-
Mortages for Self Employed
Hi I'm new, never done this before so apologies if I scew up somehow! I'm self employed, currently renting and thinking about looking for a mortgage. I'm recently bereaved and not in a good position financially so all senses on high alert at the moment!! Any advice on best mortgage for self employed people..what questions…
-
remortgaging with same company - charged a fee?!
Hi all I negociated a new deal with my current lender now my initial 2 year fixed rate is up, but to change to this new deal (and no go to their terrible SVR) im being charged £274!! Now i was reading the following article about reclaiming remortgage fees :-…
-
Step by step on how to buy a house?
I have basically no idea on what needs to be done to buy a house.. I understand i need to goto a bank and get a mortgage confirmed/signed with the amount i can borrow then start looking for houses? What next? stamp duty? surveyors? etc? etc? I worked out i can afford approx 700-800£ a month, i do not have any savings for a…
-
guarantor mortgage
My son and his girlfriend want to buy house, they are first time buyers. They want us to sign as guarantors for their mortgage, As they dont have enough income on paper . Not sure if it will affect us. Anyone any experience of this type of mortgage???:confused:
-
Mortgage Advice
Hi, I still live at home with my parents so don't know much about them to be honest. I currently owe £8000 on credit cards/loan and pay around £400 a month off towards them. What makes me mad is that I could be using this £400 to buy a house with. Is it possible to get a mortage but get £8000 extra on top of what I need…
-
1st time buyer - Mortgage paying off a loan?
I'm a first time buyer, and have a slight problem. I'm paying off a 15k loan over 2 years (car loan along with settling the credit card), and it's obviously costing me a fair whack a month. Now with this running I can't afford a mortage as well. Is it possible to take a loan out that will let me write off this loan, and…
-
First Time Buyer mortgage
Hi - just after some advice. The husband and I are looking to buy our first property later in the year - probably autumn. He works full time as a teacher (on about 28k from September), I work 2 days a week and earn 24k (two children under 4). How much do you think we could (and should) borrow? We have a 25k deposit.…
-
FTB mortgage
Me and my wife have a combined salary of £34,000 per annum. I think we can get a mortgage for around £139,000 on our income - can we get a higher mortgage than this? Or will most lenders not risk this. Generally we don't have any debts apart from general household expenses. I am happy to provide further info if required.…
-
Endowment Question Part 2
As well as keeping the Endowment mortgage, we now have a normal capital and interest repayment mortgage. We now plan to sell the endowment mortgage to gain some capital back for home improvements. What is the best thing to do ? Is it .... 1. Sell it on ? 2. Cash it in ? What's the best thing to do ? Help and guidance will…
-
Endowment Question Part 1
Hi My Wife beleives she was missold an endowment mortgage. She got the endowment through a broker. She contacted Clerical Medical about the endowment who basically said nothing can be done because we went through a broker. They did mention something about a time limit and we've done nothing since. This was in Jan 2005 and…
-
how do you get two mortgages?
This is a bit complicated. One person owns a house worth approx £175,000 - on which he owes £125000 on a fixed for 10 years mortgage at 5%. It will cost around £7000 to get out of this. The mortgage could be moved to a second property without penalty if the first one was sold. This person wants to bring his brother into…
-
Am I a first time buyer???
We had a mortgage, sold up and moved to Spain.......big mistake. Now we are back and looking to buy again. Have been told we are not first time buyers, but 2nd time buyers.......is this right? Thanks
-
Selling On Endowments
I have heard you can sell on an endowment for, in some cases more than the surrender fee. Is this true? If so can anybody help as I do not know where to start.
-
Gotta mortgage, should I add the car loan?
My current mortgage is small (<£50) should I add a 4k loan to this for a car?? My mortgage rate is fixed at 5.29 until 2010 cheers
-
cost of transfer of equity
ive been quoted a couple of prices for the transfer of equity on a property im attatched too. my part of it (removing my name) ive been quoted a couple of hundred and for my ex partner ive had £2, 3800 and £670. does that seem right? in both quotes theyve included stamp duty, is that right just to remove a name?
-
Mis-sold Endowment Claim
We have started the wheels in motion to claim against our mis-sold endowment. The endowment is due to end on 2022 however we have changed to a repayment mortgage and, if we keep up the overpayments, will end 2017. Do we have a chance of claiming still or will they throw the case out as our mortgage is due to end well…
-
Help! Mortgage for investment property
Guys, I am after a mortgage to buy an investment property. The problem is I need to borrow £400k and I, or we as the mortgage would be joint with my wife, only have an income of about £40k. Now this may sound a bit mad, but the plans I have for the property mean I will be able to make the money back within two years. I…
-
Help Please!!!!!
Hi there im after some advice. Too cut a long story short i was living in Boston and my girlfriend was living in staffordshire we met in tenerife in june 2005 i made the move up to staffordshire. One of us had to make the move!!!! Anyway at the moment were looking for a house as were living with my girlfriends…
-
Can I release equity & any brokers in Lincoln??
Evening All, I am planning on remortgaging in September this year, due to my fixed rate period ending. I get married next March and I wondered if I could release equity in my home to fund part of it. This is my first home and I have owned it for around 2 years, everywhere I look for equity release it says for over 55's.…
-
mortgage pigs?
Hi, I am new to this site (ish) and I keep seeing "pigs" being discussed.? where dyou get one of these pigs just a piggy bank i guess? sorry for being dim L
