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Mortgage application credit cards
Just entering credit card info on the mortgage application. 2 of the cards are for business expenses in husbands name, but all work expenses go on these cards, then he puts an expense claim in, and it goes off the card. However there is always a balance and it varies, what should we put on the application? Many Thanks
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Remortgage with defaulted debts
Hi I need some pointers on remortgaging cos i am in a bit of a tangle I am on a horrendous together mortgage form Northern rock with current interest of 7% APR.:eek: all payments to NR are up to date. I have not defaulted (yet) on the unsecured part as it is in joint names. however we are only paying interest only at the…
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I made a mess of loan application - can I fix it?
We applied to borrow 40k to do an extension. We applied to our current lender A&L. This would have taken the mortgage from 67k to 107k. We've just received a letter saying they'll lend us just 14k. We're stumped - my OH earns 24.5k and we get £1267 in tax credits so according to their calculator we can borrow 115k. They…
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Advice Re: Porting my mortgage please??!!
Hi, I am looking to sell my property and port my mortgage across to my new purchase as I am still tied in for a year, and was hoping for some advice about porting mortgages. My original mortgage was for 157k it (unfortunately) included Higher Lending Charges and arrangement fees totalling about 3k so my total loan is 160k.…
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Do your own Land Registry search-it may save you ££££££££
So you've seen the property you want and not sure what offer to put in or maybe how long is left on a lease,or maybe you are just inquisitive ? Then use this very useful tool,it could save you thousands. Download a plan or register for the house you're buying for only £3 each. Find out what land's included, ownership,…
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Fixed rates-act fast.....
'Fixed rates' are proving very popular at the moment as people seek protection from rising rates. As long as you've got your fixed rate application into the lender, that rate will be honoured, so don't hang around.
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just secured a new deal....
just got a new deal sorted with halifax for a 3 year fixed rate. i have weeks until my deal runs out, but i thought i had better secure a fixed rate now, in light of inflation rising and fix rate deals being withdrawn.... i have 3 years fixed @ 5.85% i understand this might not be THE BEST deal out there but does everyone…
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How can I get a new mortgage with the C&G
I currently have a mortgage with the C&G I recently went to see them with regard getting a new mortgage as I wish to sell my property and move to a different property. They have refused me based on my credit rating how ever when I went to see them 4 months ago they appoved me. Based on clearing all my debts with the sale…
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95%
Hey guys just wondered if any one could give me an idea of monthly payment son a mortgage of around 160k Looking at a nwe build now as withdrew offer on other hose and now hoping to get 5% builders dep x
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Lenders pull fixed-rate mortgages
Not sure if I can plagiarise off bbc..... http://news.bbc.co.uk/1/hi/business/6571043.stm So will they all come back .25 up straight away? I didnt think the money market rates were that closely linked to BOE?
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soft searches & credit searches?
Does anybody know which lenders do soft credit searches for an AIP?? Failing that, how many searches on your credit file before you begin to look desperate/or its damaging?
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Better deal?
Assume there are two mortgages available to me with the same provider. All fees and so on are identical, except: One has a 2 year fixed rate of 4.79%, and arrangement fee of £2k The other has a 2 year fixed rate of 5.11% and a fee of £1k On the basis of a £225k loan, which is better? Sorry, my brain is buzzing and I can't…
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Foreign mortgage
My current mortgage deal ends soon so will be looking for something new. Is it possible to have a mortgage from a foreign bank on a house located in England.
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IFA fees
My current mortgage deal is coming to an end and I arranged an initial chat with a local IFA for advice on a new deal... ...basically he mentioned, and printed in his 'Key Facts' documentation is a fee statement explaining 'a fee of up to 1.95% of the mortgage loan required when your mortgae advance completes' Although it…
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Repossession advice please
I am in the process of having my house repossessed through no fault of my own. I am a former professional sportsman, and I unfortunately had to retire from my chosen sport in 2005 due to a serious neck injury sustained in contact. I have since been struggling to make the repayments on my property which is fully mortgaged…
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How long for mortgage offer?
Hi, just a quick one. Our valuation survey was done last friday (13th). How long does it usually take to get the mortgage offer out, if all was ok? DO we get the valuation report with the mortgage offer? Sorry, FTB and no idea of timescales. When you don't know when things are supposed to happen, it's hard to know if you…
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Nationwide and deposits
Just a quick question. Have AIP with Nationwide and just (fingers crossed) got the house we want. So hopefully in the next couple of days will be filling in the rest of the mortgage application. Just wondered what documentation they may need, and do we need to give proof of deposit (will be 5%). Think we have most of it at…
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Transfer of Equity - does anyone know a cheap solicitor
I originally asked about this a couple of days ago - JoeK kindly replied that he thought it could get done for apx £150. Unfortunately everyone I am ringing is saying £300-£400, we can't really afford this because we are already being charged for changing the mortgage deal. I know it costs just £80 plus vat for a joint…
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Remortgaging questions
Hi all Have a fixed rate tracker deal coming to an end in the coming months, and looking to change our deal. Obviously, will look around various places, but will use existing lender as the starting point - Halifax in this case. They'll tell us as we go along what we need to do, but just wondered from anyone who'd changed…
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Multi-currency mortgages
Has anybody got any experience of this. Most sites delacre these products to be tools for the rich(already), yet currency triage is a well understood and practiced science. John
