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remortgaging
I’ve got myself into a bit of a bother with a re mortgage and I wondered if anyone could help me. I have a mortgage with the nationwide and just come to the end of a fixed period in December 05. I started looking at alternatives and applied to the Britannia in September 05 as they were offering a better interest rate, cash…
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Best fixed 5 year mortgage BTL
Help please Does anyone know the best deal on the market at present for 5 year fixed BTL based on income of the property rather than salary
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Second Charge or Remortgage - Advice needed
HI We have a property with 3 loans on it which is rented out at £625.00 per month. The property loans come to £125,000 and it is worth £205,000 approx. We have equity in it worth £80,000 upon which we want to release £25,000 to buy another property with guaranteed rental income (this is via a lease and is definite) which…
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Quick Mortgage Quandry
Hello guys, Can I pick your (powerful!) brains on my current dilema? Husband and I have had an unexpected offer on our house, last Tuesday. We were not expecting to get any serious viewers until March or so, and have not sorted out a mortgage yet for where we might want to move to. As it stand at the moment, we paid off…
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Virgin One Account
Hello everyone, New poster so bear with me. I have been looking into a lot of info concerning the Virgin one account, what I can't seem to understand is, why everyone is not doing this if it is as good as it appears! We have savings to offset but want flexibility on withdrawals. It would seem that if we were to withdraw a…
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shared ownership question
are there any places that will offer a similar deal to the one account ( borrow extra money at same rate as your mortgage) but for a shared ownership mortgage 50/50? cheers for any help and advice
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Paying A Mortgage In Retirement
Hi, can anyone enlighten me as to the possibility of obtaining a mortgage which would be paid into retirement.Facts are: age 54, mortgage of £80000, needed over 20 years.Deposit of £90000.No credit problems,no debt Salary of £24500.Retiring age 65,with pensionable salary of 63% of my final salary( will have been in pension…
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Where do i start with buying out partner?
Ill try to stick to the facts: I jointly own my house with my partner. We are splitting up (very amicabally, we still currently live together.) The house is valued at around £145,000 and the mortgage currently has around £47000 outstanding. (about 98,000 equity then.) For reasons i wont go into i could buy her half for…
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Home Equity
Hi Information about home equity and home equity scams visit: Home Equity Thank You
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Portman
Hi Currently with the Portman BS and on a good deal with them 4.79% fixed until May 06. I am now wanting to remortgage and I see that they offer a 5 year fixed rate at 4.59% and I want onto that. Sticking with them would be less hassle than all the form filling to remortgage with another lender. Anybody here have…
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When remortgaging.....
Hi Hope this isn't a daft question... when is the best time to pay off a lump sum on a mortgage? If I pay a lump sum to a new lender when I remortgage will this payment come straight off the cash balance, for example, if I paid off £10,000 from a £70,000 mortgage would this reduce to £60,000 or would alot of it be…
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canceled post
sorry not sure how to cancel a post
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Mortgage Query
Hi all, hope someone can help. Looking to move house and increase mortgage size which is going to be outside the main lenders parameters, most been offered £95,000 and thats with current lender. Will probably need to go through a broker but there are a few horror stories out there about fees they charge. Does anyone know…
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Surrender Endowment - advice please?
I have a couple of Eagle Star Endowment Policies which I am considering surrendering. I dont need the life insurance aspect of the policies. Am I better off continuing to pay the premiums or surrender, invest the proceeds and the premiums in a different (but safe) form of investment with relatively quick access (just in…
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Standard Life has cut bonus rates - again
It's not official as there's been no bonus declaration yet (not even a 'no-bonus' declaration) but it looks as though they have cut terminal bonus rates again for 1st February. This affects both maturing and non-maturing policies. My policy with them has 18.5 years on the clock. Last month the terminal bonus rates on 18…
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WFTC & CTC with a mortgage?
Please could someone advise me of which mortgage providers take 100% of working families tax credit & child tax credit as part of your annual salary. I know for deffinate that Halifax & Alliance & Leicester do, but are there any more? Many thanks in advance.
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Mortgage Brokers Vs Banks/Building Societies
Hi all, just wanted to ask what the difference is between going to a mortgage broker and a bank/building society. Regarding the latter, one would compare all the rates available on his/her desired mortgage e.g a 10 yr fixed rate (using the internet) and then call the appropiate bank/building Society to discuss application…
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remorgages and deeds discharge fee hike
Hi can anyone give me advice. This is my first time using this site so please forgive me if i am duplicating any thing thats gone before. I am currently in the process of remorgaging and have just rec my redemption lett from the Abbey who now want me to pay £225 for a deeds discharge fee. When the morg was taken out 2yrs…
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Offer of Compensation nearly £7000 then zilch!!!
Hi all I took out an endowment mortgage in 1988 for 17,500 did a capital repayment of £11,100 in 1993 fully paid off mortgage (approx) £7000 in 2003 but kept paying the endowment. I complained to the BBs using the letter on the Endowment Helpline and quite quickly received a letter saying yes I was missold, yes I will be…
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refurb mortgage
I am looking at a refurb project. the purchase price is £1.2m, build works £120k and other costs (non finance) £80k. The resale is £1.8m to £1.9m. currently its still in the 1960s and needs a lot of work. I have been exploring the bridging and dev finance route as ways to finance this. Do you think a BTL mortgage would be…
