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Help with Interest only Buy to let's
confused: We are about to let our home but we would like an investment policy that would cover the mortgage. We dont want an endowment as we have had problems with these in the past. We do have a regular amount to invest every month. Can any body help nhoj67:j
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Morgage or Re-Morgage
I'm due to be divorced soon and would like to remain in the current marital home. It has been valued at £150k and the current morgage is due to be paid off in Aug 09. I estimate that we currently have £22k left to pay and in order to pay-off my ex and consolidate £15k of credit card debts I'll need to borrow £130k. My…
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Documentation advice
Hi I am currently applying for a mortgage but cannot find 2 of the last 3 months wage slips for my OH and I (we work at the same place so unfortunatly they are together). Is there a way to get round this or can I get other copies? We have only just realised and as we are pushing for a quick sale are panicking. Our current…
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What lenders will ignore an existing mortgage?
Currently have 18 months left on a fixed rate @ 4.75% (early redemption penalty of 5%) outstanding balance of 100k. Property value of 170k. Want to take a further 40k out on it to use as deposit and fee's to purchase a property of family for reduced price. I assumed I'd need to remortgage as BTL in order to get a new…
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First Time Buyers at Auction
Hello fellow moneysavers, My partner and I are after some advice, we have seen a property which is going to auction on the 30thNovember. The guide price is £100,000 Plus. We have been saving for a deposit but weren't planning on looking until next year. We have £6250 saved so far. But when reading the details of buying at…
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Brokers
Hi all. I need a remortgage a bit sharpish ! Can anyone please recommend a good Broker? i live in the North Somerset area.
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Buy-to-let minimum income?
I have a property currently let out on a non buy-to-let mortgage (used to live in the property and my existing lender allowed it to be rented on the same mortgage). The interest rate has recently gone up to 6.24% as my discount period has ended. Can I get a better rate by remortgaging on a buy-to-let basis, and will anyone…
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Two endowment policies - what do do?
Hi I'm in the position that I've got 2 endowments that are no longer needed for my mortgage, as that is all on repayment. Having read as much as I can find on here, I'm not sure what to do with them. The details are: L&G 20 yr policy - Unit Linked Start date: Feb 1996 Maturity date: Feb 2016 Target amount: £28K Current…
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When to start looking for a Remortgage
Hi, I have my current fixed rate finishing on the 2/5/07 and was wondering at what point I can start shopping around, ie is there a time limit on offers. Thank you.
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What happens to mortgage payments
Hi, I have tried to search on this, but cannot find an answer. I have presently sold my house (STC) and am looking at a new build, which will not be complete until April 07, my mortgage lender (Woolwich), have stated that they will hold my mortgage for six months (presently 5 Yr fixed 4.7%), to allow me to keep my rate. My…
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will anyone give me a mortgage?
hi all, Im hoping someone out there can give me some help and advice about whether or not i can get a mortgage. Il try to explain my situation as best as i can so here goes: Due to my son having disabilities i have been unable to work for some time, I am hoping to return to full time work in a few years (depending on my…
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Northern Rock Together
Evening All, Just wondered if anyone had any input on my query. I am going to see a broker (whole of market and fees free!) on Tuesday but after an initial chat with them they have said that the NT Together mortgage might be a possibility. I have been DWD for some time, and they suggested using the unsecured element of…
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Woolwich OpenPlan & One Account
Hi All I've been toying with the idea of the One Account for a while now, but have just started looking at the Woolwich OpenPlan Current Account Mortgage as it seems to offer similar facilities at a cheaper rate (5.14%). Are these accounts similar? - they do tie in your current account as well as savings in the offset…
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Mortgage query
HI guys My mum isnt too well, and am looking at moving her in with us, and my brother is offering to help us out with a bigger mortgage so we can move to a 4 bed place. He will basically pay 1/3 of the mortgage and we will pay 2/3rd. The problem is that he lives abroad, but works for a uk based company( earns 120K per yr…
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I want to sell, ex-partner doesn't...help!
I have a mortgage with what will be my ex-partner. I want to sell but they don't, or won't give me an answer to buy me out or sell. What can I do??
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Mortgage poser/challenge!
Any suggested solutions to this 'insoluble' problem...? I have a tenant who lives frugally and is easily able to keep up with her rent of £500/month, despite being on a moderate income. She has a flawless payment record dating over 4 years. She would like to get on the housing ladder in an area where there is nothing…
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Solicitors Fees
Hi I am wondering if anyone can offer any advise my partner and i have had our mortgage application agreed and now we have to fill out all the paper work and have now got to start procedings with the solicitor (we are transfering equity). the problem is we dont have any savings to pay for the legal work. I have been to my…
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Quick Mortgage Q
My girlfriend and I earn 38800 between us. We've seen a house that is £140k (or, rather, we know the people would take that). We have between £6000-£10000 for a deposit, so would need to borrow between £130k-£134k in all. Is this possible? Ta!
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really need help .......
I am having a bit of a dilema. I have seen a flat that i would like to buy but it is brand new and isnt going to be ready until june next year. The problem is that i already have a mortgage on a property which is at present up fpr sale but as of yet no offers. My plan was that once my flat sold i would move into my mums…
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Remorgaging
Hi I currently have my morgage with C & G. My Mortgage amount is 27,000, I am looking to remortgage so i can get a extra 20,000 making my total mortgage of 47,000. I will require it over 25 years and don't mind a 2 year deal but after that i would like to ba able to move it again if i like. Property value for my home is…
