-
Home Buy Schemes
I have just applied for a government home-buy scheme, which offers to lend elligible applicants 25% of the value of a property interest free by means of two 12.5% equity loans. Having read more about the scheme I found out that although "interest-free", it may not be as good as it sounds as if property prices rise, I would…
-
Joint Mortgage Nightmare!!!
Hi everyone, Firstly Im new to this so please please forgive me if I have done this wrong. I just wondered if anyone could give me any advice or even just to know that someone else had been in a similar situation as I am feeling very alone at the moment :cry: Here goes then - I have a joint mortgage with my ex. We bought…
-
Maybe a silly question? - exit fee vs finishing your mortgage
Hi, I'm with the Chelsea BS and I'm too afraid to ask them! Is the 'exit fee' (i.e. moving your mortgage to another lender) the same if you simply finish your mortgage? Chelsea charge £195 for exiting. Thanks, jedeye
-
Intentional Missed Mortgage Payment?
Hi everyone, This might sound strange but I don't want to pay my next mortgage payment and need some advice. I have a mortgage with Nationwide and am in the process of remortgaging with ING as thier rates are a lot better. The problem is the remortgage is unlikely to go through before my next payment is due (01/05) so I'm…
-
Buy to share mortgage
We are considering helping our son onto the property ladder by jointly buying a house. We have heard of the "Buy to Share" family mortgages has anyone any experience or information about these Thanks
-
Unlimited extra payments oneaccount style?
I've been reading a lot of the posts about getting a piggy bank with a speech bubble to save towards my mortgage in one of the other posts and thought it was an excellent idea. The only mortgage ive heard of that does unlimited extra payments is the Virgin OneAccount and i quite like the idea of tying up all loans and…
-
Mortgage query - In the country 4 months
Hello, I am trying to source a mortgage although I have only been in the country for 4 months. Whatever mainstream company I go to, they say that I've not been here for over 6 months and they cannot check my credit history in Ireland. Does anyone know of a mortgage company that will allow me to take out a mortgage although…
-
Re-mortgaging Q's
We currently are in a fixed rate mortgage which is due to end 02.09.07. The early redemtion penalty is too high to leave until that date. Is there anything we can do to secure a good rate with another provider now to be put in place when our fixed rate ends or do we have to wait until nearer the time??
-
Remortgaging Help!!
I don't know if this is gonna be a stupid question but here goes.... I bought my first property 18months ago and had a fixed rate interest only mortgage for 2yrs. (I had planned to change to repayment mortgage once we had got ourfeet on the ground but it never happened- however we do have savings to cover it). So when am…
-
re mortgage with bad credit history
Hi, just wondering if anyone can help. We took a mortgage out 8 years ago and over the last few years, mainly due to ill health - which isn't an issue anymore, we've fallen behind on loan and credit card payments. We're upto date on our mortgage but our credit rating is pretty poor. My hubbie has just started a new job and…
-
Mortgage Penalties
Hello everyone first time so please be gentle. The question I have is there any one who knows of a case of people getting their money back on Mortgage penalties!!!. If so how is it done?
-
Credit Card Application effect Mortgage?
Hi, I have a credit card debt of 6k which is to run out next month. Also, I have currently put in an offer for a house but have not yet secured a mortgage. I really need to apply for a new credit card to shift the debt using a cheap balance transfer, but I don't want this to affect my chances of getting the mortgage…
-
Nationwide timescales/process
I wonder if anyone can give me a rough idea on the current Nationwide timescales for processing a mortgage and the procedure. Have AIP with them and a call arranged tonight to finish off the application as we need less than the AIP. What happens next? Will they credit check again, what documents will they need. Any…
-
Buy to Let Mortgage?
Is there a Buy to Let Mortgage product, that only looks at proposed rental income? :confused: Many Thanks, Colin
-
Older lenders advice please
Hi all just looking for some advice on mortgages my parents are wanting to remortgage there house to do up the house and pay for my wedding etc There 62 and 60 my dads retired and gets a good local government pension and state pension and works as and when at the local supermarket, my mums 60 and gets a local gov pension…
-
arranement fee?
Hiya Had an email from my financial advisor saying that Halifax would be charging me a £399 arrangement fee for my mortgage. Is this normal? Do all lenders charge this? Thanks EM
-
shared ownership
which building societies offer 100% fixed rate mortgages for first time buyers who buy a shared ownership property (ie 50% share).
-
silly question....freehold or leashold?
Sorry for asking a silly question. Can someone tell me the difference? We ahve been in our house since 2000 and on our Valuation for our mortgage it stated that our Tenure was Freehold. After being in the house a few months we recieved a bill for groundrent and just paid it as it was a small amount . It is something like…
-
self cert help pls...
I own my current property outright and wish to buy a bigger property which has recently come on the market. I will need to borrow 50k in order to do this, assuming i get near the asking price of mine. I am self employed, but don't wish to have to provide any evidence of income so need a true self cert. I have no depts at…
-
lost endowment details
Would anyone be able to offer any advise in trying to trace an old endowment policy, it was taken out in 1985 and last paid in 1991 and i have no details except that it was with N/U i have spoken to them and they have tried to trace it with out any luck??
