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New Nationwide 'member only' - 5.34% fixed for 5 years
Rates are here: http://www.nationwide.co.uk/mediacentre/PressRelease_this.asp?ID=958 I doubt it will cut and paste very well.
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Who will give a mortgage?
I have a client who is looking to purchase a property for £250,000 She has a 15% deposit. The property is currently split into 5 letting bedrooms and a self contained flat. All rooms are let on assured shorthold tenancies. The property has 2 kitchens - which appears to be a problem for some lenders. The property is…
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Have you successfully reclaimed your mortgage exit fees?
A journalist from the Sunday Times is looking to interview someone who's managed to get their mortgage exit fees back. If you've had a victory and wouldn't mind being quoted, please PM me your telephone number and I'll pass it on. Thanks :)
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I think I did it to myself
I have a concern about a mortgage that I intend to apply for in the near future. My worry regards my past late payments on a credit card where I was being a bit lazy and posting the payment at the eleventh hour which was deemed late by the card company and thus attracted a late charge. At the time I realised it was just my…
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Abbey - futher advance possible
I need money to replace my roof NOW, its desparate, mortgage fixed rate not up for renewal until October, what are the chances of Abbey lending me £4k at their SVR for the remaining six months? Would they need to revalue etc, house worth £115k, mortgage currently £63k, affordability not an issue. Sam
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HSBC Lost Paper Work
:mad: I’m not sure if this is the right forum but me and DH applied for a mortgage with HSBC and the customer service has been a disgrace from day one. Anyway they eventually rejected our application ( 4 weeks after applying) and returned half of the wage slips etc but seem to have lost the employment contracts we sent to…
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Credit checks etc.
Hi - thanks in advance to all you mortgage advisors and those in the know that give free advice on these forums. OH and I are going for mortgage next month. I'm trying to sort out all potential problems before we do. The major one I can think of is my boyf is not on electoral roll. He has been at his rented place for 2…
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Get the timing right for moving Mortgage
Wonder if someone with more experience in the mortgage area can help me. I took out a 2yr deal with the Nationwide which will expire around June 2007 and I believe it then revert to a standard rate which is probably quite high. How do I go about changing product to tie in with this one ending so that I dont go onto the…
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Self Cert help Needed
Hello everyone. I am looking for some advice on the best way to get a mortgage due to my current status. At the moment I have a mortgage & secured loans totalling around £62,000 and the property I am selling is on the market for £95,000. I am looking for a new mortgage and will have to self cert & joint app with my wife…
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Endowment mis sold ?
Don't know if I have grounds for a complaint,hopefully someone might know.Briefly, I took out a mortgage in 1989 with a PEP through a broker. The mortgage was with the Newcastle Bldg Soc which became the Abbey,who in 2000 told me the PEP would have a shortfall.They advised me to take out a new ISA at double the cost of the…
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Getting 1st time mortgage with low income but with sizeable cash assets
I am looking to buy my 1st home . I have £65000 in cash assets but presently only have a very low income of £650 per month nett due to low working hours ( which could increase at some point ) . Realistically as a single person could I obtain a mortgage and if so how much ? If so what type of mortgage could I get ? What…
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ING and self employed
Both the wife and I are self-employed, and have been for around the last 2 years (3 in her case). We have found a new house to buy, and I like the look of the ING mortgage....it seems so straight-forward. However, they say in their blurb that they need 2 years of IR Tax Assessments. We don't have these, as we have been…
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What will Abby charge me?
Looking to move from my starter home which I have a £127,000 mortgage paying interest only variable for 2 years ending in August '07. The house ive seen will push the mortgage up to £197,000 and I'm planning to move before the 2 years will be up, will they charge me for borrowing extra funds, if so will there be a penalty?…
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Newbie with a query about MEAFs?
Hi all I hope you don't mind me leaping straight in with a question but I'm wondering if anyone can help. We are in the process of transferring 3 loans from Birmingham Midshires to Nationwide and have been informed that there will be £250.00 MEAF which we intend to reclaim. Does anyone know whether this will be £250 per…
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Want a mortgage...Advise needed!!
Hi guys, Im a 22yr old single Mother, work part time & studying towards a part time degree. More & more so, considering our future now, as i start to think about 5 & 10 year plans.... High on my list of priorities, is to get a mortgage (I live in a privately rented house currently) mainly, as a mark of security.... As, I…
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Mortgage with £55k worth a debt, possible?
Will a lender allow a mortgage when there is outstanding money owed to loans and credit cards? I personally have £55,000 worth of debt, however this is debt I took on for my company and repayments are made each month by my company. The company was valued at approximately £450,000 (£480,000 turnover, £140,000 profit) and…
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payslips and ing
we have decided to go with ing. we know how much we want and how long for. My parter started a new job on the 12th febuary paid monthly. How long will we have to wait to get enough payslips and history
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First time buyer
First of all id like to say thank you to all who will read and post to this topic of mine. Unfortunately i am going to be a 100% mortgage member (not the best i no, but circumstances cant be chosen) I am a first timer buyer (if the topic doesnt help!!) and have been to my bank with my partner to see about a mortgage, now i…
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Complicated Situation?
Evenin all, Was looking for a bit of advice on current situ if you'd be so kind. Currently live with GF in a rented flat in South London. We were looking to rent somewhere bigger but my Dad said if we wanted to buy he'd cover the deposit and come in on the mortgage to help us out. Legend, I know. :T Anyway in this general…
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offset mortgages -inflexible?
offset mortgages are there to reduce your mortgage term -they claim to be flexible , but surely they are inflexible as they tie you in because if you move your mortgage to a different lender what happens to the years of offsetting that you reduced your mortgage by -its not portable is it ? eg i could have by offsetting…
