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could i get a mortgage?
Hi there, I just wanted a bit of advice, I live with my girlfriend in rented accomodation and we’re looking to move to a slightly safer area. However the rental prices for the properties we’re looking at are around £600-700 per month. I was just wondering whether anybody would give us a mortgage at a reasonable rate? The…
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Nationwide fix rate different when applying online?
All Our Nationwide mortgage is due to expire at the end of May and we have an appointment in a couple of weeks with them. Probably sticking with them on their 5yr member no fees mortgage. This was listed as 5.44% on the website, however, if you apply online (or do a calculation of how much it would cost you) it comes out…
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Nationwide 25 Year Fixed Rate Mortgage 5.49 %
What impact is this going to have on the housing market? my initial reaction is drive it up ! :confused: Source BBC2 Teletext p237 27/3/2007 http://www.nationwide.co.uk/mediacentre/PressRelease_this.asp?ID=971
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Gift Deposit on Buy to Let mortgage
I have never applied for a buy to let before and I intend to use a large deposit supplied by my mother to do this, Will the lender have any issues with this? (The Chelsea), is there any legal documents she will need to sign? Thanks
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Charges for mortgage late fees
Anyone know if you can chase fees charged to you by a mortgage company for a direct debit bouncing in the same way you could ask for them from a bank? Many thanks:beer:
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B T L second mortgage
hi all , i have a btl house in my name only and want to buy a second one in april (found the right house ,doing a deal with the developer) would there be any advantages - disadvantages in putting it in my name or the wifes thanks in advance rob :beer:
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Credit cards for deposit payment
I heard somewhere about trying to get a 0% credit card to use as a deposit towards a mortgage, therefore reducing overall mortgage interest rate. Is this true or a bit of an Urban myth? My wife and I are looking to buy the house we rent soon (within the next month or so), it is all a little bit complicated as at the moment…
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Remortgage + Remove a name
Hi, I currently have a shared ownership flat with my sister (and have done for almost 3 years). Anyway we're wanting to go our separate ways (namely, her find her own council place so at some point my girlfriend can move in). I've also currently got the Money Saving Buzz, and want to remortgage to hopefully cut some of my…
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Mortgage for a House Conversion?
I want to convert a 4 bed mid-terrace house, into 2 self contained flats. How do Mortgage lenders view this kind of proposal? :confused: Any advice would be gratefully received
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Buy to let can someone enlighten me please?
My boyfriend and I's financial situation is that he has bad credit with the yearly salary and I am self employed with wonderful credit but no good way of proving income. Because of this we have been advised to maybe try buy to let. It hasn't been set in stone but it was just a suggestion. Anyway I am unclear of what it…
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Second mortgage - best deal/can I use any lender?
Hello Forum, I am looking to borrow £12,500 over 15 years as a second mortgage to fund a home extension. I've been offered 5.84% fixed for five years with my existing lender, and the fees for the product have been waived. There is also the flexibility to overpay by up to £500 a month, so the term can be reduced by making…
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remortgage advice needed...
i would like to cut back on my work a little to get that work/life balance back, currently working major hours!!! but im worried when my fixed rate is up and im shopping around for a good deal that a lower income will make it difficult to get a mortgage. I increased my cleaning business (from 35 hours to roughly 57) a few…
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Urgent Advice Please Re: Moving During Fixed Rate
Hi, Position is Took out a fixed rate mortgage with Nationwide in 2002, for three years. THen renewed in 2005 with nationwide again fixed rate for three years. Due to expire june 2008. Mortgage is made up of Mortgage £68k Further advance £20k Further advance £7k All these are in line with mortgage and due to expire june…
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Overpay mortgage or save
Hi - I'm looking to overpay my mortgage by £100 a month if I can. My mortgage is fixed for another 4 years at 4.74%, but I can save this cash in my Icesave account which pays 5.7%. I am a tax payer - would I be better off savings and maybe paying a lump sum at some stage in the future?
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Can Bad Credit be cleared from file?
My bboyfriend has got £3500 worth of defaulted debt on his file that he did not know about..fool! One of which is a county court judgement. If we pay of this debt is there anyway to get rid of the evidence on his file so that we can get a mortgage and if so how long would it take.
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ReMortgaging Guidance
Hi Guys & Gals Looking for a little advice. Have downloaded the remortgage guide and will spend some time reading through it. Thanks for taking the time to write it. I have 20 years left on my mortgage and I owe £72553. I currently am on a fixed rate of 4.99% which ends in April 2008. I currently have early repayment…
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Interest in advance?
We've just remortgaged with Northern Rock and they're charging the interest in advance. I've not noticed this happening with our previous mortgages (maybe we just missed it!). Is that the norm, to pay interest a month in advance? They want a payment for the first half month by cheque then the next full payment will come…
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HMO Mortgage breach
I was reading my mortgage agreement last week and I found that: Special conditions: The property must no be a house of multiple occupation as defined in Section 345 of the Housing Act 1985. I Applied for a houses of multiple occupation license last year and I am on the final step of negotiations with the council to get the…
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County Court Judgement & Self-Employed
Help, Help, help! My boyfriend and I have been seeing a mortgage broker recently who I have to say is excellent however we have found out that my boyfriends credit rating is not to hot. He has £3500 worth of dept that he didn't realise he had all of which have been defaulted and one of which is a county court judgement of…
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Mortgage Advice Bureau??
My hubby has made us an appointment to see an advisor at the mortgage advice bureau. I understand they charge a fee, I'm not sure if they are whole of market etc or even if we should see them. I would appreciate any opinions, please??
