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Mortgage Advice
Hi, I am hoping someone could help me out with some mortgage advice, my situation is as follows. (appologies for the legnthy post) My wife and I are currently expecting our first child, and have just accepted an offer on our home in the North of England, and we are planning on relocating to the south where the wife is…
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How do I get Home extension loan not on variable rate
We are just about to sign for purchase of new house with fixed rate mortgage of 4.99%. We will have to build and extension immediately so have tried to secure the further advance of funds upon completion at that same rate...to no avail! They will only give us a home extension loan on the variable rate...how can I get my…
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Fixed Rate advice please
My fixed rate on an interest only mortgage is coming to and end. There are just 5 years left to run on the mortgage and I have been offered the following deals by my original provider, Bradford & Bingley. There are no charges involved in these unless I pay the loan off early. (Not much chance of that!) The offers are :- 2…
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Re-mortgaging advice
Hi there Just looking for a bit of advice on my mortgage situation if anyone can help! Been looking round the marketplace for good deals on mortgages as looking at re-mortgaging (currently with direct line £69k mortgage @4.99 fixed, due to expire next few months). Cheapest fixed rate I could find was with Yorkshire Bank…
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Buy to let mortgage advisor
Hi I am looking for a whole of the mortgage advisor to find me a buy to let mortgage and I need one quick! Completion is set for 21 March!:eek: I am in the North West. Thanks:beer: Andrea
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Repeat Q - really want advice please
Is there anybody out there who knows about transfering names on a Mortgage. I am buying out my X and want his name transferred to somebody else, which he has agreed to, but have no idea if it is a costly or complicated process. Advice really appreciated.
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Redemption Statement Fees - Fight Back!
A variation on exit fees: My previous mortgage lender (Yorkshire Building Society) came up with the novel (well, to me at least) idea of charging a £25 fee for any further redemption statements after the first one (you know how your solicitor or your new lender can sometimes be a bit slow in processing paperwork, resulting…
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How do you get two mortgages?
This is a bit complicated and I have posted it before but with no replies so am trying again as a new thread. One person owns a house worth approx £175,000 (may be more) - on which he owes £125000 on a fixed for 10 years mortgage at 5%. It will cost around £5000 to get out of this. The mortgage could be moved to a second…
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Can Anyone Advise - Is This Possible?
Thanks for reading. I have the possibility of purchasing my grandparents home valued at £ 150 k for £ 50 k. My grandparents would continue to live in it with me paying the mortgage as a way of getting on the property ladder. I have over the last two years for various reasons created a poor credit rating throu late…
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Advice on joint mortgages and loans!
Hi there, A friend of mine split with her husband a while ago they are still married and she lives in the house that they have a joint mortgage on. He has now told her that he has taken out a big loan and secured it against the house! Is this legal??? As it is a joint mortgage don't both signatures need to be produced to…
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WOM Mortgage Advisor
I'm sure this is a stupid question and I posted in the house buying forum and then saw this one (D'Oh!) Anyhoo, can someone tell me how I find a good whole of market advisor please? Is there a list somewhere? Are there any recommendations from here? I don't know anyone who has moved in the last year or so that hasn't just…
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Are we kidding ourselves
I want to know how realsitic im been. We need to sell up and move as expecting again. But not sure if we can afford to do so. If we sell for £150,000 we will have about £10,000 deposit. We are currently looking at houses around the £160k mark. So we would have a deposit bigger than 5% but our credit rating really is not…
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ING ok or not?
Someone said that Martin had said on BBC R2 not to go near ING. Is this true? Was he talking about mortgages or something else like credit cards? What if anything is the problem with ING mortgages?
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Mortgage - income amounts
Hello How much of our joint incomes can we expect to get a mortgage for? When we first bought our house it was 3.5 times the joint income but the market has changed so much I was wondering what we can expect? I see many are 4 times - is this common place? Thanks
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Moving house - Keeping Mortgage?
I'm in need of some advice. We are looking to move house and are probably going to buy for the same price as we sell. We want to keep the mortgage we have. What is the process, will they charges us anything to do this? Is it classed as re-mortgaging?? All help appreciated (i'm with the Portman BS who are merging with…
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Mortgage exit fee
I have an endowment mortgage that ends in May and I have a repayment mortgage that ends in June both with Abbey I have spoken to them and they say that I wil have to pay £225 exit fee. Will I have to pay twice and should I pay the fee whatever that is and then attempt to reclaim it or should I refuse to pay. Should I write…
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Advice needed: remortgage with bad credit
Hi Guys, My Story: We currently have a mortgage with Future mortgage and the fixed term has run out. I have a ccj and some defaults (5/6 years + old and all satisfied). OH has a few defaults expiring this year. We approached a company called First Advice in dec'06 and they informed that a company called accord were in a…
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Any suggestions for a 3 year fixed mortgage?
Hi there. I am looking for a mortgage with a fixed rate for 3 years (perhaps 40 months if one exists). Does anyone have any suggestions for suitable deals? Just looking for some pointers so that I can go and research them more thoroughly. Thanks Clariman
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Should I get a buy to let?
Hi I have just sold my car and im contimplating getting something a bit more modest and buying my first property. Basically, I work for the family letting agency, and am 21, still living at home. I have saved about £15k and also have a seperate house deposit which I can get hold of in about 3-6 months time. I took a…
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Advice for FTB
Hi Guys, Was wondering if any of your mortgage whizzes can offer me some advice. I have a deposit of £60k and my mortgage adviser has come back with the following Mortgage: A & L repayment mortgage fixed @ 5.34% for two years then standard variable rate thereafter, for £100k Set Up Fees - upfront of £599.00 Is this a good…
