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morgage calculations
hello chaps, i used a web site a while ago where you enter your relevant details and it show you how much each buiding society/bank will lend you. problem is that i can no longer find where it is. if anyone knows it let me no. cheers
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Sell Endowment, pay mortgage?
My Standard Life endowment has hit red alert for a shortfall of anything up to £10,000. It has four years left before maturity (same as mortgage term), which would mean paying a further £2,500 in premiums while still facing the probability of having to make up a substantial shortfall. If I surrender it and immediately pay…
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FTB Advice Sought
Does anyone know about mortgages based on net profit of a company, as opposed to your own salary. Basically, I'm the managing director of my own company, in which I am the 100% shareholder. I have 3 sets of accounts - business was incorporated in Jan 2002. I want to base my mortgage on the net profit that the company…
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URGENT HELP NEEDED! MORTGAGE vs CCCS PLAN!
Hello, I'm currently on a debt management plan with the CCCS - but am hoping to be able to sign on a joint mortgage with my boyfriend. The meeting's tomorrow, but it's dawned on me that it may affect my repayment plan, which I can't afford to jeopardise. I don't know if it will, but I dont want to take on a mortgage and…
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Income Payment Protection vs Mortgage PPI
We are curerntly in the process of getting a mortgage with our bank (HSBC), and they have offered us their standard 'Mortgage Payment Protection' (covering accident, sickness & unemployment), which pays out a proportion of your mortgage payments for up to 12 months. I found this much cheaper at Help-U-Pay (Pinnacle…
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Facing an unexpected early repayment charge!
This time last year I took out my first mortgage (Halifax). Yesterday I received my annual statement, to discover I'm being charged a big redemption fee for overpayment :( Now this goes directly against the advice given to me by my mortgage advisor, who as I understood it said I could overpay by 10% each year and would…
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Remortgage required with no fees unless successful
Does anyone know of anyone who offers a remortgage service with no fees unless the application's genuinely succesful. I know most say that they'll tell you if you'll be succesful before they charge any fees but I'm finding that this is not strictly true (eg, Abbey & NatWest). As my finances are quite complex I'm reluctant…
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Halifax Mortgage Advice
I am currently going through the process of buying a new house and have taken a mortgage out with the Halifax. A copy of my mortgage offer was sent out to my Solicitor, Financial Advisor and My home address. The Offer was sent about 1 month ago but we are waiting for the construction of our new house to be completed. A few…
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Halifax Mortgage Advice
I am currently going through the process of buying a new house and have taken a mortgage out with the Halifax. A copy of my mortgage offer was sent out to my Solicitor, Financial Advisor and My home address. The Offer was sent about 1 month ago but we are waiting for the construction of our new house to be completed. A few…
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Mortgage/Buy Out Situation
I did post yesterday but I have been thinking a bit more about the situation and I would (if possible) like to buy my ex partner out. Basically as I said yesterday I am locked into a 5 year fixed mortgage the redemption penalty would be in the region of about £3700 :eek: having thought about the situation at great length,…
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Best 5 year fixed rate mortgage
Can anyone tell me the best rates for a 5 year fixed mortgage. The ones that I have found so far are A&L 4.54%, Britannia 4.39% and YBS 4.49%. Have I missed out any mortgage lenders? Belief me, I have browsed many websites already, but if anyone can find even better deals, please let me know. Cheers.
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getting a mortgage and changing jobs
like the title says, i'm going to be applying for a mortgage soon and am currently employed by a company (3 months so far) after coming from self employment. One of the reasons for leaving self employment was so that we could get a better rate and make it easier to get a mortgage (as well as a good way to top up the…
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Best remortgage offers?
I currently have a tracker mortgage with C&G, of which I have had for just under 2 years and am possible looking to re-mortgage, but what are the best offers/key features to look out for? I also plan to increase my payments due to a rather big pay rise. I am also due to read the document that is being offered on here, but…
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Equifax Using Mortgage Provider
Anyone aware of a high street/mainstream mortgage lender that uses purely Equifax for the credit check searches?
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What can we afford
Looking to self-certify with around £1200 a month disposable income to cover all housing costs (mortgage, insurance, bills etc). Wanting to pay minimum deposit. Does anyone know the best place to go to find out what we could borrow on this and at what price? Many thanks, Sagara
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Fixed rate runs out ...... who next ??
:hello: Hi All, Just a quickie really about fixed rates. Mine runs out on the 30th September, it was 6% but looks like my monthly payments will shoot up, i know i should have changed it earlier but i'm rubbish at remembering stuff until it's too late :o On a £44000 mortgage who would it be best to change to ? by the way i…
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Mortgage for foreign property
Dear Helpful and Knowledgeable ones, We have a property in Spain that is nearing completion. Upon completion, if we haven't sold it on, we need to get a mortgage on it. (We put a deposit down on it last year and have bought the 'right to buy') Could anyone recommend a reliable mortgage provider in either the UK or Spain?…
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Selling Endowment - Integrity
I am about to sell my Royal & Sun Alliance endowment policy through FastTeps to a company called Integrity (based in Waterlooville, Hampshire). Has anyone heard of Integrity?
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help-stooze pot into mortgage gave poor return - why?
I have a mortgage with nationwide . 5 yr tracker 4.74% in two parts £18k and £32k. house worth approx £200k Quick question – is my logic correct that 5 yr tracker is cheaper cos the setup fee is spread over 5 yrs rather than 2. Big question though surrounds issue of £17k stooze money. 2 options a) store money in cash isa…
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1st timers. Please Help ...
We are currently renting a house and really want to get onto the property ladder, however all advise we have been given seems to contradict. We have no debits at all and never have had. combined earing of £25,700, full time employment, aged 20 (nearly 21) wanting to buy property approx £115,000 - long term home. 1st option…
