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Paying off mortgage??
Hi I have a relatively modest (55k) mortgage, interest only (with a set of blooming endowments t hat wont clear it in 12yrs times as they should have done- another story:mad: so we have been saving to pay off the capital and leave the endowments standing as a "bonus" at arounds the time the kids will need uni money etc).…
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Remortgage help/Tighten up outgoings etc
I need to save some money and tighten up my finances overall, so I could do with some sound advice please. I have 3 mortgages with the nationwide atm basically they total up to around £143000 and I have 18 years left on 2 of them and 11 years left on another and I am paying around £1300 a month wich I need to reduce (these…
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remortgage advice
Hi Guys, I`m new to remortgaging and would like a bit of advice on the best way forward. I owe £19,500 and would like to borrow another £10,000 over 15years. Total remortgage needed £29,500 I got a couple of qutoes and the monthly repayments were approx £245 - £255 per month over 2yrs, fixed rate. Any ideas or suggestion…
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Waiting for offer
Right bought a flat from auctions last wednesday and ive got until the 28th Feb to get finance sorted. Applied for mortgage like 2 weeeks ago through london and county and theyr taking ages. The property hasnt even been surveyed yet. I panicked a little and applied via Halifax myself. Is it legal to apply for two…
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14.5K Mortgage?
Im on 14.5K.. jus wondered how much of a mortgage you guys think i will get and what sort of repayments. Theres no point in looking online as you get better deals by speaking in person. eg my bro got 60K mortgage when he was on 14K yet people say you only get 3 times your income.
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Question - How do I calculate how much my Higher Lending Charge is?
Hi there, I'm not impressed with the information I'm getting from my mortgage advisor so I wanted a second opinion - so I've come to the experts! My mortgage for my new home will include a Higher Lending Fee ( or MIG ). Property valued at £138000, I want a mortgage of £130000. The Halifax have told me that the Higher…
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Shared mortgage calculator
Is there such a thing? I'm talking about where 2 people buy together but in unequal proportions, eg 1) One person puts in a larger deposit but the other pays more per month off the mortgage, and they own the property 50/50 2) As above but with a different split, say 60/40 How do you work out what the monthly mortgage…
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>100% mortgages (115%)?
Hi, We are seriously considering an IVA to get us out of some problems. However, I have heard that they take every single penny that you have left after paying bills, so you just have enough to buy food, neccessities, etc, but nothing for any kind of luxury at all. And I've also read something about them looking at valuing…
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Guidelines on preparing to apply for a mortgage...
Hello, I'm finding moving house and mortgages a bit of a minefield - very confusing! I'd be very grateful for any suggestions about any of the following points, which I'm struggling to get my head round. Our specifics are that we will probably need to raise a mortgage of around £170-180k, and we bring in £50k p/a between…
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property valautions
Hi Just going through a mortgage application and I wanted to see what we can expect for our house. Can anyone point me in the direction of any free online valuations? I have found property price advice but wanted to see what others value us at?
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Agreement in principle
How long do these usually last, or does it depend on the lender?
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BTL Fixed question
Hi All, This is my first post on here so hi everyone. Would like a little bit of advice for people in the know. Current Buy-to-let mortgage deal ends 1st April so are looking to strike a deal. At the moment got the following deal and want to no if there is a better deal on the market at the moment and who its with. 5 year…
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Help Needed Urgently!!!
For anyone with advice about this situation I would be grateful. My mortgage is due for renewal with Yorkshire Building Society and I am restricted to taking out only the list entitled "current mortgage borrowers" all of which have no fees attached but higher interest rates!! I have the choice of 4 of an available 10 fixed…
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Definition of Red Alert Letter
Hi, Is there a definition anywhere of what constitutes a red-alert letter from an endowment company for the purposes of a mis-selling claim? The company I am trying to claim against have time barred my claim and say I got a red-alert letter more then three years ago. I was wondering what wording that letter had to contain…
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Mortgages fees reclaimed - Martin help!!
Hopefully someone may know. I have paid some whopping fees on two mortgaes Halifax and aBBEY when I left them to remortgage. I was originally with my partner who I have since split up with. I have gone on to make a claim to the building societies and have had to give names of the joint policy holders which meant that only…
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Abbey Redemption admin fee
Does anyone know what the fees for this were in 2001 (dec) and 2004 (aug) ....thanks.
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Trying to find a mortgage advisor in Gloucester
:hello:I'd really like to find one that has been used and can be recommended IYSWIM, otherwise i'll try London & Country via the telephone
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Nationwide Mortgage Referral - Please Advise
Hello, Firstly I'd like to say hello to everyone. I'm a long-time lurker but have only just signed up as I need some advice and can't find it anywhere. We're getting a Mortgage through a broker with the Nationwide, for £210K. However, upon chasing the broker (he works for Countrywide) we find we have been referred to the…
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Homeplan Standard Life Endowment
Any comment or information appreciated as we are finding this difficult to make a decision on and we are really not financial experts. This is the first time I have posted on anything so hope it works. We have SL Homeplan Endowment which was meant to pay of a mortgage of £31000 in July 2009. We changed £5000 of this to…
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Mortgage Offer Has Been Messed Up - Nearing Completion!!!
We've been buying a house and had an Mortgage offer via a broker on 2/1/2007 of £97,465 (95% LTV) with 5.15% fixed interest for 5 years. I sent off all our personal details and money for the Valuation way back then (3/1/2007) ...all going well so far... Today, after the valuation has now been done and paid for...and the…
