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Remortgaging - Halifax or Nationwide
Hi I'm posting this on behalf of my colleague while he waits for his account to be activated, so please be gentle! Having read that the fixed rates may soon go up, thought this might be a good time to remortgage from the Halifax SVR to a 2 yr fixed rate with Halifax or Nationwide (YBS another alternative). Also to get a…
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I can't afford fees
I'm looking for a new mortgage as my present product ends at the end of Sept. I'm interested in paying nothing for it, as I have a Buy to Let that's costing me a bit at the mo. I have a friend that works at https://www.moneyexpert.com one of the brokers there has dound one for me, it sounds pretty good, just wondered what…
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Buy to let mortgage help
Hi all , I am new to this site so be gentle please . Can anyone assist , I need pointers as to where to look for buy to let finance . At present I have 1 property on a buy 2 let basis ( about 50% equity ) and a property abroad owned outright . Our own property has a loan of about 65% outstanding . I am keen to invest in…
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Help please re friend splitting with partner!
Hi there, I hope I am posting on the relevant forum and apologise if not. I wonder if anyone has any knowledge regarding a friends situation. It is a bit of a long one so apologies again. A very dear friend of mine is splitting with her partner. They are not married and they bought a house together last october. She has…
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mortgage and loan
my partner and myself want to take out our first mortgage but we have about £25000 of debt that would be on top of a mortgage payment. Does anyone know of any banks that do a mortgages and loan combined or let you have a mortgage and then additional borrowing for debt consolidation. we are first time buyers.
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Is This Possible?
Hi all, Does anyone know if it is possible to have a house that is jointly owned by two people that is not currently subject to a mortgage, yet take out a new mortgage secured on said house with only one person on the mortgage. Is their a way for the other owner to postpone their rights in the property to those enjoyed by…
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remortgage with no reservation fee
My mortgage with nationwide is coming to an end next month. It's for £30,000 and in 2.5 years 9,000 should be paid off by endowment policy. This is what nationwide has offered me and wondered what you thought. Since its a fairly small mortgage they suggested paying a higher interest and no reservation fee: 2 year fixed…
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Re-mortgage fixed rates advice
I've just found a fixed rate deal at Nationwide who are offering a fixed rate of 4.89% for ten years. APR 5.4% variable. Reservation fee of £389.00 Admin fee of £95.00 Both of which can be added to the mortgage, but have decided this is not a good idea. Is it a good idea to arrange a fixed mortgage for the next ten years…
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Partially successful mortgage move
Well, I moved my mortgage from Bank of Scotland to Lloyds TSB and reduced it by £60 per month. BUT, the mortgage was redeemed on the 17th and the bank took a payment on the old mortgage on the 22nd. I bank with the Bank of Scotland as well so its the same bank. "No problem" I thought, I will phone the bank and ask them for…
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HELP! - buy to let ex council flat!& time...
Currently having dificulties remortgaging from a discount - to a buy to let. Basically I plan to buy a new property (to live in) using the equity from my existing flat as a deposit. - (and rent it out as a long term pension plan) This has been going on since the 23rd of May - and last week I was told the buy to let cannot…
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Buy to let
My husband has had to move away with work and i want to join him as soon as possible; we don't want to loose our one bed home in Essex as it is in a good area and we would struggle to affoard to get back. The house is now being rented. Our current mortgage lender agreed this. Our fixed term is up and we want to release…
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Endowment not paying - whats the best no win no fee?
Cut a long story short, my parents are stuck in a bit of a rut, their rather large (wont tell me how much :mad: ) endowment isn't going to pay up. They've sent the letters off to the revelant financial compancys and have basicly been told that no one gives a monkeys. They've asked me to ask on here if anyone knows a no win…
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Is it the One?
Does anyone have any views about The One Account from Virgin Money? I've just come across it and wander whether it's worth pursuing.
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rent to mortgage
[COLOR=Purple]please is there any one out there who knows any banks or building societies who does good deals on the rent to mortgage scheme ? :confused: i couldnt afford to pay for all of my home so i am buying approx 1/3 of it, i just got on the scheme in time but some of the banks i have contacted dont know anything…
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Endowment query - who do I complain to?
Hi everyone, Newbie here - always enjoy reading the site, never had to post here before though! I have a query on one of my endowments - I have two, bought for seperate properties, but I sold one and kept the endowment on. One in particular I'm concerned about. At the time ( Feb 1994 ) the advisor, an IFA, told me that…
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Redundant..What NOW !
Ok the Mortgage is a little to much to continue paying (shortly) anyway. So what do i do. 1) Approach them and ask if i can reduce my payments, ( the house is now up for sale so I wont be paying forever any way) the downside i guess is that it will go on my credit record. 2) could i get another cheeper quote for a mortgage…
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mortgages for the older person
I hope someone can help me with a couple of questions. my husband is 47 years old, he earns 33k pa and has an excellent credit rating, is it possible for him to have a 25 year mortgage term or would he only be able to go up to the age of 65? i only work part time irregular hours so i cant really be included on a mortgage…
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Flexible Fixed rate?
Ok, I'm a bit ahead of myself here, our current fixed rate is not due to end until march but having decided to go back to uni for a year next year I am wanting to look at the options now so I have a few ideas. At the moment we have a together mortgage with northern rock at 5.99%, the main advantage being we can overpay and…
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Best fixed rate mortgage that based on affordability
Hi, I am looking for the best fixed rate mortgage (2 year fixed) that are based on affordability (NOT income multiples). Can anyone point me to the best deal? I know West Brom is doing a 4.15% rate fixed for 2 years but is it based on affordability???
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125% Mortgages
Hello, me and my girlfriend are looking into buying a home. The problem is we don’t have much savings and with this being our first home all the extras are going to cost a lot too (furniture etc..). So my question is; are 125% mortgages a good idea? The extra money would obviously help a lot, but we are essentially putting…
