-
which mortgage
Hi My current mortgage us coming up for renewal i have been tied to a cash back Cumberland mortgage for 5 years!! Is it worth me trying the Cumberland for one of there new deals or starting elsewhere? With the money i wish to borrow my loan to value stands at 60% should i have to pay fees with this I have no bad credit…
-
Difficult to get a mortgage if not British?
I wondered if anyone here knows if it is difficult to get a mortgage on a property in England if you are not a British Citizen. My ex-partner is Greek but has lived in England for the last 5 years, he is working and pays tax and NI here. He has a UK bank account with LloydsTSB. He is thinking about buying a property here…
-
mortgage advice what would you do?
help we had a mortgage consultant see us yesterday & we are now more worried than ever. we have the virgin one account house worth 195,000 mortgage £67,000 for now as we have £20,000 on 0% credit card for 12 months. also have car loan £3500 left to pay over 2 years. he told us to add all together ie £91,000 on to a normal…
-
Any advice please?
Hi all, This is the story - hope someone can help us. :confused: My husband and I have a mortgage on our house, which is fine and has no arrears etc or anything like that. We also have debts, mounting to around £50k I guess between us, all of which are paid for on time etc. No problems. Recently we had a real stroke of bad…
-
mortgage advice needed please
help we had a mortgage consultant see us yesterday & we are now more worried than ever. we have the virgin one account house worth 195,000 mortgage £67,000 for now as we have £20,000 on 0% credit card for 12 months. also have car loan £3500 left to pay over 2 years. he told us to add all together ie £91,000 on to a normal…
-
fixing over 10 years?
could anyone please advise me what the risks of fixing over a long period, say 10 years are, besides the obvious of rates falling. also does anyone know what the general feeling is about interest rates, to rise or fall next? whens the next election? many many thanks for your time fresher
-
Moving out of my mortgaged property
Good afternoon everybody :j Just looking for a bit of advice. In 2000 i bought my parents house and made an agreement with them that they can stay there until they retire in 2007 (i pay mortgage, they pay bills). Last September i moved out and moved in with my boyfriend but i continue to pay the mortgage. I have informed…
-
Switching mortgages and solicitors
Really dumb question i know :o But i keep worrying and thought it best to ask. We are about to switch from an endowment to a repayment mortgage, very possibly with the same mortgage lender and i wondered? Do we have to instruct our solicitor during these proceedings? :confused: I have no idea whether you do or dont and was…
-
Broker cost inqury - For FTB
Hi Please anyone advise me whether it is reasonable or not. I was offered the cost from one of broker as following:- Solicitor Fee : ￡590 + VAT Brokerage Fee : 0.8% of loan(Only payable on mortgage offer) Valuation Fee: About ￡350.00 Local Search : About ￡200.00 Land Registration Fee : About ￡250.00 Stamp Duty : 1% Upto…
-
London & County
Hi there, I've been hearing/reading a lot of good stuff about London & County mortgages. Does anyone know if they can be used to re-mortgage in Northern Ireland? Has anyone any experience with re-mortgaging with them - is it is easy and straightforward as they say it is? Are they competitive? Who are the best to get a good…
-
Discounted intro rate
can anyone recommend a company, which i could get a decent, discounted intro rate with.
-
Extra borrowing on our Mortgage
Hi all Looking for some advice on possibly remortgaging to release some funds for home improvements. We are currently in a fixed-term deal with the Coventry BS which does not end until July next year. We would like to approach them now to see if there is any extra borrowing power available to us.Probably a silly…
-
OneAccount
So ... I've seen the adverts and thought I know I'll pop our numbers in their lovely web page and see what comes out. Now I'm very good at heeding the advice "If it looks too good to be true it probably is" So... The OneAccount page says that we can repay a £52k mortgage on a £180k house in 4.5 years rather than the 17…
-
A Shared Mortgage?? 2 individual or one joint??
Hi all, My flat mate and i are sick of renting, A programme on t.v a few weeks back stated that the best way to get on the property ladder is to share a property. Does this mean that we would have to set up a joint account and share a mortgage or can we both have a separate mortgage and pay off our own share?? Any thought…
-
Mortgage Broker
Just wondered if anyone can give me a bit of advice. About a 9 months ago, I bought a property to develop. I went to a broker as my salary is very complicated and wasn't sure how much I'd be able to borrow. My intention was to keep this property for 7-8 months, develop it and sell it on, hopefully for a profit. I spoke to…
-
Advice needed with regards to moving home & increasing mortgage.
We are in the process of buying a new property & will need to increase our mortgage by between 83k & 90k (depending on what we actually get in the new house etc). I am dealing with a whole of market IFA as recommended by the developer (we get £500 cashback if we use them). Anyway our existing fixed rate with the Nationwide…
-
guarentor mortgages
i'm about to buy my first house but will have to get a guarentor mortgage. so far the only place i've found that does them is cheltenham and gloucester. does anyone know of anywhere else?
-
Will I be classed as 1st time buyer?
Hello My OH and me have made the painful decision to split up. We're putting the house on the market and have agreed to split the proceeds 50/50. I've decided to stay with my parents for a few months (I think!) so will be mortgage-free until I buy a new property. As I'm off the property ladder for a few months, does anyone…
-
Mortgage Application & P60
Hi. I've had an offer accepted on an house and i'm going to Nationwide tomorrow afternoon to proceed with a mortgage appliaction. They said I need to take in my last 3 wage slips and P60. The only problem is I can't find my last P60 (I won't received the latest one for another 2 weeks). Does this matter? My boss says they…
-
Nationwide "Missed Payment"
Hello, In the process of attempting a remortgage I have uncovered a raft of problems with a number of different companies. I will break them into different threads as they aren't specifically related 1. Moving current account and missed mortgage payments In September/ October last year I took advantage of Alliance and…
