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£75k flat on £18k salary?
Hello all, I am in need of opinions. I like the people and varied advice on here, so if anyone can please help that would be super. I am a FTB, and I have pretty much fixed my aims on getting a flat. As I am on my own and I want some flexibility in the future (I may take a year out and would like to be able to rent the…
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Can you do a buy-to-let to release the money out of your house?
As the title says, we want to put ourselves in a better position for moving house. Can we change our mortgage to buy to let and still take out another mortgage on the new property?
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Re-mortgage query
Hi there, wondered if I can get some advice! I currently have a mortgage with Natwest though when I moved last October, I ported my current mortgage across (which was 50% interest-only basis and 50% capital) but had to take out an additional amount on my mortgage of circa £40k so therefore changed the entire amount to…
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awd finance
has anyone heard of this company, or had dealing 's with them.
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mortgage co say charges are not illegal yet!
Our old mortgage co charged us £50 per month for 20 months for arrears. We have complained through the ombudsman. My oh spoke to mortgage co yesterday and they are offering us £65 back out of the £1000! :rotfl: We were also charged £190 mortgage exit fee and they are offering us £50 of this back. Does anyone know if they…
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mortgage with 1 default
we are trying to buy a house for 87k on selling the car for 5k so we can put that down but my partner has 1 default for £150 can any1 please help me and tell me sum of the places that might give him a mortgage? we have an adviser cuming 2night but i wanted to have a look myself so we no what to espect.
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5 Times Mortgage
As a potential FTB I feel I need to make the plunge and finally leave the comfort of living with the parents! Looking at how high house prices are in this area I would need to be forking out around £100k (for which I would be getting a 1 bed place in an extemely undesirable area but beggars cant be choosers!). This would…
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Offset v Non, interest only, simple calculator and good deals
Hi all. I have used this site for a few years now and it has helped me with no end of things, from switching utilities to finding pet insurance. And all variants in between! So thanks. I have had an IF offset mortgage for 6 years or so now. I remortgaged nearly 2 yrs ago to a discount deal (currently 5.89%), however this…
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Mortgage Question Help!!! Something Silly Am Sure
Could Anyone Give Me Advice. Do I Have Anything To Worry About I Have Just Had My Mortgage Underwritten Which Is Good News! But They Wanted A Couple Of Finals Pieces Of Bits One Was Proof That I Kept Up With My Payments But I Missed One Month Last Year In April But Payed 2 Months Rent In May, Will This Affect Me Or Should…
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Worrying over nothing???
Hi, Newbie here! Looking to get a mortgage real soon to get my foot on the property ladder real soon. Recently applied for a barclaycard to get the most of their 0% balance transfer rate to swap over a balance from another card, my application was rejected. Logged onto creditexpert and had a check of my credit report…
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query re endowment
Having studied the boards related to endowment misselling I have recently put in a claim against Abbey national. Endowment was sold through Royal Life- and arranged through the Abbey national at the same office. Have recently read that claims are unlikey to be successful before April 1987- the endowment in question started…
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Can any mortgage advisors help me??
I am looking to get a mortgage and have no idea where to start... Can i give a bit of backround then perhaps and advisor may be able to offer some advice? Married couple Wife owns a property with a friend, currently on a BTL mortgage for approx £150,000. Property is worth about £220000 wife bought a cottage in Jan 06 for…
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fixed rate ending and partner has adverse credit - help!
our fixed rate is coming to an end in October (yes I am trying to be organised!) since taking our mortgage out my partner has had to approach to CCCS to pay of his debt. This is all sorted and he is paying a fixed amount each month. We have never missed a mortgage payment so our history with Nationwide is very good (been…
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please help, can they make us pay this
We moved into our house a year ago and have been paying regular mortgage payments.We received a letter this week from building society to say they have made a mistake in the collection of our monthly repayment to say that our insurance premium has not been incorporated into our monthly repayment for the last year. They say…
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Names on deeds/Mortgage
Hi I have today been speaking to L&C about a mortgage for myself, I need £50K on an £83k property. My partner is putting the rest in in cash, plus £20k for work needed on the house. I want to take the mortgage out in my name, he's self employed, no certified books etc, and have both our names on the deeds, but I have been…
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remortgaging whats involved ie legal fees
this may seem like a simple question but i have not remortgaged before. i want to know is there any legal fees involved, do i just apply to a new lender and when accepted they pay off my old lender and the title deeds are sent to my new lender? i am with abbey and my current tracker expires on the 4th april its set at +…
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Transfer of Title
Do you know if you transfer title of a tenated house to your spouse whether or not the mortgage has to be paid off? I have been led to believe that it does. Thanks
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when will my mortgage offer be completed?
I have received a mortgaeg offer from first national. I am a first time buyer and am purchasing a property, we already had an agreement in principle and our offer was accepted on 19th feb. all then went quiet on the mortgage offer front and to cut a long story short i ended up having to take over from the broker chasing…
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Clever people's opinions please
OK so... just over a year ago i bought a house alone for 99,000 on a fixed rate at 4.69% for two years which expires on 01/01/2008. I'm now selling this house and buying a new one for which i need a mortgage of 155,000, i think i have two(or three) choices. 1. i leave the 99,000 on the fixed rate till Jan and take out the…
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another mortgage question
I have a mortgage with northern rock still has 23 years to run my property is valued at 68000 my mortgage is 52,088 secured and unsecured of 10,091 I earn 25,900 before tax and NI what i am looking to find out is if i could apply for another mortgage with my partner, she earns 11750 before tax and NI on a property valued…
