-
mortgage in principle?
hi you may have read a post i wrote a month or so ago my partner ( who has excellent credit rating and had mortgage with nationwide for 10 years) and i ( not so good credit limit few late credit card payments no defaults or ccjs, everything upto date in last 12 months) were going for a mortgage. Anyway today my partner…
-
Better deal for 18 months
Hi, I hope someone can help with this. I have approx 18 months to go on my mortgage, currently with Leeds BS. I have just finished a 2 year fixed rate with them and have received notice of my new monthly payment, which has an interest rate of 6.9% and is quite a hike from my previous rate Most mortgage lenders seem to like…
-
Turned down by BM Solutions :(
We got turned down for a 100% BM Solutions mortgage last night. Found out this morning it is because of one £380 default from 2001 on my credit file. Is it worth waiting until this gets removed by the company issueing it (it is satisfied and should be marked as so) or would it be better to go with a mortgage that has a…
-
Equity Release
Hi, Aged 55, single, 2 grown-up kids who live away, no mortgage (I own house), don't work, rough guess house worth £100-120k. Is equity release a sensible option? If this subject has been covered already, could someone point me in the right direction please?
-
Deeds and mortgage
Hi new to this forum, Got a question that i hope someone can answer for me please. How many people can have their name on the deeds and also can you have your name on a mortgage but not on the deeds. My friend said his name is on mortgage but not on deeds to house. Can anyone explain how this would work. Does he have any…
-
Help with Friends Provident Endowment Please
I've been scouring this forum and could do with some advice please. I've had an endowment with Friends Provident since 1992 and was wondering whether to surrender it/sell it/ leave it going. Although the cash would be nice, I don't need it, so leaving it going isn't a problem. Would it be better to sell it/surrender it and…
-
could i get a mortgage
i would like some help. is it entirely impossible for me to get a mortgage as i am a temporary worker. i work for an agency in a whisky distillery where i have been for 9 months now. i have never been laid off in this nine months and am referred to as a "keeper" because of the skills base i have attained while being here.…
-
Referred to underwriters - Natwest! :(
Hi there, I am a first time buyer, and recently went through a very lengthy mortgage application on the telephone with Natwest - to find, thankfully, that they were happy to lend me the money I need to buy my house! I received the application form, pre-completed as i went through it all on the telephone..and signed the…
-
How to get help reducing a mortgage
Hi, Not sure how to ask this but I'll try. I am currently living on the Isle of Man, where my job is now officially at risk. Therefore I have to move back to England to find similar work. Not a problem, except I have a large mortgage (large to me!) Also my wife and son won't be joining me until after he takes his A levels…
-
Borrowing more on Northern Rock Mortgage advice needed
Hi, i could do with some advice. we have a mortgage with Northern Rock over 30 yrs of 103k. It gives us the option of borrowing more on the unsecured loan part. think the interest is 5.89. We could really use 6k as we want to redecorate/refurb ie, new kitchen, put a shower etc. Problem is that puts our mortgage repayments…
-
Can't get a mortgage?
Alright there, hope this is the right area to put this! Basically, I live at home, I'm 25, I looked a few months ago at houses and applied with my bank (Smile) for a mortgage, I'm a graduate and they offered me up to just over £125k for a first time buyer 100% mortgage, but I only wanted £90k, so applied for that. I got…
-
Abbey exit fee refund not enough. Now wot?
Hi, I paid £225 last Decemeber to exit the Abbey. Just got a cheque for £126. That means they charged me £99 admin fees. It should only cost em £35. They still have £65 of my hard earned. Should I push for it? Have I much chance of success of getting this balnce owed? Is there a letter template for those that have received…
-
Unpaid Direct Debit fee
I have a mortgage with Mortgage Express. During a financial crisis (mine that is) in 2005 I missed a few payments. Each time I was charged an Unpaid Direct Debit fee of £35 and an Arrears Administration fee of £30. I appreciate that there has to be a penalty, but is this excessive? Any point me asking for a refund? The…
-
Buying Freehold
HI , I have just recently found something which is very concerning to anyone wishing to buy there freehold. I was quoted In June of 2004 the cost to buy the freehold was £3200 approx. February 2007 I again enquired because I am now thinking of selling my house and the quote has gone up to £12,300 + Costs. When the…
-
p60
Is it possible to get a replacement p60? Is it your emplyer you need to ask for this, or can you get one from the tax office?
-
Should I release some equity?
It`s probably been asked before but I`m in two minds whether to try and release some equity in my house. I owe £37k on the current mortgage but my house is roughly worth £90k So I have roughly £40k just sitting here,I would like to get £18k released so I can pay off my £18k bank loan.This bank loan would be paid off in 5…
-
Remortgage with same lender
I have nearly reached the end of my current mortgage deal with C&G, I have phoned them and the new offer from them is very good. Does this mean I can just go ahead and switch to this new rate or will I need to go through the credit check, valuation process all over again? I have never missed a mortgage payment with them…
-
First Time Buyer
Hi, I was wondering if someone could give me a little bit of advice... My partner and I are looking at buying our first home, however we dont have much savings and before we start the ball rolling we were wondering what type of money we need to have together as we have no clue at the moment :confused: . We are looking at…
-
how do mortgages with rates starting from 2.49%
for example work? here is an example: "West Bromwich BS Direct Tied 2.49% To Feb 2009 7.34% 95% Overhang " . anyone gone into these sorts of mortgages? what does overhang mean? thanks again
-
New Mortgage
Hello My wife and I are currently paying 7.5 % interest on our endowment mortgage. Although we are planning to move house in the next year or so we would like to remortgage the current house in the meantime to reduce the monthly payments. We also have 3 endowment policies relating to this mortgage all of which are falling…
