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Which lenders will lend more than 4.8 times salary?
It will only be for a short time, hopefully. Someone mentioned the Halifax, anyone else? Thanks
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Early redemption penalty.
I understand the reason these fees are in place and that they are on a sliding scale and reduce the further you get into your agreed term. The question I have is this: We signed up with the Halifax for a 5 year fixed rate product. We are now in our fifth year and are moving abroad. I requested the final pay out statement…
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What would you do?
Can anyone help? Background: 8k of debts 102k mortgage mortgage payment each month £650 interest only. Income 20k (1250month) Tax credits £400 month CB £200 month So really struggling with 4 kids, gas, elec, life insurance, phoone, cars (both essential car users for work) etc. Mortgage companies generally won't touch us…
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53, Unemployed, Can I get a mortgage?
I have been un-employed for 2 years, I'm 53 and at present have a mortgage which is being covered by DSS. I have been told that if I lose my house all I'll be offered is a hostel place. But that they can continue with assistance if I wish to sell my home and buy something smaller. Can anyone give me a list of reputable…
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help! will i get a mortgage????
I work 16 hours per week and i am a single mother. I pay full rent and was thinking about buying my council house (down four in a block). I was bankrupt in 1999 and believe I am free of that now. Would I get a mortgage and what type should I go for? Its soooo confusing...any advice would be appreciated...thanks!
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Too soon to re-mortgage??
Hi all... Just looking for some advice from you mortgage boffins out there.. My partner and I have been Self Employed for just over a year - ok so far!! We bought a house in November for £200K - obtained the mortgage through a broker.. Mortgage is for £146K. Houses in the road are going for around £240-280K - ours was a…
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Help With My Fixed Mortgage
I was first time buyer with my brother 2 years ago, took 5 year fixed mortgage over 35yrs with us both as applicants. property was bought for £97k took mortgage for £120K to pay off our loans we had at the time. 95% of £120k was secured on home rest was unsecured loan. i earned total of £22k paat the time + he earned £17k…
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Decision certificate from Northern Rock mean anything?
Our mortgage has been approved by Northern Rock (they were fine with my £400 default and we have a "decision certificate" saying how much they will lend us). Our broker has double checked twice with them that we don't need any more credit scoring etc and is confident we will have no problems at full application. However I…
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Miss-Sold Claim Dates Please
can anyone please confirm the cut off/ start date for addressing mis sold policies. I applied in Jan 1989, the policy started March 1989 ?? Also who do I address if I am in date, the original paperwork was done by the estate office selling my house [ no longer trading] the policy is with AXA ?? I was on an ordinary…
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can any one help
Bought House With Flintshire County Council In 1990, Paid It Off In2006. In All Those Years The Council Said Because We Lived In Wales We Had To Pay 1% Over The Normal Rate. Eg If It Was 5% We Had To Pay 6% Can They Do This. Also In Sixteen Years We Only Paid 3500 Pounds Off The Mortgage When It Was Only 13000 To Begin…
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Mortgage Redemption Figure Calculated Incorrectly!
I have recently moved house, Northern Rock gave our solicitor a redemtion figure which led to £6400 coming back to us which we have used for home improvements. 4 weeks later, Northern Rock have phoned our solicitor and have told them that they have calculated the redemption figure incorrectly and we now owe them £1900! I…
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new mortgage
I currently own a house on my own and the 2 year deal runs out in August so I'll be sorting a different deal. However the mortgage is portable and I'm planning on buying a new house in the next couple of months, this will be with my fiance so a joint mortgage. Does "portability" include switching mortgage from single to…
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Selling endowment - reduced offer
I recently received a "firm cash offer" of 15,600 from aap for an endowment policy, I accepted the offer and returned the contract letter and letter of authority. This morning a letter arrived explaining that routine checking has "revealed a material error in the calculation of the offer amount", a reduced offer of 14,300…
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ING direct mortgage/remortgage 5.39% rate
Hello all. Quite new to all this mortgage malarky but having been on moneysupermarket and other mortgage brokers sites I'm finding it hard to find a better quote. No fees etc with this bank which is all a plus. It just seems to good to be true. really. I did do search on these forums regarding ING but other rates were…
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House for sale
Hello any help greatly appreciated. My house is currently for sale, been trying to sell for close to two months with no luck what so ever, in this time i have been making regular overpayments to try and reduce my mortgage. currently paying close to 7% . should i remortgage (current deal runs out 1st april) and then port…
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question about payslips
hi, We are looking to buy asap as we have been renting for far too long. my partner up till now has been a student but in febuary now has a good full time job. I myself have been at the same place for 5 years! :-) We want to go with ingdirect but need to know about payslips. My partner is about to get his second payslip (…
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Mortgage for my friend, bad credit history and no deposit
Hi all My friend has a bad credit history from her past, it is getting better and she is paying all of her debts off. She also has no deposit to put down. She is currently living in private rented in Anfield, Liverpool. On her road there are young people causing lots of problems every night and she needs to move and would…
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Can anyone recommend an IFA in central London?
Hi I was wondering if anyone could recommend an independent whole of market IFA in Central or North London. I'd need someone who could recommend on adverse credit mortgages. I'm not sure how best to find one. Thanks
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Nationwide 25 Yr Fixed 5.59%
I was a first time buyer a year and a half ago with the HSBC and my payments have gone up by 100 quid per month 3 times over that period. I was thinking of changing to the Nationwide 25 Yr Fixed 5.59% mortgage so I know they won't keep putting the interest rate up. Is this a wise move or a stupid one that only a drugged…
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Northern Rock Mortgage Exit Fees - Help Needed
Hi, I hope someone out there can help. I sent Martins template to Northern Rock and heard back from them today. Not happy with their response. I had a mortgage with them from Dec'02 to April'05. I was charged an exit fee of £175.00. They sent me a letter telling me they will pay me £15 back. That the fee that applied when…
