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Equifax/Experian rating help please
Hi 3 months ago i applied for a top up on my existing mortgage to move house which has 3 more yrs to run, 5 yr fixed at 4.75% (as a 1st time buyer i wanted security for a few yrs). it was approved in principle so i found a house and sold mine. In that time ive been switching a credit card debt between 0% cards and when i…
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Mortgages and short term employment contracts
Hi there Could anyone possibly help? :confused: I am just wondering if having short term (3 or 6 months) contracts from your employer will be a barrier for me for getting a mortgage. My partner and i are hoping to jointly buy a house. I have applied for a job which is a short term contract. My partner is on a permanent…
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Euro mortgages?
A question for you financial wizards out there. Is it possible to obtain a mortgage on a UK property from a foreign bank in the EU? In theory if it is possible then as base rates are only 2% in Euroland then the mortgate rate would be about 4%.
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First time buyer
Hi there, I'm looking to buy a house to let in the future, maybe a year down the line. Just wanted to know if im a first time buyer how much discount would I actually get? or on average what the rate will be? Any help would do thanks
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Disclosing a drop in income to a mortgage lender
I'm self employed and took out a self-certified mortgage in June 2003 with Bank of Scotland. I was quite cautious and didn't dive in and go for the maximum mortgage value available, however I now find myself in a position where I am having great difficulty in meeting the mortgage payments. Having been honest in the past on…
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Can anyone advise me please?
I have three Legal and General endowment policies. The first one was taken out in July 88, the others in 91 and 92. I have been receiving notification of shortfalls (who hassn't) and have acted by increasing my repayment side of the mortgage to cover. I was sold these products by a financial advisor back then. I have…
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Surrendering endowment within 10 years
I heard that if I surrender an endowment before 10 years is up I may be liable to tax. Would that come under capital gains tax (in which case my personal allowance should cover it) or income tax?
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Re Mortgage Advice
Hi all. I have just come to the end of my lock in period and it's now time for me to get a better deal. Trouble is I haven't a clue where to go. I have used mortgage advisors in the past but my lasting impression was that the only people benefiting from the deal was themselves. There are so many deals available and I don'…
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How do mortgage calculators compute?
Can anyone tell me how mortgage calculators work? I have a £41000 repayment mortgage at 5% over 20 years. I have entered these figures into various calculators & they all calculate approx £270. How much of the £270 is interest & how much capital? How will this split differ over the course of the 20 years? Thanks in…
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pROBLOEMS PAYING MORTGAGE - ADVICE PLEASE
Hi My friend is in need of some advice regarding her mortgage payments. Her husband just got dismissed from his job a few weeks ago and is now unemployed.Now they have only her income to pay all the bills but she is especially worried about the mortgage payments.As insurance will not cover him because he was dismissed is…
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Mortgage Multipliers
Hi All, Does anyone know they best company with the highest Mortgage Multiplier ? i am looking at remortgage but need 5x joint salary, and also a main stream rate around 5 to 5.50% Thanks Trev
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£30.00 GP Bonus for "Remortgage Quote"
Greasypalm are offering £30.00 for a mortgage quote through West Bromwich Building Society. Click Here - Obviously you have to be in a position to make a genuine enquiry or the £30.00 will be taken back. NOTE - This is a Non Affiliate link, please do NOT post Greasypalm affiliate link in this thread as it is against Money…
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what is best buy to let remortgage?
Hello Does anyone know which Bldg Soc is offering a buy to let based on US interest rates. Something like a special offer for a few months of 2.99% followed by a US rate of 4.7% ? Thanks Smokeyone
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Whats the Best Lender at the minuite or best mortgage
I am a single mother, and i have a morgage for £55,000, My tie in period is up in May. I had a 3 year fixed and i liked it that way because i knew exactly what i was paying. My current lender is Nationwide and i am paying fixed 5.49% this was over 3 years but like i said expires in May. The early redemtion fee is £228. Any…
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Getting a mortgage -Large credit card bill
The last time I took out a mortgage the building society did a credit check on me and found I had a £1200 loan with a furniture company. I insisted that it was a 0% loan and didnt think it was a problem but they said I had to pay it off. Now thanks to Martin lewis I have £12,000 in credit card bills all at 0%. All of it is…
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Please help. Advice needed.
Hi guys. I hope someone can point me in roughly the right direction. I am looking to re-mortgage, but don't know where to go for the best and/or most complete advice, with the best chance of saving money. As a rough guide, I have a split endowment/repayment mortgage of about £70k (approx 60/40 split - More on endowment).…
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when remortgaging is there a certain ammount your house can be mortgaged up to
when remortgaging is there a certain ammount your house can be mortgaged up to. regards Lee
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Mortgage Advice - Adverse Credit
I'm looking to enquire about the possibility of getting a mortgage in the near future. I have however, got 3 defaults on my file from a few years ago. Can anybody recommend me some brokers/sites/lenders I can get in touch with to discuss my options? I'd probably only be able to get a maximum 5% deposit, this will obviously…
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money to buy shop/flat
Afternoon, (I've put this on the small biz board but no reply's so maybe someone here can help so here goes) I've been looking at a shop (Corner shop type) with large flat above which I would rent out, and would like to buy this with my friend however we do not want to use our homes as collateral also we don't have much…
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maximum age for BTL mortgage
can anyone suggest lender that will lend a BTL up to 75 years of age or even beyond?
