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Can we change solicitor after application
Hi, We're submitting our mortgage application with the Abbey today. IFA rang to ask for details of solicitor we're going to use, but we haven't decided yet as we're waiting on a quote. On'y had offer accepted on saturday an dwasn't expecting to find somewhere so fast. He said he couldn't submit the application without the…
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Time between buying and re-selling
I'm currently looking at a very cheap flat near where I live that I'm sure I could buy and sell very quickly for a small profit. Is there a period of time that must expire between buying the flat and re-selling it, or can I sell it on right away? Thanks for any advice.
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No way out?
Myself and partner (Now Ex) took out a mortgage in May last year on our first house together (Great foresight I know) I am now seemingly stuck in a no way out situation. She wants to leave and I also would like her to leave but now we are financially glued together and it seems the only ways out cost a fortune. It was…
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mortgage misery
We would very much appreciate any advice with our mortgage dilemma. to summarise, my husband is 3 years self employed, no accountant but all income on bank statements. we are renting from a housing assocation and have the Right to Acquire. I have 1 CCJ going back to 2003, (water, registered in 1999, which we're paying off…
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To save or pay money off my mortgage?
I bought my house last February, I have a fixed for 5 year rate with Bristol and West, I had to put down a 25 percent deposit to get a self certified mortgage.....I don't earn much, but was getting money from the sale of a previous house. My fixed rate is 4.75 I have £40,000 in A\L direct saver account, my wages and…
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mortgage help required please
My girlfriend is wanting to get a mortgage soon, she is looking to borrow 65,000 for a property valued at around 90,000. Her gross income is 11,750 per annum She also gets various tax credits She is looking for a lender who would offer 100% Is there anyone around who could help her?
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fixed or tracker
My fixed rate runs out at the end of June (nationwide 5.19% 2yr). Are there any good 2 or 3yr fixed rates out there? Or should I go for tracker? I have heard that the BOE rate is likely to up and then down before the end of the year. nationwide tracker is 5.22% so tracks at 0.03% below the BOE rate (£599 fee but only £399…
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Mortgage Protection - query!
I am a first time buyer and now am looking at the insurance side of things. It seems that there are three types of insurance that I may need! (correct me if im wrong!) There is life insurance, mortgage protection and accident and sickness cover. (once again correct me if im wrong - im new to all of this and its a bit of a…
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Need a good IFA / broker in Hull area.....
Hello all, I'm a first time buyer (queue the long line of people rubbing there hands);) I'm looking for a decent, free to me, Mortgage advisor in the Hull area ??!! anyone know of one ?
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2yr Fixed Mortgage
Hi my sisters looking for a fixed 2 year mortgage and the best she has found is 5.39%. Is there anyone who can beat that?
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I want a mortgage but have a ccj?
I found out last week that i had a ccj to my name, it was for university fees and was dated 8/1/04. What are the chances of me and my girlfriend (who has excellent credit) getting a Halifax firsts time buyers mortgage
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Morgage fees.
I have gone thro the buying and selling process and am about to exchange, on Thursday i rang my solicitor about my redemption fee from my previous morgage, I am not moving Morgage Company, and have taken out a new morgage with the same company, I was informed that i have been charged interst amounting to 700 + plus the…
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Facing unemployment- how will I pay my mortgage?
I work on short term, annually renewable contracts and the one I am working on at the moment was due to finish in July but has now been extended until Dec. The funding seems to be drying up for these projects and the team I work in are being disbanded. I live alone now and my money is the only source of income. I am…
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Endowments: Sell or Keep?
Hi everyone, We have two endowments - a 20 year one that's half way through its term (current value £8.5k, payments £80 a month, target amount £28k, predicted amount at maturity £28k) and one that's 4 years from maturity, out of a 25 year term (current value £15k, payments £30 a month, target amount £23k, projected amount…
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remortgage question
Hi, My two year tracker mortgage will end within two months and I am starting to look for new deals. Currently I am with Halifax. The question is that even if I can find a better deal with another bank or building society, I will have to pay some hidden fees (I am not talking about arrangement fees, instead I mean things…
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Advice Please - Offer to settle early repayment issue
Hello all I am after some advise please... I recently moved home and increased my mortgage by £100k. Following discussions with a number of Northern Rock staff I chose to pay an Early Redemption Fee in the knowledge that I would recieve 50% of it back. Following completion NR then dug their heals in and stated that I…
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The Open Market HomeBuy Scheme
My daughter has read about 'The Open Market HomeBuy Scheme' and has asked me to find out more about it - to be honest I am totally confused at what it is offering, he web site suggests contact an agent - but I would like to find out some facts about the scheme first, as it is reported that very few have actually taken up…
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Please HELP!!
Hi all my fiancee and bought a house approx one year ago together at the time we had both been in full time permanant employment. I am now self employed have been for 6mths have no accounts as working tax free in another country. The relationship has broken down and i would like to keep the house and have my ex partners…
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Help to find Mortgage
I am buying a reprosessed house but all i get offered mortgage wise by advisers and agents in house advisors are huge fees linked to mortgage? Im self employed and want to borrow 40% of the total house value.Our offer has been accepted but i have held them off till now as these mortgages with £1000 fees!:confused: They…
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Surrendering a zombie endowment policy
My husband and I bought a property in 1993 with an edowment mortgage. We have since sold the property and repaid the loan. We now live overseas. We continued paying premiums into the endowment, in order to keep the life insurance and get some benefit on maturity. Unfortunately, this endowment policy was with Sun Alliance.…
