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HSBC 10 year fixed rate mortgage
Hello, I have noticed that HSBC are currently offering a 10-year fixed-rate mortgage at 5.49% online. I was wondering whether anyone had a view on whether this was a good product or not, and whether it's wise to fix your mortgage for such a long time. If anyone has any thoughts I'd like to hear them, Thanks.
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Conveyancing and Adding Name to Deeds
I've been quoted £700 as the cost of both of the above in connection with taking out a mortgage of £30,000 on a property worth about £170,000. This seems like a lot of money for a bit of pen-pushing? Can it be done any cheaper? Thanks for anyone's thoughts on this.
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The one account
I'm about to remortgage, and I am considering the one account. The interest rate is quite high (6.45%). I still want to keep my current credit card to have the 60 days free purchase, and also still want to put money in my ISA. How can I do to know if this mortgage is worthwile?
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Holding more than one mortgage offer at a time?
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To buy or not to buy
Hi There, My partner and I are thinking of buying a house, nothing new there. However it's likely that in 2-3 years we may be moving to Australia. So we are unsure if it's worth buying here or just continuing to rent.:confused: We currently pay £600 a month in rent plus a £100 fee to renew the lease every six months. We…
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Remortgage Help - Nationwide vs Woolwich
Hello! Can anyone help? I have 2 decent offers on the table for a lifetime tracker. 1. Woolwich's Barclays Rate (traditionally same as B of E) + 0.23 and no fees 2. Nationwide's B of E + 0.34 Lifetime tracker and no fees Both seem good products to me, obviously the concern is that Barclays rate could easily differ from…
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mortgage self employed
I am looking for a mortgage for self employed. I had a year off work last year so no books for that time is there anyone out there that will give me a mortage?
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Can anyone comment on this deal please
I recently was give the following deal, although have not taken it yet, from a whole of market broker. I was told, as i need more than the usual 3-4 times my salary (£20,000 a year) that Northern rock would be my best bet and given no alternatives. The deal is for £89,000 fixed for 3 years at 5.69% with a £1,340 setup fee…
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Advance Mortgage Fee - Advice needed..
Hi, We have an appointment with a mortgage broker for mortgage application tomorrow, and apparently they want us to pay the fee as well tomorrow. When asked what if the application does not go through, the broker said the fee will be refunded. Is this the correct way to this? I thought the fee is payable only if the…
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Whole of market broker not the best deal?
Hi, Another query sorry. We approached a whole of market broker for our remortgage and he has come back with a cheapest fixed rate of 5.69%. After a quick search on the web the cheapest I can get is 5.29%. So my question is that if he's a whole of market broker how come I can find cheaper deals myself :confused: This post…
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Is this a good deal ?
our fixed rate with abbey national comes to an end in April. Best new deal they can offer me is a flexible tracker mortgage. +0.49 percent on top of base rate for the life of the mortgage. includes savings aspect so you can overpay etc. the fee is £599 which i thought was quite high. we have only £13,000 on repayment &…
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Converting to Buy to Let
Hi All. Still in the process of sorting out my parents finances and am wondering if I am able to have the house signed over to me (with parents full consent) taking on thier outstanding mortgage debt and converting this to a Buy to Let mortgage?? Is this legal/common practice? What would be the implications? All help…
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unpaid payment Fees
May I ask whether it is proper for the Banks to charge up to £25 or £30 for missing a payment on your mortgage i.e unpaid payment fees . If not can one claim ones money back. Thanks.
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Interest only - to change or not to change?
Hello all. I have had a fairly disastrous financial history when it comes to buying property and would appreciate your views on what to do now. Back in the late eighties I bought a flat with my now wife for £54950, this was using an interest only mortgage with an endowment policy via an IFA. We lost £15000 in the big crash…
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Re-Mortgaging with existing debt
Current situation: - 42K mortgage @ £245 p/m - 26K loans & CC @ £718 p/m (9K on CC & 17K on personal & car loan) - Therefore Total: 68K @ £963 p/m - Monthly Income = £1400 - So monthly disposable income = 1400-963 = £437 I Live on my own with an 8 yr old son, therefore can’t live off £437 a month. However my house is now…
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Morgage interest calculations
I am in the last 18 months of my 25 year mortgage which is held with A&L is there an organisation who will check the interest calculations are correct and that I have not been fiddled. By the way they now will not deal with existing mortgage customers in branch (now only over phone.. when you get through). Many thanks
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Car Contract Leasing - Impact on mortgage
Hello. I am wondering if leasing a car using a private contract leasing company would make an impact on my credit file? I know loans with banks would be noted on my file, but not so sure about private contract hire companies?
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Help needed please
:mad: Hi. I applied for a mortgage through a mortgage advisor, it was done with C&G building society nearly 5 weeks ago now. They did a valuation and said that we needed a structural survey done because the valuer thought it was moving, so we did. We took a structural engineer out there and guess what- no movement this…
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help and advice
am about to view housing association share to buy property,any advice on relevant questions to ask,i am a complete novice.
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REmortgage- Cheshire B Soc - Help
I need help deciding the best offer from the Cheshire. (they are my existing lender who my independent advisor told me are v competitive so would prob be best to stick with them, partic seeing as i've been slack and mortgage has now gone out of discount period onto nasty variable at 7.29%, so they should be able to get a…
