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is 6.65 % an ok rate?
We currently have a flexible Mortgage with BOS (not an offset but able to make overpayments and underpayments). This has been ideal for us as I have had 2 periods of maternity leave since 2003 and so we've taken payment holidays and paid in any bonus payments we received along the way. I've found out I'm expecting our 3rd…
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booking fees
These are meant to be non-refundable. After getting a decision in principle with credit-check, if you pay them the booking fee and they refuse you a mortgage, will they still keep the booking fee?
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Buying from Parents
Hi everyone. My parents were late buyers in the property market and took out their first mortgage for 39K around 5 years ago. The house is now worth around 115K so despite not having had the mortgage too long they have a nice bit of equity. Unfortunately, due to ill health and unemployment (and some pretty bad…
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£18,000 Mortgage
Can anyone suggest a good provider, or any provider that is willing to lend such a small amout? Any advice would be greatly appreciated. :beer:
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Best Offset Deal Around???
Dear All This is my fist post, let me tell you that I find this forum very useful so I am glad I found it. I am considering remortgaging to an offset mortgage as y current deal is up with abbey. Could you tell me the best offset deals available at the moment? My situation £113,000 mortgage on a £132,000 property and about…
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First time mortgage after Bankruptcy, Is it possible?
Hello everyone, Firstly I'd like to say thanks for all the advice I've picked up since I started lurking here about a month ago! :j My questions is this.... Would it be possible to get a mortgage with my bank after I was made bankrupt 2 years ago? I was discharged from the bankruptcy a year ago, and have been with the same…
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First Time Buyer - Help Please?
Hi, I am hopeing to buy a house shortly with my partner. I earn about £13,500 and she earns around £9,000. We dont have a deposit at the minute, but could get a £5,000 deposit together. We ideally want a house for about £100,000. We do not mind having the mortgage over 40 years but no longer. Some friends have recommended…
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Mortgage payment query
Do Mortgage comanies allow you to pay your monthly mortgage via credit card each month instead of monthly direct debit? Thus earning quite a hefty cashback bonus on the right card. Many thans for all your help :D
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2 Mortgages
Hiya Looking for some advice - I have a £54,000 Mortgage at present over 13 Years on a £110,000 flat which is £465 per month. I am looking to buy a bigger property but rent my flat out (For around £450 - £500 per month). Should I keep the smaller mortgage as Repayment or move it to Interest only and use the extra cash to…
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UK mortgage for expat
Hi, does anyone know the mortgage rules for British expats working abroad ? My brother works in the US, he would like to buy a property here as an investment. Has anyone here done this ? Any info would be much appreciated. Chris :confused:
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How much quicker will I pay my mortgage off
I am due a pay rise at work and plan to pay off an extra £100 per Month off my mortgage. I currently owe £105,000 on a repayment mortgage with 22 years left outstanding. Does anyone have any websites that will work out how many years this will take off the length of time outstanding on the mortgage. Thanks
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First Time Buyers Advice
Hi Everyone, Firstly, I tried to do a search on the forum to see if my query had already been answered, unfortunately the search facility timed out on every occasion :confused: so apologies if my question is slightly obvious and preaching to the converted. I have used Martin's advice in the past to reorganise my finances…
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First Time Buyer-Advice Would Be Great
Hi I am looking for buy a flat for around £130k and put down a deposit of 10k. I have no debts and earn 20k, does anyone know of any lenders who will lend around 5-6 times salary and basde their decision on affordability as opposed to the strict 3-4 times salary. Any advice would be appreciated. Many thanks James
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Mortgage Advice
Hi, I need a bit of advice please. I currently have a balance of 8k on my 2 credit cards (1 is 0% for 12 months). Circumstances mean my wife and I need to get on the ladder if possible asap. Ideally I would like to pay my debt off first but our situation means we need to find somewhere now. Realistically Is it possible to…
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Mortgage advice
Hi, Would be grateful if someone could help me out with mortgages... I'm totally new to the whole thing having rented for a few years across London, currently in Canary Wharf where I'm paying a stupid amount of money to live with my girlfriend very near to where I work. I'm looking to buy somewhere in one of the following…
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Mortgages - buying and then letting out the property?
Hello everyone, We are thinking of buying a property in an area we want to move to in 3 years time. We want to buy now as we suspect if when we are ready to move there we will find ourselves priced out of the market. So we are thinking of buying to let. We have just enough deposit saved for a small property but not quite…
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borrow lump sum to pay mortgage
Can I borrow a lump sum from a credit card at 0% to pay into my mortgage? I'm not sure whether this is possible. Thanks, Alex
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Middle-aged 1st time buyers, poor credit, help !
Hi, My wife and I are in our 40's and living in privately rented accomodation. We've decided that we really need to finally get our own place, but neither of us have ever owned a house before, nor had a mortgage, so we are complete novices on the subject. The problem we have is that her credit rating is poor, and mine is…
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Loyds TSB Scotland? (Sunday Times)
Is Lloyds TSB Scotland different from Lloyds TSB England? I cannot seem to find this deal listed on http://www.lloydstsb.com ?
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endowments & Vickers Anderson - advice please
Hi, all! i'm new to this thread and site: hope this is right place to post: i have been contacted by Vickers Anderson Consulting, re my 2 endowments, sold to us in 88 & 89, financially naive, newly married etc + endowments run into my retirement. Vickers Anderson say they'll take on the case for 15% of final settlement.…
