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HELP Nationwide remortgage
hi present deal with Nationwide finishes June, but with fixed deals being withdrawn tonight need to decide now HELP PLEASE. Been with Nationwide many years have been offered so many options I'm confused. just looking for best deal, can pay product fee or add to mortgage which ever works out best almost £60,000 mortgage…
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Can you use ISAs to offset?
Hi I've heard of people offsetting ISAs against their mortgage, but I don't seem to be able to find any lenders that will allow me to do that, or ideally allow family also to offset ISAs against my mortgage. Thanks very much for any help you can give :)
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Cemap
I have passed CEMAP 1 and passed CEMAP 2 (getting a merit in 2 units.) However three days later I took CEMAP 3 exam and failed. I got 33 correct out of 60. If anyone on here has ny hints/tips or guidance as to what I can do now to ensure I pass next time, it would be greatly appreciated. Many Thanks, Brian.
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Previous Addresses...credit report/mortgage HELP!
Hi, Well i got my credit report this morning. Everything looks fine credit wise, all up to date etc.. Last year we applied for a mortgage with Northern Rock but got refused even after we has a AIP, because they said we had too many addresses. This seemed really weird to us as we hadn't had that many at all ! So now looking…
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A mortgage without proof of income?
Need a bit of guidance on mortgages and hope someone out there can help with some ideas. My circumstances: Live in a property recently valued at £225K and my mortgage is £50K so assets of £175K tied up. No debts (besides mortgage), no CCJ's etc and have an excellent credit history BUT I have no proof of income (only been…
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New Job and Moving House
I'm about to change jobs and although in the short term I can live with the 100 mile round trip commute ultimately we are going to move closer. My wife's keen to move ASAP and she's nagging me to put our house on the market within a month of me starting my new job, I'd like to take things a bit slower as the job comes with…
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Endowment- carry on another 8 years or cash in
Could someone please help I have been paying an endowment mortgage with Standard Life for about 12 years out of a 20 year term. (I have claimed & received £5.000) I am not sure if I should carry on paying every month or cash this in now. I would get £14.668 It is £118 a month for another 8 years. Last years estimates are…
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Mortgage for home overseas
I am looking to get a morgage soon within the UK, but i would like to use the money for a property in Australia. can someone please give some information about doing this and is it legal to own a property abroad while living in the UK? :confused: thank you very much for your time. :D
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Nationwide aip
Hi can anyone advise how long an agreement in principle is valid for with the Nationwide, I have tried to find this on their website but can't see it anywhere. My fixed rate is up with the northern rock in 5(ish) months but not sure if aip is 3 months or 6 months Help appreciated
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Alternative to Self-Certified Mortgage
Hi Im posing on behalf of a friend.... She works part-time (she spends the rest looking after her children) so recvieves a small salery. She also recieves money from her Ex (child maintainance), and also some child benifits etc. Unfortunately she has previously had to go the Self-Certified route as the multiples simple…
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Do we need a mortgage broker?
Most of us have all experienced hard times at some stage in our lives and received letters from banks telling us that they are going to charge us £27 for bouncing a cheque or non payment of a direct debit or standing order. Now is the time to hit back and take some of that money back from them by taking advantage of the…
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Nationwide 3yr Fixed ending. What next?
I'm in my final year of my fixed 3yr deal with Nationwide and was starting to look around however was wondering if they do deals for current customers of if it's worth moving elsewhere? Not to wizzed up on mortages so sorry if this might seem like a simply thing but I'm learning......slowly :rolleyes:
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Advice please - First time buyer
Hi So, I've got myself a job lined up for when I leave university in June (start date: 2nd July). I need accomodation in London. My friend also has a job starting 13rd August in London also. We have both been living together for a few years at university so we have decided to group our pennies to get a house in London…
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UK Property - Buy before it's too late?
Has the saying the “Englishman’s home is his castle” come to an end? Since the days of Maggie Thatcher, the British public have slowly become householders and at the last census, as much as 65% of UK people lived in their own homes. But has this trend started to reverse? As UK house prices have escalated out of the reach…
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Mis -sold endowment - why do they want to know if I was in receipt of DWP benefits?
Hello I am filling in a claim for the FSCS to see if I was mis-sold an endowment back in 1991 - and one of the questiions is: were any of my mortgage payments paid for me by the DSS. I did make a claim for benefits in the 90's and I had the interest paid for me for about 2 years. Why do they want to know this? Is this…
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What documents needed for remortgaging.?
Just out of interest and planning ahead..could I ask what documents are needed for : A-Remortgaging with the same provider and B-Is remortgaging with a different lender basically just seen as a new mortgage,so it 3 months statements,passports etc etc?? Cheers T.
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How about setting up Fixed rate comparision only
Which bank/rate? set up fees? etc.,
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1 year mortgage term?
Hi, I have a 2 year discounted mortgage deal finishing in June 2008. On 1st Oct 2008 I have an endowment mortgage maturing (£20,000), then another one maturing 27th Sept 2009(£3,600), and another 21st Nov 2009 (£12,000). I will still have some mortgage to pay after that (capital & interest) for a year or two. I will then…
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advice please
:confused: this is my situation. i have repaid mortgage on my own house. we are still working on the property. a nearby property has come on the market in which i am very interested, either to live in or rent. i would like to hold on to both properties. where do i stand as far as mortgages? eg if i buy the second property…
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Moving and wedding?
Hi, LooKing for advice? Me and my boyfriend live outside Edinburgh. Our house which is worth between £115 to £125K depending on what we get on the Scottish Overs system but we def would not sell for less than £115K. We ove Northern Rock around £84K. We aim to move later this year and put our house on the market after our…
