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Scotish widows mortgage for professionals.
I am a health professional in full time employment. I earn around 38K per year with a bonus of 1-2k. I am a recently qualified graduate. I have student debts of nearly £8000 to pay off ( at this moment I should thank other forum users for giving me suggestion on saving money in another thread ). Anyway, I am interested in…
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Did anyone take out an IF Mortgage in 2002?
If so, what were the MEAF fees? I can't seem to find any paperwork, but they charged me £150 last year when I remortgaged.
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What are barclays/woolwich playing at?
Have an life time tracker offset mortgage with the woolwich/barclays. Mortgage with the woolwich but the barcalys current/isa/savings is offset. Anyway 2 issues, 1) At the end of the month they decided to not offset all the deposits on the final day of the month, - they are looking into it!! 2) more importantly, interest…
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Mortgage Decision
Have recently applied through HSBC for mortgage (£197,500) - am awaiting decision. Joint income is approx £44,000 - they said they would lend us up to £204,000. It has been agreed in principle but am just waiting for decision now. Had a phone call from them today wanting to know a bit more about credit card balances, etc.…
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Remortgage advice
I wondered if it was possible to remortgage from a joint mortgage to a single mortgage to exclude one partner with a poor credit history. I suppose in principle this would allow a lower rate to be secured, whereas a joint remortgage with one partner with a poor credit record might bump up the rate. Is this technically a…
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Mortgage Shortfall
Through reading Martins rantings on this subject I decided to take on Legal & General not an easy task. I had 3 endowment policies and had been advised by one of their representatives to cash one in about 15 years ago when I moved house. I know now that was not the best option for me but heh I was young and stupid what did…
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Can we get a mortgage? Funny situation.
Me and my partner are in a funny situation and are wondering if we would be able to get a mortgage or not? We are both in our mid-twenties, and I am disabled (profoundly deaf) and in receipt of benefits. I am hoping to start part-time work soon, and I am doing a short business start-up course. My partner works part-time as…
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overpayment mortgage
Hi have been thinking about moving but have decided to look at reducing mortgate term current term is 14 years. can overpay roughly 500 per month, currently pay 620 per month repayment on fixed rate which is due to expire jul 08 - early redemption payment £1000. I think i can overpay 500 per month, there may be some months…
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The loophole to every file, online, for free
Hi I've followed the advice of MSE and signed up for the free 30 day trial so that I can view my 'credit score' file with Experian. I have since notice though, that every time I call up my file (twice so far) an entry is made in the report. My question is, do multiple searches by myself on my own credit score have a…
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Mortgage offer
Hi, I've recently approached an IFA regarding a remortgage on my property, but I want to know if it is a good deal. I really have not got a clue when it comes to these things. Can anyone please help?
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Equity Release
Does anyone have any good advice regarding Equity release. My mum's mortgage is paid off and the house could do with some money spending on it. Is equity release a good option ? If so any suggestions as to where to look ? :confused:
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Chances of Getting A Mortgage FTB Advise Please
Hi All, What do you think my chances are earn £34k have a deposit of £70k and looking to purchase a property up to £180k. Currently have no credit card debt but have a car loan of £8000 and personal loan of £7500 which both have 30 months left to run. I have never defaulted on any payments have no CCJ's and have approx…
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Virgin one account - good or bad?
Hi, I've heard a few people recommend the virgin one account, including a few family members but thought I would see what everyones opinion on here is? A bit of background, we've got a £75,000 repayment mortgage which we've had for 5 years. We have between us approximately £30,000 in savings in isa's etc. Plus about £5,000…
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First time buyer to let
Hi all. Right this is just a few things going around in my head, as im young and looking at the buy to let area, as I have just had a friend doing something similar and its working quite well for him. So I was wondering if anyone could give me some advice on the buy to let markets. Obviously I need to find a house first…
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Interest only without endowment policy(temporarily)
We have a part repayment,part endowment mortgage. Is it ok to pay the interest-only part of our mortgage without any endowment policies for about 8 months or so before we convert to a full re-payment one?That way we get to cash the policies in(which are not performing well),put the lump sum towards the mortgage,save the…
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10yr fix rate
What is the best 10 year fixed rate pls - want to borrow 40000 - house worth 180000.
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Part Buy Part Rent for 1st Time Buyers
My partner and I are looking into buying our first home together as we would prefer not to rent. From what we have researched, we can borrow up to £130,000 and looking at the average cost of repayment, would be paying about £800+ a month if we got a mortgage. Someone mentioned https://www.moat.co.uk where you buy a…
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Yorkshire Building Society need a new Printer
Still no sign of my annual statement, phoned 5 or 6 times now. Keep saying there is problems printing them. What a joke.
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Visit to Mortgage Advisors in the City this week/where?
FTB's working in Aldgate, E1 looking for some mortgage advice this week..Any recommendations for MA's in the City/Liverpool st? Whole of market/Fee free.... Cheers!
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HELP! Mortgage Advice needed! Mad Friend!
Ok VERY short version - my friend (we will call him Kev) and his GF Ruth are potentially (IMO) making a big mistake. I've never bought a house (will be at the end of this year) so I'm not as knowledgeable as you lovely people. Please could you take a look and advise? Basically Kev has been 'self employed' (or rather, self…
