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Self employed/working for an agency!help!!
Hi, I have a bit of a problem and would realy appreciate some advice. We are currently looking for a new house and ours is on the market. Though im worried about the mortgage side of things. My partner is in full time employed work so no problems there but.. I have been self employed for less than a year and for the last…
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double payment on re-mortgage
Have read message about this but isn't the same so I thought I'd post my query. Briefly we re-mortgaged with C&G from IF & despite my querying the risk of making a double payment thru a DD & redemption payment (because of the two dates being close together) no-one picked up that it would happen & it did. This occurred…
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Mortgage arrears charge
I am in arrears with my Mortgage and have a suspended repossession order on the agreement that I pay an additional £200 per calendar month which I have done since the date of the agreement. I have noticed that the Mortgage company are charging me a monthly fee of £30 for being in arrears. This seems unreasonable to me and…
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Question for a mortgage advisor
Hello There, Today DH and I went to see a house we are thinking of buying. Its just being built just now, and wont be ready until September. We are currently with the Alliance & Leicester, and we have shopped around on internet, and it looks as though they will be the best for our new mortgage too. We are tied in with A&L…
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Question for a mortgage advisor
Hello There, Today DH and I went to see a house we are thinking of buying. Its just being built just now, and wont be ready until September. We are currently with the Alliance & Leicester, and we have shopped around on internet, and it looks as though they will be the best for our new mortgage too. We are tied in with A&L…
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Should I accept offer from L&G ( Northern Rock)
I wrote to L&G ( Northern Rock ) for refund of overcharge on redemption fees on my mortgage from 2005 . They have offered a refund of £115 taking the fee from £250 to £135 as full and final settlement. I still feel this is too high and I am thinking about challenging further on the basis of The actual time & cost to enact…
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PPS, CAIS & Deliquency Information Ignore
Hello I've just been reading through the requirements for First National mortgages - It says "PPS, CAIS & Deliquency Information ignored for all risk categories". I've done some googling - CAIS I presume is my existing loan/credit card payment history reported by my other lenders. Deliquency is presumably if I've missed a…
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Is it worth remortgaging?
Hi All Got a letter through from Yorkshire Bank to say that as of last Wednesday my APR would be increased to 7.39% which seems pretty high compared to the results on price comparison sites. Its a flexible mortgage with no overpayment limits so I've offset as much as I can onto low or 0% APR cards or overdrafts & have…
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Remortaging???
Have got three mortgages (additional borrowing for extensions etc) with the Nationwide. One is at 4.09% until Sept 08, but the other two are fixed at 5.09% until Sept 07. Obviously I'll be looking for a new mortgage(s) for the two that finish in September. I know that it's early in the year for doing this but how do I go…
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Income Multipliers
Does anyone know which lenders have high income mulipliers? Partner & I lloking to move in together. Currently earning c.£80k pa between us. Looking to borrow £500k instead of the measly £160k most offer. Affordibility ok cos current mortgages in sole names total this but two different lenders and neither one will take the…
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Mortgage shortfall debt
Can anyone offer any advice/experience, please... My parent's home was repossessed when they separated in 1993 and resold by the building society. They were in negative equity at the time and after the sale a shortfall debt remained. In 1996, the building society contacted my mother who had to complete and income and…
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removal of partner from deeds
can anybody help how can my daughter who has just separated from her partner remove his name legally binding from the deeds of the property
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if fsa refuses endowment missell
I'm getting nowhere with this endowment mortgage thing. I went through all this in 2003 and the fsa said there was not enough evidence. I can't find anywhere what it says to do about being refused apart from on 'which' site (recommended by martin) it says that taking it to court is not a good idea. Do you have any ideas on…
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Advice on what to do - ex-wife!
Hi I'll try and keep it brief but it's complicated. My husband split from his 1st wife 9 years ago, he is still on the mortgage of the marital home where she lives with their 2 children despite trying very hard to get released. He pays maintenance for the children but has never paid a penny towards the mortgage in the 9…
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Advice on what to do - ex-wife!
Hi I'll try and keep it brief but it's complicated. My husband split from his 1st wife 9 years ago, he is still on the mortgage of the marital home where she lives with their 2 children despite trying very hard to get released. He pays maintenance for the children but has never paid a penny towards the mortgage in the 9…
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Mortgage credit checks
I wonder if anyone can enlighten me please? I have recently submitted a mortgage application (to my current lender as we are staying with them, just moving house). I haven't received the mortgage offer yet, but on the phone they told me it looked ok as long as I intend to clear my 2 credit cards using the equity from the…
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Nationwide remortgage - how long's it going to take?
Hi there I'm just in the process of remortgaging from the Woolwich to Nationwide and I'm wondering if anyone on here could give an indication of how long I should expect this to take. Thanks
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Transfer of Equity Fee - Remortgage
Can anyone here give an indication of how much the typical legal fees are for a transfer of equity? I'm in the process of remortgaging - moving to Nationwide - and have been quoted £233 including VAT by Nationwide's appointed solicitor, I'm wondering whether this is a good price or not.
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London & Country are a waste of time !!!
I was looking at re-mortgaging. Those of you who know me have prob seen a few of my threads asking for advise about different lenders/deals etc. Anyway, took Martin's advise (from the re-mortgage guide) and contacted L&C. After leaving various 'call back' request via their website and ringing the freephone number on…
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joint mortgage
My daughter has a joint mortgage with her best friend (ex best friend I hasten to add).They set up the mortgage together and a joint account to pay the mortgage.Her ex emptied the account and has not paid the mortgage since.My daughter closed the account took in a lodger and has been paying the mortgage on her own for 1…
