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Help!!
Hi All, I'm in the process of buying my first house and I have until Monday to decide which mortgage to take. I am borrowing over and above the amount the property is worth and therefore don't get such a great rate. I have narrowed it down to three choices: 1. 2yr fixed @ 5.85% = £1025 per month 2. 2yr fixed @ 6.09% =…
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Needing some sound advice...
Have recently split up with my partner and in the Summer of 2005 we bought a house together, two names on the mortgage, 50/50 arrangement between the two of us, mortgage with Northern Rock. My ex has recently decided that they want out of the relationship and has officially moved out.... now I have got a lodger ready to…
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remortgage - abbey not offering me a good deal to stay
hi my current mortgage is up on april 4th, that will have been my 2 year term with abbey up, i called them up to see what they can offer me, lets say im not impressed, i cant even stay on the same rate it only applies to new customers. house value - 125,000 approx guess loan reqd - 68,000 term - 23 years wages - 28k gross…
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Can I pay some of my mortgage via a credit card
I have 10k in a savings account. I have several credit cards that give 1% cashback I have no early repayment fees on my mortgage Can I pay lumps of my Nationwide mortgage using credit cards then pay the credit cards right away but retain the cashback
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Would I get a mortgage?
As I'm not long out of University and just into my 1st full time job which pays 13,000 p/a, I am wondering what the prospects are of me being able to secure a mortgage. I have seen a property that I am interested in with an asking price of £140,000. I have a deposit of around £15,000 which means I will need approximately…
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Expert advice on our rather poor state of finances due t0 some niavety on our part
Are we beyond help with these finances House value 170000 Mortgage 150000 int 7.33% 900 per month 22years Loan U/secured 17000 Taken out 03/05 Welcome 22000 int 1.8% pm 400 per month 10 years loan secured Taken out 12/05 Endeavour 13000 int 10.9% 290 per month 10 years loan secured 07/05 There must be somebody out there on…
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can i get a mortgage?
Hi All, Myself & my hubbie have been private renting for over 11 yrs now and we have 2 kids. we want to start putting our monthly rent to some use and start paying our own mortgage so we dont waste our money for the rest of our lives! We are currently paying around £600 per month in rent but being a complete novice at the…
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Agreement in principle
We have an agreement in principle from the Nationwide. Thanks to all who answered questions. I now have a couple more and hope someone can tell me. We have the AIP for the maximum we want to borrow, if we reduce this depending on offer, will the Nationwide credit check again, or has all this been done now, and the credit…
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Mortgages if you live abroad?
I have moved to live in Ireland but own a flat in Edinburgh which I rent out. My 2 year fixed rate deal is up in June. Can anyone advise which is the best mortgage to get when you let your property and don't live in the UK? Cheers! :beer:
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what is the best mortgage deal at the moment
after 20 years with being with abbey, my husband wants to switch the mortgage elsewhere. can anyone tell me the best high street place to go. who's got the best offers?
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Mortgage help with option to let if needed
Wonder if someone could advise me, I took a 95% mortgage with the Nationwide 5yrs ago and my deal is coming to an end so have arranged to meet with them tomorrow... However someone told me you could never let your property with them. Can anyone confirm this, its just I will be relocating soon and looks like best option…
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Overpay or Save
Am I missing something - currently paying extra £250 to repayment mortgage per month this reducing the term - but would I not be better saving this money in an ISA where I would earn interest and when I have a few years in the bag transferring over to the mortgage? Right now that £250 isn't working for me?? Tell me I'm…
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Will my mortgage be a buy to let?
The situation is: I own a 2 bed flat, current value approx 135k, mortgage is 78k. I bought it nearly two years ago on a 2 yr fixed rate. I moved in with my girlfriend 6 months after buying it and leased it out, the bank were fine, they simply charged me a £50 fee and acknowledged the fact that it was now a leased property…
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Good idea to cash in unit linked endowment?
Hi everyone. I currently have an unit linked endowment which needs to pay off £31000 mortgage. I pay £110 p/m at the moment (it increases each year in line with something or other;) ) Any how, its well on track to pay off the amount and is currently worth £16500 with 12 years still to go. In a couple of years i will have…
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Buy To Let Mortgage at low value
Hi, I'm thinking of buying a property as buy to let. Up here, the prices are much lower than elsewhere. I'm looking at £33k for a flat and I'm after a mortgage of £25 on it. I'm trying to find a lender who will go that low and provide a good rate? Does anyone know of the best way to go about this?Maybe a personal loan…
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remortgage? how does this work?
Hi, I am new to this house buying thing and wanted to know how a remortgage works. Would it mean that you go back to year one if you remortgaged?:confused: :confused:
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Rental demands
We have gone through with many different site where we can see the prices of the properties. But is there any list or research available over the internet where we can see where acually peoperties are in demands for rent. Thanks
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Mortgage repossession
Not sure if this is the right place to be or whether anyone can offer any assistance or point me in the right direction. In 1991 our property was repossessed that had a mortgage with National Home Loans. Over the years we had had many threats to take us to court for the repayment of £43000 which we say we dont owe. We have…
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Remortgage
Hi to all, This is my first post on this forum. Im due to remortgage at the beggining of April. At present im with Nat West but im looking for a better deal. Im looking for a fixed rate for 5 or 10 yrs (not sure which) on a mortgage of 20yrs or less with repayments of no more than £450 pm. Im not sure about the arrangment…
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Payslip query
I've just received my March payslip. It shows period 12 so I thought the gross to date should equal my contractual annual salary. It is short by about 84%. I am applying for a mortgage but have misplaced my P60. I was hoping my March payslip would suffice. Am I missing something or have I been underpaid??
