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Shared Ownership Mortgages
Hi Guys Can anyone recommend a lender which does part buy mortgages at a discounted or low fixed rate? Many thanks Robbo
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Best Fixed Rate Deals Please
I am lookng to change my mortgage at the end of September and would like some help on the best fixed rates available for either 2, 5 or 10 year deals. Thanks :confused:
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Newbie question re: HSBC mortgages
Hi, Over the past few days my boyfriend and I have been ringing round various mortgage companies and found HSBC offers us the highest mortgage amount; £130k. We are both UK graduates aged 23. My question is does anyone have any advice on what kind of deal to accept i.e. fixed rate, variable rate for 2,3,4, years etc. The…
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Advice needed
My 2 year fixed rate is about to expire in september - my question is this. I want to get the best deal on my current property NOW, but in a few months time I may possibly want to move to a bigger house - so I don't want redemption penalties - is there a path someone could recommend me,i.e, types of mortgage that would…
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Northern Rock 10 year fix self cert
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newbie to mortgages
Now as far as I can see mortgages are not an easy matter! my query if anyone can help is if I have a deposit of £50K and my salary is £18K what is the highest i can buy property for. I have seen an decent place for £150K is there any chance if not what realistic for me? More info i'm 23, graduated in 2003 and do not wish…
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Reduce amount required for remortgage?
HI, I am in the processing of remortgaging and have found a deal I am happy with. However, I have some money from a cashed in endowment I put into a maxi isa 4/5 years ago which has only recently recovered its value :j If I use this money towards my remortgage it will only make £25 a month difference to repayments, so…
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Over Pay Mortgage or Save up for bigger deposit next time?
which would you do??
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Is it possible to get a mortgage with interest rate lower than 4.5%?
I'm looking for a mortgage that is fixed at base rate for 2 years (and will then tart on!). The idea is to may as little as possible in terms of interest and fees (which are annoying ;-)) Does any mortgage lender offer a starting rate that is below the base rate?
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help needed
my parents own there house i believe there mortgage is with lloyds tsb, well they i think have bad debt and black horse (i think this is lloyds tsb) have told them they need a serious payment to the account within a week or they are takin the house, i think they are looking for 3000 pounds. What i was wondering is there…
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Yorkshire BS Offset now Online
Great news - Yorkshire BS award winning offset mortgage is now available online. Have found YBS to be good and this tracker account has worked well for me. Now delighted that I can view my account online to view direct debit payments going out etc and instruct transfers out to my bank account (previoulsy had to request a…
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First time buyers with 3rd Party?
Hi We are thinking of buying a house with my sister in law. We are all first time buyers. 50-50 split on the repayments and she will pay all bills because she will be living in it. Does anyone have any advice on the best type of mortgage, best place to go for contracts to be written up, pitfalls etc... Your help would be…
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Self Cert deal - any good??
I am in the process of buying a house with my OH. We need a self cert mortgage (because I'm on a fixed term contract and OH is self employed - we aren't inflating our incomes!) and would like to start off on an interest only fixed rate (fixed for 2-3 years) to help with budgeting. We have a 25% deposit. I'm struggling to…
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Offset Mortgage advice
I'm not asking for a definitive answer, more a list of suggested possibles. Very small mortgage outstanding on existing property. We want to remortgage to raise funds to finish house renovation and to have capital to use as a start in a new place if we decide to emigrate. We figured an offset mortgage would be beneficial…
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Please help,wanting to buy...
Have been reading the boards for ages but this is the first time I have posted,so will try not to ramble too much :) I am currently renting (rent £550 pcm).I would like to buy,I have 3 children and want to settle. Current house prices in the area are 120,000 upwards for a 3 bedroomed house. My bf works full-time earning…
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85% valuation mortgage
for a UK Ltd company. any ideas? thanks
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Mortgage on divorce
Hi! I'm in the middle of a divorce and at the decree nisi stage. My husband will not move out of our house until he can buy his own property. I really need to buy him out, but do not earn enough to raise the mortgage from a conventional lender. I will need all my income sources to come into the equation e.g working tax…
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Endowment - am I too late - need advice
Hi, I may be too late anyway? If not - I honestly do not know who to approach. I was sold my edowment by an independant recommended to us by the halifax. The guy concerned sold it to us advising us to go 40 years instead of 25 - which we did - however he was then done for fraud and was dealt with by the courts. I can't…
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Endowment - am I too late - need advice
Hi, I may be too late anyway? If not - I honestly do not know who to approach. I was sold my edowment by an independant recommended to us by the halifax. The guy concerned sold it to us advising us to go 40 years instead of 25 - which we did - however he was then done for fraud and was dealt with by the courts. I can't…
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Advice needed urgently - cooling off period.
Please would anyone be able to advise regarding a cooling of period after making a mortgage application. We are first time buyers and have a mortgage in principle from the Northern Rock. We went ahead with a full application on friday with a mortgage advisor and have given him a cheque for a valuation fee. It is a 100%…
