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9.3% argggh
how long do i have to be working to get a re mortgage, i am on spml 9.3% at the moment, want to add my girlfriend on to it when i rermortgage, flat is worth 70k i owe 39k want to make it 50k pay off securede loan as well, how long should i work for before i apply opnly been there a week. i 15k mrs 11k per annum thanks
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Forcing a property sale?
My ex-boyfriend and I have a joint mortgage and jointly own a property. We had only just moved and re-mortgaged when we decided to spilt. Too soon since paying out conveyence fees etc we were reluctant to immediately re-sell and since he insisted that it was HE who stayed in the property, I left. We agreed to split any…
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remortging
we are looking to remortgage because we want to fix the interest rate for 2 years and borrow extra to make home improvements we started with our bank who advised no problem our credit rating was one of the highest we thought we would shop around aswell and found a good rate with nationwide and applied online we were…
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irish mortgages
Dear All, new to the site and Ireland having just emigrated from Australia(the kids still have not forgiven us) would really appreciate info on best Irish mortgages/variable rate/low interest/early repayment, thanks.
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BTL mortgage-dss tenant
Can someone tell me whether it makes any difference to which mortgage companies I approach to re-finance my btl properties if the previous tenant was a dss claimant. My point was that if there are few lenders who will accept dss and I lock myself into such a deal, supposing I then let to non-claiming tenants in the near…
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Can I get a mortgage higher then 5x salary if...
If I were to get a 100% mortgage, 30 years interest only on a buy to rent basis, covered under a guaranteed rental income scheme could I go above the 5 or 6 times my salary? As under the guaranteed rental scheme I could afford the repayments. I am not looking for anything stupidly big, but I'm on about £15k pa, which gives…
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Please could you help, its about my Mum, and her mortgage.
Hi to you. 2 Questions really, one to do with the buying situation, and one to do with the mortgage, and just looking to see whether any of you guys can offer us some advice, so i can pass on to my mum. I was just wondering whether anyone can advise on my mums situation. My mum is 60, and is looking to downsize. She…
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Mortgage Question
I am living with my girlfriend in her house. It is in her name. We are moving to a new house which we will both own. I don't have an income - my girlfriend earns £37000 per year - will i be on the mortgage? Thanks
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offering a price
hello. we have viewed a house today. just out of interest. the price was 157950 and we in very serious need of a decor makeover. This is about the going rate for a house with decent decor. She will budge on the price as it's a seperation. What would you offer?
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Why become a mortgage broker
What with the FSA regulating mortgages, having to pass mortgage adviser qualifications, compliance, complaints, etc. it has become harder than ever to become a mortgage broker. So if there are so many problems associated with becoming a mortgage adviser, why, oh why do so many people strive to become a mortgage broker. JoeK
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Joint endowment policy with ex-partner
:confused: Does anyone know anything about having a joint endowment policy and life assurance with an ex-partner? I was in a relationship for 9 years (not married) and we bought a house in 1994. In 1997 we took out a joint endowment policy. The relationship broke up in 2000 and as I could not afford to buy him out, I moved…
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Need a little advice for my father about is endownment
My father took out an endowment which he ended up cashing in and then getting a loan to pay off the house. He realised he had been mis sold his endownment and contacted some group off the telly to be told no way he would get anywhere, so he left it there. 4 years after realising the downfall, he has been told its too late…
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Pelease help! Potentially stolen proof of id
Hi, I got a mortgage through the nationwide and sent off documents proving who i was - a P60, wage slips and a copy of my drivers license and passport. I got a letter back from them today that opened really easily which contained all of the above except the copy of the passport and driving license. Do the nationwide keep…
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Must I declare previous repossession when remortgaging?
Hi, like many others i had to hand back the keys to my house in the early '90s, incurring a CCJ from the Cheshire Building Society. I have since reached an agreement with the Cheshire and made a payment in full and final settlement, although not the full amount owed on the original repossession. The CCJ has been marked as…
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Endowment Compensation Calculation Query
I finally got an offer for my endowment compensation claim. I understand they are offering me the difference on the amount I would be still owing as if I had taken out a repayment mortgage instead in 1988, less what would be still outstanding on it. That sounded quite fair, until I remembered I would surely also have been…
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Mortgage Sites..
Sorry if this as been posted before but i can't seem to find it. I am due to re mortgage very soon and was wondering if there is any good websites for comparing all the major lending companys for fixed rates etc? I have a mortgage advisor but was just curios to have a little shop around myself before i speak with her. I…
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Information Required
Hiya, Does Anyone Know When Is The Best Month To Pay A Small Extra Annual Lump Summ Off Of A Mortgage,? I Have Heard That Depending On The Month That It Is Payed It Effects Tax And Interest Rates For The Coming Year Just Dont Know Which Month It Is. Many Thanks For Any Help Or Advice
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urgent redemption fee help
Problem Selling existing house Moving into rented accomodation for a few weeks Buying new house I can exchange on sale and exchange on purchase but there is this gap in the middle where I don't have a house and hence cant have a mortgage. I have redemption penalties but am happy to continue with the existing lender bar the…
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Mortgages help please.
I have recently moved house. The plan is to finish decorating and move house within a year. The loan is 132k. Currently with C&G on a tracker (tracking .5% over the base rate). I am keen to get a fixed rate (with no penalty for moving house). Would this be the right thing to do? What product would you recommend? Thanks for…
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IFA Fees
Recently spoke to a IFA about re-arranging our mortgage and combining some other debts, we are just finishing a fixed rate deal and need to get on another one, I asked about their fee’s, and eventually they mentioned a fee of a max of £1295 which seems a bit excessive to me, not having used a IFA before, is this excessive…
