan of…
-
Lost First Time Buyer!
I don't get it, whenever you go onto a mortgage site they ask how much is the property that you want to buy! Well if I knew that I wouldn't need to ask anything ::) I am a single, first time buyer and haven't a clue how much I can afford to buy a house/flat, that's what I want the mortgage companies to tell me :P It seems…
-
Holiday caravan with view to full time living.
We are both retired(on grounds of ill health) and currently live in and eligable to buy the council house. Of late, we have been tempted to buy it but have decided to wait for six months to monitor prices. However, by way of a diversion, we are tempted to buy a what some might say, is a luxury caravan in a holiday park,…
-
Mobile homes/caravans
Having had a good old browse through the site, I haven't noticed any thread about purchasing either a holiday home ie caravan or park home for semi or permanent retirement. If anyone can push me in the right direction I'd apprciate it, as we are currently considering this.
-
First Time Buyer Advice Please
I was wondering if anyone could offer advice please. I'm currently in the un-envious position of preparing to purchase a house as a first time buyer. I have set aside around 3k as a deposit and around 75% of the completion costs. I have a number of questions that I would like to ask: 1) If I have an outstanding loans at…
-
Council house buying, Scotland
HI, We have the chance to buy my mother in laws' council house for £21000, 60% discount , 3 Bedroom house. We are first time buyers, the house has to be purchased in her name, although we will be paying for it, which we can then change after 3 years, to ours. HBOS have offered us a mortgage of £124 P/M over 40 years which…
-
Anyone won an pre1988 endowment complaint
Has anyone won an endowment miss- selling complaint taken out before April 1988 when the 1986 financial services act was enforced if so what part of the complaint was upheld? Currently complaining against Britannia Building Society who sold me the low cost endowment on the basis if I had been informed they was receiving…
-
Free House Price Info (Scotland Only)
There are two web sites which will give you the prices of every house sold in Scotland for the past few years. https://www.yourhouseprice.co.uk https://www.myhouseprice.co.uk The first site will give a free search. If you were searching by postcode area it will only give three results. However if you use the second site…
-
Mortgage Complaint
I sent a letter of complaint to my mortgage company about 4 weeks ago. I haven't had a reply yet and was wondering whats the next step? Should I write to them again or contact the mortgage code compliance board? Any suggestions appreciated.
-
end of fixed rate
last year my halifax fixed rate came to a end ive been meaning to do something and get another fixed rate will halifax offer me a new deal ?????????
