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100% mortage and bankruptcy
Hi I hope someone out there can help. My partner and I are first time buyers and are thinking about trying to find a 100% mortage. We are both in full time work and are currently sharing a rented flat in Northampton. The problem is that my partner went bankrupt and was discharged just over a year ago. So my question is…
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Charcol online kept up to date?
Just asking. On their front page they have a list of 'Our Best Buy Mortgages', but I can find no record of these on the websites of the actual banks. For example, there's a terrific CAM/flexible with Clydesdale: Purchase & Remortgage 10% Clydesdale Bank 4.9% fixed for 300 months - 5.2% APR No early repayment charges But I…
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Endowment predicament
As a totally new member and also new threads please bear with me. I used to have an endowment mortage until three years ago. Looking backI was pressurised into taking the endowment by the finaincial advisor, however until recently thought that I did not have grounds for complaint. I stuck with the endowment until it became…
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FTB need 100% but have ccj - Help please!
Hi, I've tried searching to see if anyone has posted something similar but didn't have much luck. I am a first time buyer looking to buy on my own, I have no deposit (and no way of getting one) so would need a 100% mortgage...however I have a ccj. I know some lenders will allow one ccj but I can't find any that will do…
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Mortgage advice desperately needed - thankyou
Firstly I apologise if I start waffling but I'll put this in the easiest way I can. I am in the middle of a difficult divorce/financial settlement. I had arranged a mortgage to take over our current one but because my ex husband and his solicitors took so long to reply to letters etc my 6 month mortgage offer from Woolwich…
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Second Home Mortgage - Advice Needed
Hi, Can anyone give me some general advice about having a second mortgage for a second home? Here are the facts: Partner and me are jointly named on the mortgage for our main residence. Value of property is about £180K and outstanding loans are about £45K. £25K is borrowed on a Virgin One mortgage, with the balance being…
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Do mainstream lenders offer self-cert mortgages
payless/herbiesjp...anyone, just as a matter of interest & learning...do mainstream lenders provide self-cert options (without accounts) and if so which ones?
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Buy to let for children
Hi, I'm new to this and wondered if anyone had any ideas about our plan to help out the kids. Basically we are considering selling our property and buying a smaller one with a similar mortgage, and using the remaining equity (£35,000) as a deposit on a house for our eldest son. The idea would be to get a buy to let…
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Commercial Property Mortgage Help Required
I'm lookiing for help I require a mortgage for a commercial property that I want to lease out. The problem I have is that I went to the bank to try and get this and it turns out most banks don't just do it. The RBS does it but want 30% up front then 8% on the rest of the period of the mortgage. Does anyone know where I can…
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FTB Advice Please
Hi, This is my first thread and all of the information posted has been a great help, thanks! My boyfriend and i are hoping to buy a house this year, we are aiming for September and by then, we are hoping that we would of paid most of our debts, i have worked out that i will only have my loan to pay off which by then will…
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Mortgage or Pension Dilemma
I'm not sure if this question should be here or the pension section. I realse that you will offer opinions rather than "advice".... The scenario... A 29yr old family member has just started a new job paying £15k, which is more money and with the option of a company pension scheme. If you join the scheme they will pay an…
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Re-mortgaging and self cert questions....
Hello, I dont know if anyone can offer any advice or help. Im fairly naive when it comes to the whole remortgaging scenario so any suggestions or pointers in the right direction would be MOST appreciated. Situation is this: Took out a joint mortgage to get our house in July '04 with Standard Life with a discounted variable…
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Urgent - About To Go Under If No One Helps!
Ok this newbie user was posting for some help over the last few days and no one has got back to him - probably because of all the other issues that have been happening of late - no names mentioned. And I hope they stay away from this post. Anyhow can someone help him with some specific advice - I have done my best but I'm…
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Additional borrowing..need advice please..
Hi all I am hoping to take out some additional borrowing shortly for home improvements from our current lender the Coventry BS. They have said that they are able to lend us the extra based on our incomes but I'd like to know before I commit myself if we would be causing problems for ourselves when we come to remortgage at…
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Any Good BTL Mortgages ?
Hi My fixed rate BTL is coming to an end. House bought two years ago £95K With improvements now worth £125K Need £77,500 mortgage Rental income £525 pcm Only income from property need self cert. Would prefer no redemtion penalty Any good deals around please ?
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releasing equity in home
I am a stay at home dad, my wife works part time, our income is not great, we have 5 children and another one on the way. We have credit card debt, personal loan and a mortgage, we really need to make our current home bigger or move to a bigger home. There is no way we would get a bigger mortgage, our only hope lives…
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Endownment Advice
Is it possible to claim for a mis-selling despite having cashed in the policy. We took out an endownment policy with our first mortgage in 1993, the broker didn't even mention a repayment mortgage to us. As time went on we changed to repayment and cashed in our endownment to help pay for home improvements. I don't have a…
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Am I going to get into trouble?
I own a flat in London worth approx £220,000 with £50,000 outstanding on the mortgage. I earn just over £30,000. I also have approx £12,000 in cash and cash isas My partner has been offered a new job and we are relocating. I am going to continue working for my current employer, full time at first then two days a week in…
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Being "bought out" of mortgage
Last year, I bought a house with my friend, she had a deposit, I didn't, and so we agreed on a percentage of ownership for when we sold the house. We went for interest-only 2yr fixed rate as it was a short-term plan for us both. She is now considering buying me out so that I can buy with my boyfriend. What I'd like advice…
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Britannia Mortgages
Can anyone tell me what mortgages for existing customers are like at the Britannia BS? I'd like to know for future reference, but there's nothing to tell you online. Cheers!
