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Mortgage payments
Hi, Very quick question re monthly payments from a friend with out net access at work. Does a mortgage lender take the monthly repayments on a arrears basis or advance basis. A friend of mine took out a new mortgage with a completion date of the 16th Feb '07 which all went through with no hitches. She has just checked a…
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Redemption rip off
In 2005 we remortgaged our property with Brittania BS whom we had been with for 13 years. 12 months later we decided to move and approached Brittania to arrange our new mortgage. After several meetings with our local branch, Brittania informed us they could not agree to lend us the amount we were looking for. Because of…
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Mortgage Joining Fees
I've read loads about the Mortgage Exit Fees being unfair.. but is there any info on the joining fees being unfair too.. or are they covered here because the figures are transparent from the onset? Anybody know?
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CF6 Mortgage Advice
Hi! I'm sitting the CII CF6 exam tommorow, has anyone passed this recently? If so any tips on what to expect..... Thanks
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Changed our mortgage with big charge - advice needed
We came to the end of our reduced rate on our mortgage in February so we changed mortgage to another reduced rate with the same company (Chelsea Building Society). I have just checked the paperwork and they have charged us £640 to transfer from one mortgage to another with them. The letter we got in January about changing…
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Mortgage Exit Fee
I exited my mortgage in October last year, and was charged 195 pounds to do so. This was the figure quoted in my original contract with my mortgage company. I have written to them saying that i think the fee is too high, and can i have a refund, but they have written back saying it was in my contract, and it does cover…
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Mortgage & Extension Build...
Hi guys, iam planning an extension at the moment..... i have applied for planning permission but its going to take 8 weeks to get an answer.... i will want to lump 10k onto the mortgage if i get permission.. but my mortgage deal runs out in 4 weeks.... what should i do? how can i work this?
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(Multiple) Mortgage Calculator
I need a calculator which will allow me to compare the 2 following scenarios. Scenario A : I STAY with my current Mortgage and take a further advance at a DIFFERENT rate. So there will be 2 seperate amounts outstandgin with 2 seperate interest rates. This will last for approx 18 months (when current tie in finishes), at…
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oceanbee
I have a house valued at £200k with a £100k mortgage. I would like to buy my mothers C/house for £46k which if sold in two years i stand to make her £70k. How can i do this can i remove some of the money in my house? Or should i move buy her house and look at another home only putting down £50k deposit. Help:eek:
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oceanbee
I have a mortgage with Kessington for £100k with my £80k as down payment, i had to take this mortgage as my ex left me with huge debts, well i have never missed a payment of this mortgage in two years but my rate is about to go up. Can i change this how do i change it and who will lend me money with my old record. I dont…
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Irish Life Assurance
I have found an old endowment policy with Irish Life Assurance Company, Irish Life Centre, Lower Abbey Street, Dublin 1, Ireland. The telephone number no longer exists. Does anyone know who they trade under now or how I would contact them? Thank you.
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FTB mortgage application today!
Hi there, We are first time buyers applying for our first mortgage today and I've got no idea how it works! :o I'd be grateful if someone could explain the process to me. Will they tell us straight away if our credit check is satisfactory? How long does it take before the mortgage is approved? Thank you!
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Help - Remortgage Query (stressed!)
Hi Just wondering if anyone was up who would be able to answer my question as it's still 2 hours until I can phone the solicitors to find out what's going on. The solicitors texted me yesterday to say my remortgage had completed and any monies owing to me would be transferred to my bank account. This morning, the money has…
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remortgage advise please!
Please help. Our current 4 year discounted deal with Alliance and Leicester runs out at the end of March and I have no idea where to go from here. We have £71k left to pay (original loan £77k, property value around £120k). They have outlined some of the offers we can move onto. *2 year base rate tracker @ 4.99% for 2 years…
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Mortgages changing companies/lenders
Can any one advise me? I have a mortgage and have recently had to go on to D.W.P income support interest payments due to medical circumstances. I am with the Halifax and somehow the have managed to pay my direct dwp payments into somone elses account since november 06 :mad: i have tried to sort it all out and have been…
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buy to let
Thinking of a buy to let and have two questions 1) does your income have any bearing ( i am currently between jobs) 2) does your credit have any effect on the motgage (i have a ccj)
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Is there a better option???
Hi all, myself and my partner took out a mortgage (2yr fixed rate) 4 years ago with halifax for approx. £45,000 we then sold this house (2 yrs ago) for £150,000 we paid off the mortgage, paid a £30,000 deposit on new house (brought for £132,500) leaving us with a 100,000 mortgage (also fixed for 2 years) about a month ago…
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Moving house and mortgage
Hi, can anyone tell me, when you move house do you need a brand new mortgage or can your existing mortgage be transferred? My friend is looking to move house but the one she wants to buy is only about £8,000 more than her current one is valued at. She is with Northern Rock at the moment on a fixed interest for 3 years (she…
