-
In Trouble!
Hey all, i'm in trouble, i think and trying to get out seems harder than it should be!! I have a £73k mortgage (2005) and recently have lost control of the demon credit cards. Since last year i have increased my salary and the equity in the property has soared too. I want to increase my mortgage, get straight and cut up…
-
Save & Prosper
I sent 2 letters re misselling, one to halifax and got a reply right away though that was to say they have passed it on to standard life, and the other was to Save & Prosper no reply from them yet. Been about 3 weeks just wondering how long to wait and what to do if no reply comes at all. tia
-
The pros and cons of off-set Mortagages
My fixed rate mortgage of 4.99% with Northern Rock is about to come to an end and I am considering getting an Offset motgage with First Direct at 5.29% fixed for 3 years. First Direct has been my bank for the past 12 years and they have been great so I wouldn't consider moving my current account. I have about £2k in…
-
I need some help and advice please
Hi All My Dad needs some advice and I said I'd post his message on this forum because you're all so helpful (am also posting it on the Mortgages forum as I wasn't sure which one to use). Basically he can't get a current account, credit card or a loan due to various reasons. Please help: I could do with some help, I have…
-
Commercial Mortgage Lending Advise
I was hoping someone may be able to help me. I am considering buying a business with a home attached. I have the profit/loss accounts and now I need some information on who I go to next to see if buying the business is going to be a viable option, as I will be giving up my job and my current home. As you can see its a very…
-
FTB with an interesting choice...
Hi all, I have just had an offer accepted for £174K on a house and I need some advice on what to do next. My Scenario is as follows: I'm in the fortunate position where my Dad is giving my £94K as a deposit on the house which leaves me to get an £80k mortgage. My Dad has suggested that he will in effect pay for the new…
-
arranging a mortgage via a 'broker'.
i need some information about getting a mortgage via a 'broker'. a friend of mine and his partner earn approximately 40k between them. obviously, given their measly income, they cannot possibly arrange a mortgage via a bank/building society, so they were thinking of going through a broker. what are the pitfalls involved…
-
can u help
can anyone help. I am looking for the web address or phone number for, CF Partnership Mortgage Brokers of 93 Hartfield road, Forest Row East Sussex. would be grateful for any contct no
-
Pros and cons
I am thinking of purchasing a new build to live in which wont be ready for occupation until next year May. however, i spoke to a mortgage broker who suggested i get a mortgage in place now which i could opt out of before completion if a better deal was found. i would like to know the pros and cons of this?
-
My Mortgage
I have an Alliance n Leicester Mortgage, still waiting to make my first payment Its 5years fixed term 4.84 %. You can make an overpayment in January of up to 10% of the amount borrowed. which was £52K Im in two minds to whether to use £3000 to buy a Car or save it and put it into the Mortgage in January. Does anyone know…
-
Remortgage help
I have had a morgtgage for 3 years with a sub prime lender. This came about because I had a period of unemployment and I had to come to an arrangement with my credit card companies which is still in place. I now want to remortgage to pay off these debts (15k). This would take my required mortgage to 60K with the house…
-
Any chance I can keep hold of my old house?
Hi, My partner and I bought a house in Q4 2003 for £128,750, taking out a repayment mortgage with Nationwide for £108,750 (this is about £103K now). According to sales of similar properties in the area, the house is worth around £140K now making our LTV approx 73%. My salary is £25K and my partner's is £16K. It's really…
-
Interest only mortgage but only for three years
Hiya all Hopefullly some kind person out there will be able to advise me on behalf of my brother (again). He is thinking of taking out a interest only mortgage (FTB on right to buy basis) for a fixed period maybe two/three years whilst he does up the house etc. Then his wife plans to start work in two years when the kids…
-
changing mortagage type
i saw a little part of the BBC program tonight and one of the couples was adviced to change there repayment mortgage to an interest only for a short period. how easy is this to actualy do,i didnt think the banks would be so helpfull.
-
Thankyou
delete delete delete
-
Urgent Help Needed For First Time Buyer!!!???
Hello all, I have applied for a Mortgage, as a first time buyer, for the first time with Nationwide however this has been rejected due to my poor credit history. I am 24, full/permanent employment as a police officer (Gross £24,500) 3 years in the job. I have always had/been in employment with good pay. My partner, again…
-
Nationwide mortgage rates rising
FYI, their two year fix is going up from 4.39% to 4.55%. And on top of that I believe their fee is rising from 599 to £699! Cheeky monkeys. Their others rates are also rising by the same/similar amounts. Variables continue to be the cheaper option (in the shorter term).
-
Mortgage Documents required generally
Please can anyone let me know what are the general sort of documents required to arrange an mortgage application.
-
Changing a 100% Mortgage to Buy to Let due to relocation
Hi Have a few questions to see if anyone can help me. Bought a home in July 2004 with my cousin who has since moved to Hong Kong for work (in Sept 05). We got a 102% mortgage (2% to pay fees etc) on an interest only basis using my dad as guarantor for part of the mortgage. At the time I was a contractor earning 5K less…
-
FOS rewards the mis-selling wrong-doers etc.
This is to continue the thread that got hi-jacked (sorry Limpecunious). As we know - the FOS only puts the people in situation they would be had they not been mis-sold endowment - the FOS let the crooks keep all the profits from the crime - money they used to pay their wages, commision etc. The FOS are part of the cover-up…
