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Mortgage statement - how is interest calculated
Hi I thought I posted this yesterday but cant find it, any help much appreciated. We pay a fixed amount of £325 of on our mortgage at the beginning of the month and interest on the balance is added at the end of the month. The mortgage is on a fixed rate. My query is why does the interest payments flucuate each month…
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First Time Buyer with about 8k debt
:confused: Hi Experts, Would i be better off paying my existing debts off or consolidating these with my first mortgage, which will probably be a fixed. I can afford upward of £100k and am thinking of purchasing around the £92k mark, using the rest to pay off debt and buying essentials. I really need to find out what my…
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Right to buy purchase
I need a mortgage for a right to buy. I cant prove my income. I have a 10% deposit. Does anyone know of any lenders that would help me.
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Cashing an Endowment
We've had a settlement figure for a 7 year old endowment the other day and I was wondering whether someone could tell me a bit more about these companies advertising getting more money back for you in return for your policy. Do they give you significantly more than the holding company ?
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i wanna remove my name from mortgage
hello all,be patient with me this is the first time i have posted!! my partner and i have just got ourselves a joint mortgage.what i want to know is can i take my name of it and put it back on again in a years time when we get married?? my partner is willing to take full responsibility for the mortgage if my name gets…
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Accessing my Equity
I have also posted this on the debt free wannabee board but thought you mortgage experts might also like to have a say on my dilemma. VERY NEW TO THIS AND NAMED MYSELF "ANGELOFABUNDANCE" BECAUSE I LIVE IN HOPE! My partner and I are on a Debt Management Programme with CCCS who have been fantastic. We've made real progress…
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life insurance +endowment? dhss help
hi my mums pal had a 10 year life insurance with an endownment so after the 10 years she gets £10.000 before she can cash it she get a knock at the door the dhss want her 2 pay rent and poll tax for the last 2 years because she now has the £10 .000 do insurance companies inform someone when paying out insurance at the end…
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I want a morgage that lets me pay it off early
Is there a particular type of mortgage that lets you pay it off early , and by that I mean one that does'nt sting you with charges for doing so. Any one know a type or a particular lender that lets you reap the rewards by doing this please? A sort of variable payment thing I am after as I am self employed and have some…
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Newbie Mortgage Related Question
Hi to everyone, Would kindly appreciate it if any one can help me with the following: I'm interested in purchasing a 2nd property and my current status is that I own my current house outright. Does any1 have any idea if I could obtain a mortgage based on my current property. Thanks in advance Kiy
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Mortgage advice needed after relationship split
Hi all. I'm hoping this is an appropriate forum for these questions. My partner and I recently split after nine years. At the moment I'm trying to get a grip on what our options are with regard to buying a property. We would both prefer to buy rather than rent and for various reasons my ex wishes to stay living in the…
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Mortgage for older person
Hi Everyone, Does anyone have any info on the above subject. I have recently returned to the UK after spending the last 30 years in the Far East and am now looking at buying something small in Lancashire. How important is age when applying for a mortgage.????? I am 63. Thanks Roger
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Conveyancing - any cheap but good ppl?
Hi All, My boyf has just sold his house (well accepted an offer ...) and an online conveyancing company looked good but the small print shows lots of extra fees. Anyone used anyone cheap recently? How much did it cost? Cheers!!! Love EJ
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what is the best adverse credit mortgage?
Hi, We've been offered an 'adverse credit' mortgage of 6.39% fixed for 2 years and 6.99 variable after that. We're tied in for 2 years, and there may also be some fees due if we swap in the 3rd year, that hasn't been made 100% clear yet. The mortgage will be for £90000 on a house worth £160K as part of my divorce…
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Mortgage Application
Hi I am making a first application for a mortgage soon and was wondering if the lenders take into consideration a student loan when deciding to lend or not? What I'm saying is - Can I hide this from them as it doesn't show on Experian/Equifax credit checks. NB - I'm not paying it back yet as have to earn over £22k Cheers
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Britannia requesting money months after completion ?
We moved our morgage to Britannia in July and now they are requesting money for legal fees and disbursements that they had not collected on completion in July 04. Where do I stand with this ? Do I have to pay as it is their clerical mistake and not mine ? Any help gratefully received !
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another mortgage question?
will i still be able to get a personal mortgage to buy myself a place if ive recently taken out a buy to let mortgage? reason thinking was get a place and start letting it, then it'l lbe easier to find a 10% deposit for my own place as opposed to doing it the other way. buying a place to live then needing to find 20%…
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1st time buy to let?
Probably going to get a 1001 different answers but i thought id try you guys (and gals) for some advice as im sure a few of you are well up on buy-to-let. I've got £20,000 for deposit and was thinking of buy to let a place in a town i know well. Is it a good time to do so? i know property prices are very high at present…
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Commission Share
Having done my own research and decided what remortgage to go for, it seems some brokers may have special arrangements with some lenders so could give me a better deal and cop a wad of commission. Are there any brokers who are prepared to share their fat fee with the punter?
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Paying Off Mortgage Dilemma.......
Could anyone please advise me? Our joint mortgage, covered by endowment policies, is due to finish this year!! However, there will be a shortfall of probably £4000, at the best - we have, in the past, paid off a lump sum, and are currently overpaying each month, which has definitely helped lessen the shortfall. My husband…
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Buying a House, but..........
Hi, I don't know if this is the right place to post this, but i was after some information. My boyfriend and myself have spoken about moving in together, we both have good jobs with decent salary each, so we would prefer to buy somewhere and get onto that property ladder rather than renting. Only trouble is, my boyfriend…
