-
help us plz
hiya I really need help maybe someone could give me some advice please Me and my husband at the moment are living with his grandparents and expecting our first child, we have no money saved up at all, and he is the only one out of us working his income is 28k plus bonus. I want to no if it would be possible for us to get a…
-
Low Value Mortgages
Ok folks I need some help - I'm in the lucky position of wanting to remortgage and due to having payed off a large part of my existing mortgage I only require a mortgage for 22k - I have been checking various mortgage deals but all require a minimum of at least 25k with many wanting more Does anyone know of any deals…
-
morgage brokers
Im trying to get a remorgage to buy out my ex husband. I have a couple of bad debts that are hindering my progress even my current lender will not allow my ex's name to be removed from the deeds as they see me as a bad risk. I also need to switch my current interest only into a repayment as my endowment has a very large…
-
Extend my mortgage?
As I now have a quite large shortfall one of my options is to extend my mortgage beyond the due date of my loan, and also of course the endowment part would have to be extended too. In the paperwork that I recieved with my yearly statement it states that if I was to go down that road and vary my policy I could face extra…
-
Where to get best loan deal - Self Cert! - Help please?
Hi, Can anyone point me in the direction where I can obtain a mortgage against my property. Value of my prop is approx 280k - Owe 11k I need approx 200k for auction property coming up soon, which I then intend to mortgage (And let out)for another property purchase. Rather than paying a Mortgage advisor I wish to compare…
-
Do i tell?
My existing lender that i'm moving? New lender is to be Natiowide, they pick up the legal bits'n'pieces so do i need to even tell my existing lender that i'm off or odes it work like switching gas/elec/phone etc inasmuch as i just sign up with new lender and that's that. Curent lender C&G have little in the way of new…
-
Remortgage novice - a couple of questions
Hi - status 'novice', treat me gently when i ask a simple question which has been bugging me for months! I've got a £45000 interest only mortgage, i need to pay this off 10years max, switch to repayment as the endowment's long gone and i'm getting grey! So - my simple question is this, a 10yr fixed (nationwide) sounds good…
-
underperforming endowment - do I get rid?
Hi, this is my first time on any forum, I am desperate for sensible advice. I have a mortgage endowment policy running from 03/86 to 03/2011. Sum assured £10560, death benefit £30k, original projected maturity value in xs of £30k. It covers a £30k interest only mortgage and is, naturally, underperforming. Question :- If I…
-
roll over advice
Hi. I am seeking advice regarding Standard Life demutualisation. But firstly a little background, I too have tried to seek compensation for miss-selling, but so far I have not managed to get anywhere with my application, it would seem that its everybody else's fault and I feel I am going round in circles. My question to…
-
Offset mortgage or not?
We have a house worth £130,000 and are hoping to buy one for £160,000. We are hoping to redeem savings worth £30,000 in May. We are weighing up the pros and cons of taking an offset mortgage to cover the difference as we are not sure the money will be through in time to purchase the next house. We don't need to use the…
-
interest free morgage
Ive hered through the grape vine that h s b c give interest free morgages to the muslem society ( please can i make it clear that im not racist) but was wondering if this is true and also wondered if any one could go into hsbc and demand equal treatment?
-
repaying mortgage weekly instead of monthly
Was wondering if anyone is aware of being able to pay a mortgage weekly instead of monthly. I have heard this can result in considerable savings in interest payments. Does anyone have any other info on this?
-
Shared Ownership mortgage needed
Hello I have my name down on a lovely 2-bed shared-ownership property, but the mortgage lender we did the dip with has changed their offer, so that I will now pay 1% more and get no free solocitor (leeds and Holbeck, they ended the offer overnight monday because of the huge response). Does anyone know who else does shared…
-
Remortgaing Blues
Hi We've had a fixed mortgage with C & G for 2 years and been happy. We now want to change to another deal and borrow some extra fo home improvements. C & G will only offer a fixed mortgage of £5.59% for the amount outstanding and some homeowner loan at their variable for the extra. Then charge £199 to change! So it looks…
-
Mortgage Error that they want me to pay for!
I recieved a letter today from my mortgage lender (Mortgage Express) that admits an error on their part in calcualting the interest on my mortgage. It then goes on to ask that we cover the shortfall in the last payment. Bearing in mind that the error was entirely of their making which they have admitted, it's somewhat rich…
-
Letting Out House - Help!!!
Hi, I've just been offered a new job which is not commutable from my current property. I can't afford to buy somewhere in London (even if I sold my current house), and so am thinking of renting out my home and renting an apartment in London with my partner as I want to stay on the property ladder. The thing is, I have no…
-
Mortgage deal coming to end - help!
Hi I've got 2 parts to my mortgage (sub accounts?). The first main bit is £100,000 and the deal runs out in Sep 06. The second bit (£25,000) runs out at the end of next month. I was going to do my MSE bit and find a decent deal but all the advice I've received seems to be: let the mortgage go to the variable rate without a…
-
I'm desperate. Will anyone help me?
Were do I begin! I am 43, I owe around £70k, on a mixture of credit cards and loans. Not all through my fault. I was a director of a company and my business partner was taking money out of the business without me knowing. He also didnt pay off any off our debts, subsequently I have defaults and a ccj. This then led to my…
-
Useful info for mortgages, fees, budgets, advice etc!
Not sure if this has been posted before (can't see it) but http://www.fsa.gov.uk/consumer/07_MORTGAGES/index.html is a cracking site for info, repayment calculators, budget planning etc. Found it through a survey site i use & theres some interesting stuff on here, worth a look to anyone who need a bit of advice I reckon!…
-
Any of your expert views on this mortgage offer A&L
Evening all I am like many of you who are currently comming out of a fixed rate mortgage and considering what to do next. Reading the email to from martin, it looks like there are a lot of us. I am currently on a fixed rate of 3.99% (those where the days) with the staffordshire, and when this finishes shortly, their…
