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Remortgaging
Hi, I would really like some advice please. We are coming to the end of a two year fixed rate of 3.99 with no tie in with YBS. The current loan is £123,000 interest only with in theory only 10 years left until our endowments pay off the loan. Our house was valued at around £300,000 when we remortgaged 2 years ago. We are…
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wanted : renovation and conversion projects
Hello, I will consider renovation and conversion projects within the M25 area including derelict properties. Interested in deals from £150,000 to £1.5 million and as I am a cash buyer I can act quick. My only 2 requirements are 1. the project once renovated and/or converted must yield a profit of least 40% per annum (pro…
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Tenancy Agreement
any idea where I can download a tenancy agreement.
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A+L 4.95% fixed until Oct06 no tie in after.
This deal looks very good to me: http://www.fool.co.uk/moneyreport/report.htm?source=umrlkeml300292 "Alliance & Leicester With a discount of 2.40% off our Basic Mortgage Rate, pay 4.44% for two years with no tie-in after the discount ends (6.8% APR). This market leading rate is available for up to 95% of the valuation of…
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To jump or not to jump?
Has anyone bought or sold using Jump and what kind of experience was it? How long was your property on the market? Were Jump’s predictions accurate – they seem very confident of selling quickly, even though their asking price is much higher than the others I’ve had. ??? ???
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local authority searches
where can I get list of questions to do my own local authority search???????
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changing mortgage
can anybody tell me if i can get my ex partners name off the mortgage by changing companies so that it dos'nt cost me for legal fees
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buy to let tax question
I have a BTL property which will make a loss of about £2k this year due to it being empty for 3 months and refurbished. My question is does this loss carry over until the next year or years tax treatment for the investment? Or does it just mean that I will not be taxed (or have tax refunded) on £2k of income from my…
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Tracker or Discount?
I am looking for a new mortgage as my current deal is running out at the end of October. I am currently on a 1.5% discount deal withe C&G. They have offered me a 1.35% discount for 2 years (i.e 5.4%), They also do a tracker mortgage (+0.64% above base rate for 4 years) so at 4.75 base rate (I think that's right but please…
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37 with NO credit history. can he get a mortgage?
my brother is 37 years of age and is finally planning to settle down and is HOPING to get a mortgage. He is living in scotland and needs aprox £40000 mortgage and has roughly £3000 deposit. His problem is that he has NO credit history whatsoever good or bad. He has never had a credit card, loan, or any type of credit in…
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Cold feet/pulling out of a purchase
Got a purchase almost ready to exchange but having very cold feet. Looked at objectively we're not in a house swap/trade-up situation so are not already invested in the market to a similar extent, although not cash poor first time buyers. Reason for purchase is due to job relocation. No real objection to renting for next 6…
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Mortgages for retired couple
Retired parents need to raise capital £25-30k for some building repairs on home but don't like idea of equity release products. Anyone know of lenders or brokers who will offer mortgage product based on home worth £300k, income circa £25k. Ideally looking for 20yr mortgage interest only principal sum repaid on 2nd death?…
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Different currency mortgages
HI, Has anyone seen this article that was sent to me today? http://www.everyinvestor.co.uk/timArticles/tim_261_27_.asp. It says that you can reduce your mortgage down to 2% by using this service - is it too good to be true? I am currently looking to remortgage to consolidate our debts so this looks like an attractive…
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remortgage advice needed
Advice needed please - I am just about to run out of a discounted mortgage with Northern Rock but am still in penalty time but dont want to go back to full price rate can anyone give me some advice my house if valued at approx 110,000 and I need mortgage of 50,000. Cheers
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Selling To Rent
We are considering selling up and renting. We are restless to move, and hae spotted a "dream home" nearby in our overpriced area. Our income would not qualify us for a mortgage on such a property - but we can afford the monthly rent, which is little more than our current mortgage payments. The other obvious benefit would…
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Remortgaging to consolidate debt...a good idea?
Hi all I'm at the end of a tied in mortgage with Standard Life, and am shopping for a better alternative (of which I am sure there are many!). I am thinking about raising some cash from my mortgage to pay off credit card debt of around £8k. A couple of questions... is it a good idea to do this in the first place? And will…
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How much I have paid off on my mortgage?
My fixed rate mortgage is coming to an end so I am looking around to see what is out there but I am struggling to work out how much my new one would be - given that I have already paid some of it off. The deal that I am currently on is a capital and repayment, fixed at 3.79%. Is there a formula that I can use to work out…
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Deep joy :|
weve come to the end of our base rate tracker with the nationwide and its served us well for the 2 years its been running, however with the interest rates set to more than likely rise a bit more than fall in the next couple of years were looking to move our mortgage, also we want to avoid slipping into their base rate. id…
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advice on selling house or shop please.
To cut a long story short, I've inherited a shop worth £70.000 which has a totally safe long lease on it. Also a house which is very run down but i'm doing it up.It was going to be two flats but some tenants are too much hassle. Upstairs is rented to a friend at the min for £50.00 per week, after just having £10.000 spent…
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morgage refusal
i have £60,000 in a bank account and wish to buy a house. i live in scotland & looking to buy for <£90K. i am originally from brazil, have held full uk residency for 8 years, am not employed due to autistic son. i receive a substantial income of £1100 per month maintenance from ex-husband + £300 per month disablity living…
