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re mortgage
hi our mortgage finishes in 4 yrs we need some extra cash to pay off debts and diy on the house we need to borrow quite a lot and being indebt my husband does not know my credit rating is not very good. i dont think we would be able to get a further advance with the halifax but would it pay us to remorgage and extend the…
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Fixed Rate Tie In
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Mortgage question help.
Hi all, first post here. I want to buy my first house. After speaking to a broker it looks like I am going to need slightly more for my deposit for the house I have put an offer on. I was going to borrow this from a 0% credit card then pay it back afterwards. My question is this what order would this happen? Would I apply…
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cemap module 3 paper
hi, would any one happen to have the cemap module 3 specimen B exam paper?? extremely grateful if you could please send through e-mail. thank you.:j
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Need advice re: complaining about EA and mortgage advisor.
Sorry this is posted twice (in the house selling thread too). Wasn't sure where it should be. It's a very long story but if you can help, please take the time to read and advise us, I'm so upset by this! My sister and I are selling my late mothers house, vacant possession, and we put it up for sale with a local estate…
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1st Time Buyer (another one)..
hi, i am at the very start of a long road of buying my first place. i've been to see a broker recently (a family friend), although i dont believe he is whole of market. i currently earn £31000 a year (approx 1800 month), with no debts at all, live with my dad and only pay out around £100 a month for gym, phone etc. i…
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variable rate
hi all, wondering if anyone can help me. Do i need to pay any redemption fees if I am on a variable rate mortgage now as I wish to shop around and look at other companies. thanks for reading
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Remortgage Advice Please
Hi guys Have a mortgage with Abbey at the moment - fixed rate of 4.84 which runs out next month. So looking to get a better deal rather than the standard variable. Been told it will jump £210 :eek: Anyway been given some figures by friends friend who is a broker and the best they came back with was 5.14% Free valuation,…
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Advice needed on a rotten Financial Advisor
Hi, I'm looking for some advice - basically I renewed my mortgage with the Halifax but doing it through an Independent Financial Advisor, it was a simple Product Transfer and a Further Advance. I had my Mortgage Offer so I thought everything was sorted out until it came to the day my Direct Debit for my mortgage came out.…
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Endowment Advice please!!
My mum wants to surrender her Norwich Union endowment policy. She managed to get compensation on the policy as she has a shortfall. She was only entitled to half the compensation as the policy is in joint names and her ex is not contactable (he did a runner 5 years ago leaving my mum with lots of debt and the mortage to…
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help finding a broker/fixed mortgage deal
Hi Well no recommendations from family and friends as most never used one. Got a number of a fee free whole market broker in Carlton Notts. Is this what i should be looking for? I know Brittania dont deal with brokers and just got a DIP from them on their 5.24% 5 yr fixed rate deal (fees cost about £700 incl survey). Is…
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First time mortgage?
If anyone could help me out re a few mortgage questions I'd be really gratefull. I'm looking into buying my first property ( I currently rent) and am wondering how lenders calculate the loan amount. Do they still use the 3 X salary? I've heard that a few now calculate on affordability rather than salary. I work part time…
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Advice appreciated for increasing mortgage size !
Hey everyone. Posting this here as I'm sourcing info from friends and family and also want as many varied and serious opinions as possible. I'm currently in a nice little flat and have started to consider moving up to a 2/3 bed house. Having seen a nice one today I'm wondering - My current mortgage is 158k. I'm guessing…
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Remortgage direction needed
Hi everyone, I am currently looking to remortgage my house: Value 105-110k Outstanding 56k extraborrowing 20-24k (to repay high interest secure loan 17k, bank loan 4k, + odd cred card debt) after losing my job about 2 years ago and just about managing to hold on to my house i am slowly working back up the income ladder. i…
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Newcastle Building Society
Hi, I'm an existing customer with the Newcastle (previously Universal), we've accepted an offer on our property and had an offer accepted on a new one, basically we're borrowing approx 60% for the new property. Newcastle are really dragging their heels and seem to be treating us as if we are new customers, a mortgage adv…
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Cheapest 2 year Fixed rate
Hi there. I know the bare minimum about mortgages and have been completely bamboozled by all the different rates, fees etc... Currently with Halifax Put Simply We want to borrow : 150k (to include 16k for debt consolidation) House Value : 320k Term 14 years Gross Joint Income 60k We want a 2 year fixed rate tied in for 2…
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Comments on ease of getting a mortgage
We're looking at buying a shared ownership house. Total price of the house £120k, with our share being £60k. We're also going to be putting a deposit of £26k down. My partner is thinking about going for the mortgage on his own and I have concerns that we may have problems. We've only been in the area since January. The…
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Cost of Increasing My Nationwide Mortgage?
Hey Guys, I currently owe 150k on my Nationwide mortgage fixed at 4.59% until Jan 08. I am purchasing a new house and require an additional 100k on the mortgage at 5.18% starting in June. It appears the only options I have are to a) start the new section of the mortgage in June, paying the setup fee, then renew the 150k…
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Mortgage Advice
Should I over pay my mortgage or invest the difference in ISAs and other high interest accounts? Then in 15 or so years use the savings to move up the property ladder. The alternative is pay off as much as possible as early as possible then remortgage to the value to the house I would like to live in when I retire from the…
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What are my chances of getting a mortgage?????
Hi everyone I am 30 years old and am living with my mum. Im hoping to be able to buy a place of my own even a small one bed flat. I have one problem. Im worried about being turned down for a mortgage. I earn just over £20000 a year and have debts (credit cards/loan) of £18000. I would need a 100% mortgage. Whats my chances…
