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how do i get a charge removed from my property?
Hi, Can anyone help me with removing a charge on my property? I signed as security for a loan for my ex partners business which was secured against my property (jointly and severally with his business partner). I have now separated form my partner and despite his promises to move the charge over to his new property I still…
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ING Direct (again!)
Did you notice in the Sunday paper today the ad for the ING Direct mortgage? Funny thing - they didn't state the interest rate, so I think that their rate will be increasing (from 5.39%) very shortly! I have a mortgage with them, so I shall be watching closely...
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Shortfall on my endowments - help needed if possible.
Had a chat on another thread last night (about feeling panicky) and one of the suggestions was to get help sorting out my endowment. I've got all the info I think I need - the only thing was I was going to try to read all the info on my own to see if I could sort it out myself but at the 1st step I've come across that you…
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how much money do you have leftover each month?
Hi all, We are about to embark on this house buying lark (well, maisonette in our case!) and after having done some figures, worked out how much we will have left over each month once we have paid all the bills. Between the two of us we will have £900 a month left, but most of that will be from my OH's salary as he earns…
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help pls for mis-sold endowment
hi, I'm new to all this and after some advice, I contacted Phoenix Life who have taken over Brittanic Assurance (policy was with Brittanic). I made a complaint for mis-selling my endowment which was taken out in 92 (which I surrendered back to them in 2005) I had to fill in a questionaire. I then got a letter back saying…
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will i get a new mortgage?
hello everyone, i'm after some help, i currently have a mortgage with the woolwich, and the fixed rate ends in september. i will have about £72k left to pay when the fixed rate ends. trouble is my circumstances have changed somewhat: the mortgage was based on me and my partners joint salary of around £31k. wehave now had a…
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Shared Ownership: A Good Idea?
If you are unable to buy a property outright on the open market, then shared ownership is the ideal solution for you. Shared Ownership is a part buy, part rent scheme, which enables purchasers to buy a home in stages. Purchasers can buy an initial share between 25% and 75% of the value of the property and pay a subsidised…
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I'm still on the mortgage and i dont even live there!!!
Hi everyone This is my first "new thread" so i hope ive put it in the right place! I have been divorced for 4 years. As part of the divorce agreement, my ex-husband and i signed a form to request that my name be removed from our mortgage, as i no longer lived there nor wanted to. My ex-husband lost the form, so i am still…
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First Time Buyer - 5 1/2 Times Salary
Hi there, I live in Coventry and have finally found a house to purchase which was (i'm thinking!) within my price range. However I'm very concerned about the mortgage repayments and the interest rate rises. I have had a mortgage accepted with HSBC for £111,000 over 30 years on a fixed rate of 5.79%. Application has been…
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Repayment or interest only?
Hi, About to take the plunge and apply for a mortgage, but am not sure whether to go for a repayment or interest only. I plan to keep the house for anywhere between 2 and 5 years, but unlikely to be more than that. I remember hearing in the past, that repayment mortgages pay of the interest initially, before you start…
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help first time buyer!
hi within 6 weeks hopefully i should have my 1st house. i'm buying it from a friend a friend for £60,000 (1 bedroom flat) My question is basically im clueless on what mortgages/deals are around can anyone recommend anyone for a first time buyer? Is there anything i should beware off/know? Are there any banks etc who would…
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shared ownership mortgage
We are currently renting but have seen a property that is for sale with a housing assoc. you buy 50% and then rent the other 50% from the housing assoc. Just wondering are we consider as ftb ( previously had a property, sold now renting), and do we only have a limited choice from whom to get the mortgage from? Any advise…
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Buy To Let Mortgage
Hi, I wonder how I can do this >>> I am a home owner and wish to buy a flat. Two reasons for this, the main one is as a long term investment with some rental return. The second is somewhere for my kids to live when at university ~ 5 years time. It has three double bedrooms so possible flat share etc. I'm not too bothered…
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What mortgage would you pick?
We were debating this at work this week and I wondered what others thought. If you had to get a new mortgage now and the deal was for at least 2 years - what would you be looking for?
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Divorcee Mortgages
I wonder if anyone can help me. I need to find out if there are any lenders out there who do Divorcee Mortgages where they take into account your wage but also maintenance payments, tax credits and so on. Am going through a divorce at the moment and need to re-mortgage. Any advice welcome.
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End of fixed deal - circumstances changed
Hello, This is my first post on here ever, so I hope I include all the correct information. I hope someone can help us. My husband and I will come to the end of a 3 year fixed rate mortgage with Abbey in November. The rate is 5.8%, and our original mortgage was for £139k. It isn't the best rate around, but at the time we…
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How to work out payments?
Hi all, The purchase price of the flat we had an offer accepted on is £207, 500. We have 5% deposit. Our AIP with the abbey was for £240k max, and then if we found somewhere with a lower purchase price we would look at other deals. How do we work out what our payments will be with a rough interest rate of 5.5%? Sorry i…
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Self Cert - Income Verification
Myself and my wife have just applied for a Self Cert mortgage through Northern Rock with a 15% deposit. This will make our mortgage amount around £260000. Northern Rock have asked for a reference from our accountant, we are a both self employed. To our amazement NR have asked for 3 years accounts Gross and Net figures.…
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What is the best way to do this or is it impossible?
Hi Sometime ago OH and I got into difficulties. We had remortgaged paid off ccs etc, for hubby to be made redundant a month later. Ended up in big debt as we foolishly used clean credit cards to live on as we had no other real option. Anyway debts are now in a DMP with CCCS. £21k, paying £232pm, aprx 7 years til cleared.…
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No one will give us mortgage!
I have house with mortgage here in UK but would like to buy a holiday home for investment in Cyprus. Problem is my husband and myself are both self-employed and what I earn isn't worth considering anyway .We have mortgage of 70k and need to raise another 100k, and was thinking of equity release, banks will not give us…
