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Mortgage transfer advice
I would like to do some home improvements. My house is valued at £130K with £19K outstanding. My mortgage has been with the Abbey since 1986 and finishes in 2010 and my monthly repayments are £330. I have been self-employed for 22 years not making a fortune but just ticking over with no bad credit history. Quite honestly…
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Best 2 year fixed mortgage
Can anyone give advice on the best 2 year fixed with minimal admin fees please? This would not be a remortgage, just wanting to move house and increase the mortgage. I've been quoted so far: C&G 5.09% 2 Year Fixed, no admin fees (applies only to existing customers) - but I have to pay £295 to close my EXISTING account down…
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mortgage to buy land??? low loan to value mortgage? borrow more??
Hi all, I'm seriously looking to try and do a self build house. We've (me and my g.f) been looking for land for some time and have registered with various sites for finding plots. Land is very expensive in the areas we are after (worcester/west midlands) and I was wondering if any of the mortage guys/girls out there could…
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Should I put her name on mortgage??
My girlfriend recently moved in and has asked if I can put her name on the mortgage. After a quick google on this it seems it's likely to cost around £150 in legal fees + possibly stamp duty charge as well (although I'm not exactly sure whether this would apply - the house was originally bought for £60k but is now worth…
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Endowment Complaint to FSA...Time Limit ?
Hello All I have a 20 year endowment which is due to end in 2 years time. There is due to be a £5000 shortfall when it matures. In 2002 I complained to the Halifax who had sold me the Standard Life endowment policy. Despite the fact that I was a single person at the time of the sale of the endowment, with no dependants,…
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First time mortgage
Hi All, I am wanting to part buy a flat there are not many lendings out there that will only lend you 34% of the total price. I also want to consolidate my car loan in with this. Does anyone know who would do this at all? Kat
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premium bonds or redemtion
Any thoughts. I have a £50,000 mortgage with N/wide fixed until October 2004. I have £6000 in ISAs £5000 in savings account. And £30000 in Premium Bonds. Over the past year i have won about £800 (next month its the big one and all this will be academic). Now my question, do i use the Bonds and savings to reduce the…
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Re-mortgage advice, re term & overpayments
I am looking for advice on my re-mortgage plans any advice welcomed Currently locked with Northern Rock for another 11 mths 1% penalty on £65000, I am looking to Re-mortgage the £65000 with another lender either over a 10 or 20 yr period. I am hoping to get a 3yr discount rate and continue to overpay on this figure the…
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Endowment Compensation - maybe as easy now as falling off a log?
(withdrawn)
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Can I buy second property?
I currently own a property worth £230k with my brother. We have mortgage of £150k because I put down £80k I made on my previous flat. I bought with my brother to help him get on the property ladder as he couldn't afford to buy on his own and because I made a career change that meant I earn less than I used to. Because I…
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Buying parents house
could anyone give us any advice on how we could do this my boyfriends mum has offered us to buy her house for around 80 - 90000 its worth around 140000 how wold we go about getting a mortgage for this is it possible? were first time buyers too, any advice will be appreciated thanks in advance
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Will we be able to get a mortgage ?
Hello All looking for some informed advice My wife and I are presently travelling around Europe (Currently in Sicily). We have been property owners in the past. We sold our third property back in February 2004 and used majority of the proceeds to purchase a large motorhome which we travel in, and the remaining £15,000 is…
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Mortgage for self-employed
Hi there, Do I have any chance of getting a mortgage while being self-employed? I thought it was going to be hard before but it appears even harder now. It's comlicated more by the fact that I'm 4 months away from getting my first year's worth of accounts. What options do I have in gaining a mortgage? K
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Equity Release Situation
I'm helping my mum look into equity release for her house. She'd like to get around a £30,000 lump sum on her home which is worth around £120,000. She currently has a £12,500 interest only mortgage, which she'll probably pay off with the new mortgage, leaving around £17000 to spend. Her income is state pension plus £250…
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offset v fixed
I would welcome any advice please as I have to make a decision this morning - I am looking at a 11 year mortgage of £34k. I have been offered a fixed rate 5 year at 5.09% with a booking fee of £395 and an offset of 5.25% - which is the better option?
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Free £100 - no lose situation
I bank with First Direct but my mortgage is with the Newcastle. This afternoon they offered me a no-lose option. When I called to make a transaction, a lovely lady said there is a "special offer" whereby they will compare my mortgage with theirs and if they cannot beat my current deal they will give me £100. I am a canny…
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Advice Please
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Mortgage broker & Redemption charge
On a TV programme this week, Martin suggested using an independant broker to find the best mortgage. I have to second that! Our circumstances changed when we were just over halfway through a 2-yr discounted deal. We sold our house and as we hadn't yet found a new place we moved into rented accommodation. This meant we were…
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4.79% Fixed for 3 years......any better?
Hello , just looking into a mortgage or remortgage ( a bit complicated as I only own 60% o a shared owerner ship proprety , my present debts are 67.000 with woolwich at 4.44 discounted )and my other half wants to purchase the remaining 40% ......so either I wait until jan 2006 when my 2 year deal is over and remortgage the…
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Remortgage or credit cards ?
All suggestions, help and advice appreciated. In December my current fixed rate deal on my mortgage comes to an end (currently fixed at 8.99%, yes I know it’s high it was a 10 year fixed rate deal that was good at the time). Come December I will have about £13k outstanding over a 5 year period. I currently pay just over…
