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Help!!! Relating Which Mortgage
Hope someone can help, have found a house for £88,000, parents are willing to help with as bigger deposit as we need:T . Annual income of around £20K plus tax credits and child benefit, looking to pay around £400 per month on a mortgage, have a loan for £5k at £181 per month can anyone recommend a suitable mortgage,…
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Do you think I could buy a shed?!
Hi Wondering if anyone could give me there thoughts - and apologie as i know there are similar threads on hear. I am currently single and living with my parents - I'm deparate (almost forced) to leave and would much rather buy than rent. Ok, I earn 20,500 I'm heavily in debt but with term extensions should be able to get…
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Best Mortgage Available?
Hi and good evening to everybody.Just looked at a house today and would be very interested in putting in an offer.My current situation is as follows: Currently own and live in a 2 bed semi.Its not on the market but research shows that its worth approx 135k. Really like this 3 bed semi we have looked at today which is on…
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Mortgage and Self Employed
Im looking to get my first house soon and i have a few questions hopefully someone can give some good answers to :) i dont want to pay much more than £100,000 for the house. I have £5k saved up to put down now, is there much advantage in waiting till i have saved £10k? I could do this in 5 months i think. also im self…
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mortgage v age/income
Male 51 day job pays 20k (gross) per year. I now earn another 35/50K (net) per year from another source (totally legal). Building society won't take the 35/50 into consideration as it is not guarenteed although they can see from my account the money is there over the past 2 years. I'm a first time buyer ( long story), how…
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Self-employed..
Hi, I'm hoping someone here will be able to help..... I am self-employed, but own my own house. Recently things have been a little tight on th e cash-flow front but I have maintained the regular payments on my mortgage. I want to move my mortgage, currently held with Halifax, but can't find anyone who will take it on. The…
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first time buyers help me !!!!!
Hi im currently renting with my partner but we are deaperate to get on the property ladder but are worried because we have debts in the region of £10,000 ( cars/loans/credit cards ) i earn £18,000 my partner £12-13000 my wage increases £2000 in march and a further £2000 the march after we are looking to lend £100,000 -…
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Will debt stop us getting a mortgage?
We are considering taking the plunge into the housing market but I am worried our debt will stop us getting anywhere. I willl (hopefully) get promoted at work soon and my income will be 27000 pa My wife works p/t and earns 7500 p/a we need a 100% mortgage as have no savings Unfortunately our debt stands at £5600 on credit…
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Mortgage Monitor
Can anybody tell us if they have heard of The Mortgage Monitor, as we have been reading the national papers this week and apparently if you give them the details of your mortgage and bank account they will look into weather this is the best deal for yourself and if not they will advise you of which one is. This is…
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Mortgage problems - Help needed!
I have just had my second mortgage application refused for poor account conduct. In May I changed banks to Alliance & Liecester during the switching process they would not give me an overdraft so a couple of chques bounced and a got a lot of charges. I have checked my credit file and I don’t have any defaults or bad debt.…
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Deed Release Fees
Has anyone noticed that these fees seem to have increased quite substantially recently. When I last remortgaged (around 2 years ago) the fee was somewhere around £100 - on this site they say between £50 - £100. This time around I'm being quoted stupid money - £250 - £300. Is there a way around this - it doesn't seem…
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New Mortgage Deal Required
Hi all, i hope someone can help, i'm after some advice regarding re-newing my mortgage. At present i'm with Northern Rock and have no tie in's as my current discounted rate finished on the 1st May. My mortgage redemption value is £67,000 and i would like another discounted rate for 2-3 years that enables me to make…
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first time buyer! urgently seeks for help
hi ,i want to purchase a joint mortgage with my husband, coz we're on kinda of low wages at the moment(£23500).will we be able to borrow around £114000-120000 ? i think i can raise around £6000 deposit thank you
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Abbey flexible mortgage
Hi all, I have an underperforming FP Endowment with projected shortfall of between £16K-20K (details here: http://forums.moneysavingexpert.com/showthread.html?t=178404 ) I can sell the Endowment and get say £25K minimum for it and transfer the mortgage (£56,750) from an Abbey variable 1% above base to an Abbey flexible…
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challenge your existing lender
Hi, I remember seeing a reference to a letter you could send to your present lender challenging them to offer a better deal. I think it said it was to be found at the end of that article, but I can't remember what/where. Any ideas?
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Confused 1st Time Buyers
:confused: :confused: We would like to know if anyone can hlep in choosing the right broker we have tried several but we need a 100% mortage and what some lenders want to give is no more than £111K which is not much considering we a family of 4 (have 2 children aged 8yrs and 2yrs) getting a 2 bedroomed house in Luton for…
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Never Ending Mortages
There was an article in the Daily mail yesterday about "Never Ending Mortgages" Has anyone any comments about them? Are they a good idea?
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Halifax overpayment Refused
Can you believe this? Just tried to pay off a small amount on my Halifax Mortgage by phone, to be told that as we are not in arrears they cannot accept the payment over the phone! :rolleyes: I can either send in a cheque or go to my local branch! Any excuse to go to town i suppose................................ Squibbs
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Mortgage that can be repaid quickly.
We have been left a flat by my father which would almost pay for us to move into a bigger house. Have a private buyer for our house and will buy our new house privately as well. As it may take months for my fathers flat to sell, we will need a mortgage that we can repay without huge charges once we pay it off. Everyone…
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Reduce Mortgage- or Keep Savings. Vote
Hi all, I am considering a great (staff) remortgage and have 20k in life savings in cash ISAs. The interest on the savings currently matches the mortgage rate I have been offered (4.75%). Should I put my savings towards paying off the old mortgage ie 20k plus a new 90k mortgage, or should I keep the savings where they are…
