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2 Mortgage offers then declined!
Hi I wonder if anyone has advice for me as to what i can do? I have been in the process of buying a shared ownership house (75%/25%)since January. I have been living in temporary accomodation since then (as a lodger), which was only until 18th of May! (Plenty of time you would think?!) I went through a mortgage advisor and…
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Switch from repayment to interest only??
My IFA has advised me to switch from repayment to interst only to free some money to help clear a credit card debt. I have been advised that I will still have my fixed rate period and it cost £10 to do so. :beer:
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Nationwide mortgage
Hi all, I was wondering if anyone has had any experience with Nationwide regarding buying a new home and transferring the mortgage over..? I've tried to do this but I haven't got 2 years accounts to show them as i'm now self employed. Is there any way I can still get this mortgage transferred over to my new house?? Thanks
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Mortgage advice
Can anyone advise me. We have a shoebox of a house worth approx we think £130K. Our mortgage balance is approx 50k and we have a secured loan for 45k. Our income is 12.k for hubbie, without overtime. 9k for myself, again without overtime. We desparately need the extra space and have been looking at the property pages.…
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Payslip dilemma...please help
Hey everyone! I need to provide either 1 months pay slip or a contract to my mortgage provider. I have recently started a new job…so don’t get a payslip until the 28th but received my contract today. Unexpectedly it states that that I am on a 2 year fixed term contact. Do mortgage providers look down on fixed term contacts…
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Offset Mortgages
Is it possible to get an offset mortgage on a buy to let property for example:- If I have a buy to let property and I make a small profit on the rent each month can I put this into a current account of an offset mortgage and bring the repayments down as well as the total number of years?
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dunfermline bs
anyone able to tell me about charges for remorgating with dunfermline as i have been with them for 10 years when my fixed rate is coming to an end i stay with them but i opt for another fixed rate so they charge me about £250 for the privilage which they put on to my mortgage.
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Moving their criteria
Basically put flat on market 28th march and went to see friendly lady at HSBC (whom i cutrrentyl have my mrotgage with) Based on my salary she said they would be willing to lend 158K however they would probably go up as far as 165K on an 95% mortgage I have now found a place i like on market for £169950. Think i could get…
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Is this IFA feeding me lies?
Hi, I've just been on the phone to an Independent mortgage adviser, and I got the impression that the person I was talking to was not being totally honest with me. We started talking about fees and what the term "Independent" means. The IFA told me that they charge a fee of £199, but mumbled about some "other fees" that…
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Should I move on?
Hi, Back in April it was obvious that interest rates were going to go up so I decided to remortgage as a consolidation process. After checking available rates I did an online application with HSBC (partly because they were offering fee free for April). I got an AIP online and keyfacts document (but with no individual…
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Paying off Mortgage with Abbey
As we are getting nowhere with the Abbey in relation to letting our house to the council who then wish to sub-let I today phoned them to enquire about paying off the mortgage and was told they require £225 for "administrative charges". Seems a bit steep to me, I was expecting maybe £100 or so.
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New to the UK -> poor credit score: can I have a mortgage?
Hello there, I'm thinking of buying a house with my boyfriend but have been in the UK for only 1,5 year. So I have a relatively poor credit score. Good for my credit score: - I opened a bank account in February 2006 (had a basic a/c with cash card for 1 year) - Applied to the electoral roll in July 2005 - Took a mobile…
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Just Been Refused A Mortgage By Alliance And Leicster
We Have Just Been Refused A Mortgage By Alliance And Leicster, I Believe This Is Due To A Loan Account On My Credit Score, We Are Considering Looking At Asking Our Current Mortgage Lender Abbey To Remortgage Us, Does Anyone Have Any Tip On Anyone Else We Could Ask Or How You Can Improve Your Credit Rating Please Help!!!
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How do I calcualte capital repayments against the interest?
Hi, I am trying to pay off my mortgage asap and want to set up a spreadsheet to show how much we owe. I know that at the beginning of the mortgage the interest part of the repayment is larger than the capital bit but I am looking for a rough estimate of the split each month. How can I calculate this? Thanks
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HELP...near repossession...need advice!
This is my first property which I bought for 200K with a 20K deposit but interest only mortgage!!! I had to move out and rent it because I went back to uni but due to tenancy nightmares, I am seriously in arrears and have reached the court stage. Tried to sell it so got an extension on the repossession but buyer has pulled…
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Help...near repossession...need advice!
This is my first property which I bought for 200K with a 20K deposit but interest only mortgage!!! I had to move out and rent it because I went back to uni but due to tenancy nightmares, I am seriously in arrears and have reached the court stage. Tried to sell it so got an extension on the repossession but buyer has pulled…
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Advice please?
Hi there I am after some advice from some of the mortgage advisers on the board. My situation is as follows: Myself and my partner have agreed a purchase price on a new build in Northern Ireland at £280k for a turnkey package. We have between us capital of £120k. Current joint income is £47k with no outgoings/debts to pay.…
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Self Cert Remortgage?
Does anyone know, which lenders offer Self Cert deals direct? The only one I know so far, is Bristol & West. Many Thanks Colin
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Can my neighbours mortgage my house?
Sorry, having a bit of trouble knowing where to put this..... I have just opened my mail and in it is a Standard Life mortgage summary in my neighbours names but at my address. I feel sick. It was in a window envelope and only the bottom part of my address up to the house name was visible. I opened it and thought it was…
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Cashing in Endowment
Hello I have an Endowment with Standard Life (unit linked), and have just had a Red Letter from them. It has been running for 13 years, and quite frankly, I would've been better off putting my noney under my pillow!! I tried the compensation route, and got nowhere, as the IFA very cleverly sold the business, and appears to…
