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Nationwide Fixed rate
Hi I applyed for a 3 year fixed mort last week at a rate of 4.69%, i see now that the rate has dropped to 4.59%. What rate will i get the new one or the old one. Thanks Marco
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When do my mortgage payments start?
I am close to closing a deal on a house, should be looking to completion around mid aug to early sept. My mortgage payments come out on the first of the month, if i move mid month do i get 2 weeks free? or do I pay part month?
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competition - lowering rates
I don't like posting lenders rates ( in case as seen as a recommendation), so won't BUT Some recent rates drops might be starting a bit of a price war -- just had forward notice from a big lender for a new rate end of this week - Looks like the big lenders are begining to start undercutting cutting each other , so would…
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For all you fixed fans!!
:j Halifax are releasing a 4.29% 2 year fixed tomorrow!!! For purchases and remort's. It might just be available from brokers. Fill your boots! :j
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Additional 'top up' mortgage - considering endowment. Advice needed!
My family is outgrowing houses as fast as we can get settled in them! Basically, we are two years in to a five-year fixed rate with the Portman (3.99%!), but with two children now and with both of us wanting at least one more within 18 months, our three-bed, modestly sized semi is (I'm afraid to say) becoming rather…
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alliance leicester 5 year fixed 4.59
hello everyone my 2 year fixed rate with the AL is finishing on the 31st august.And I'm thinking of taking out the 5 year fixed deal which is 4.59 with £395 charge ,(the main reason for staying put is the redemption admin fee being £295 plus all the other costs involved switching) would it be worth my while to wait little…
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Mortgage Orphan. . .No one wants my money
Any advice welcome - I currently have a joint mortgage on a property valued approx £210,000 outstanding mortgage of £115,000 - ex partner stopped contributing to mortgage in Dec.04 - did not tell lenders or me - I have cleared arrears (2) and continue to pay full mortgage £780 p/mth. without difficulty. Heres the dilemma I…
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Selling Endowment Policy?
Hi, About 8-9 years ago I took an endowment with Barclays - not linked to a mortgage, just as a long term savings plan. Thing is, I now have debts, 2 children, and a partner who has recently had to give up work to look after the children (still works part-time), and the money in the endowment would cover about 65% of…
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Shall I wait until rate drop?
I’m close to completing a mortgage deal at 4.79% fixed for two years on 260k from Woolwich. It may take couple of weeks from now to the exchange of contracts stuff. I’m thinking of delaying the application until first/second week of August when BoE may reduce the rates so that the lender may do so too. Do you think it is…
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self employed accounts
I became self employed as an IT Contractor 6 months ago. Previous to that I had a Ltd Company and company accounts were produced by my accountant. I am a little confused when looking at the info about self certification mortgages. It often says that lenders will need to see your accounts. I don't intend to produce any…
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Offset Buy-To-Let Mortgage Available?
Hi, I hijacked a thread over the house buying forum with little response. So I'll break my questions down into individual parts here and see if anyone can help. Basically, are there such things as Offset Buy-To-Let Mortgages which allow you to buy more than one property over a period of time without having to get a new one…
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Level of Mortgage Protection Advice please
I'm just in the process of sorting mortgages and have a quick question about the level/type of protection I should take out. I've decided I definitely need Life and Critical Illness cover but my financial advisor is suggesting I should also think about Mortgage Payment Insurance which covers my mortgage payments if I have…
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Self Certification Mortgages
please can someone help me. I am trying to find a good company that does self cert mortgages that won't screw us on the valuation fee, arrangement fee and legals. If self cert is no good, then someone who deals with not exactly adverse credit, but a few minor problems a few years ago, so am dropping off the credit file…
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How can I use the equity in my property to buy second property abroad?
Hello folks, Could anyone give me some pointers regarding 'How I can use the equity in my property to buy second property abroad?' For example, If I owe £50,000 on my mortgage and the property is worth £150,000, that would leave equity of £100,000. Would I be able to approach my lender realistically and remortgage for…
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mortgage for students
Hi there I wonder if anyone can help. I've decided to become a student again unfortunately this means moving, We've found a house we like but i'm slightly confused as to how students are treated by the Mortgage market. I will get a studentship of 12.5K plus 2-3K Tax free for tuition and supervising undergrads. I will also…
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Mortgage Help...well remortgage actually
am just looking through the market to consider a fixed 5 / 10 yr mortgage (not sure if fixing for so long is a good idea)? Have just come across these 2 high street lenders.... can anybody explain these please as to me they dont add up Abbey = Our lowest offer - currently 4.64% until 02.10.2010 Changing to our Standard…
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End of fixed rate with non-mortgage debt problems help!
Our current mortgage deal with Northern Rock comes to an end at the end of September this year. This was our first mortgage and everything was dealt with by our broker so never really got to grips with the facts and figures, we were just glad to get a mortgage. We have just received a letter saying interest after this will…
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First time buyer... First mortgage...
Hello, I am looking for some advice or pointers on a mortgage. Currently I'm renting a room from a family member in london at a cost of £100 a week, but i'd like to start thinking about or getting myself prepared for a mortgage. Slightly outside of central london, maybe hertfordshire? I've been working full time for just…
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is it likely to happen?
basically we have found a house we love - its a grade 2 listed property that needs a bt of work - 3 bed end of terrace £90,000 which is very cheap for my area. both me and partner have good full time jobs in the nhs and ake home around 17K each. but ....... we have 25K of debt between us that we are comfortably paying off…
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Has anyone else had problems with ABBEY arranging a mortgage?
Hi, I just wondered if I am alone in my experience of trying to arrange a re-mortgage through ABBEY. They take forever to deal with any problems, Don't call you back when they say they will and the person that you NEED to talk with is never available. Everything has to be dealt with at branch level and if they fail to…
