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mortgage charges
my mortgage is due to be paid on the 22nd of each month i have asked them to change it to the 30th of the month due to my and my husband pay day the advised us that we need to pay £99.00 to change the date due to interest we would occur from the difference in the date and if the payment is late we occur a £40.00 charge…
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Remortaging away from Woolwich open plan - Do i get to keep my account??
I am not sure if this is the right place for this question, but i currently have a Woolwich open plan motgage & associated account. I am remortgaging and it will go through this week. Does anyone here know if the bank account element stays open as i have received different opinions and it is starting to stress me out. The…
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Mechanics of an Interest Only Mortgage
Hi guys, I was discussing our remortgage with my partner and we were wondering about the following use of an IO mortgage. We're currently on a repayment mortgage and very comfortable with it. We're considering changing to IO, but continuing to pay a capital repayment. Do these mortgages typically have a % restriction on…
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I can't find thread Unsuccess mtge penalty
A friend said she found a thread where someone went to small claims court to reclaim mortgage redemption penalty and the case was lost.....AND the person had to pay a lot of costs..... I am about to start my claim and would like to read this thread can anyone help I am working to deadline my 6 years is up in September.
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Actual intrest paid on monthy payment..
Borrowing £48,000 over 15yrs..with a fixed rate of 5.990% for the first 5yrs..& my monthly payments for the first 5yrs being £402.91..Can anyone tell me how much per month i'm actually paying towards the Bricks/Mortar? and how much per month is just intrest on the Loan? It's a Repayment Mortgage. Any Info would be Great…
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Remortgage/Equity Release/Purchase
Currently living in a house with a value of around £165000. I earn around £27000, and OH around £23000 p/t last year. Our mortgage is about 50k. We are looking at purchasing a renovation property with OH's parents, and need to release around £100000 from existing property to finance this. We would then let existing…
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Changing BTL Mortgage to a Residential
I bought a property as a rental investment about 4yrs ago & due to personal reasons am now living in it. I would like to change the mortgage to a residential mortgage (Isold my residential home 2yrs ago) one. My mortgage is with HBOS. Someone advised me that if I have 3mths payslips then that should be no problem. Can…
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Partner becoming a student
Hi All My girlfriend is about to become a student again for a year to do an MSc. Our mortgage is due for renew in October for the first time (£117000ish) will this have an effect on the mortgage? I earn enough to cover the mortgage as a whole, but will they cover the both of us?
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100% mortage, no deposit.
Myself and my girlfriend are looking at buying a house, i currently earn, £20100 and she earns £8900 a year. We went to lloyds tsb and they said we could get a mortage for £117,000 on a fixed step mortage or £125,000 on a fixed rate mortage. These are both on a 30 year repayment The rates for the £117,000 mortage without…
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Terminal bonuses: still going down
According to the latest Money Management endowment survey
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help with mortgage deal now all the cheap fixed deals are going..
trying to cut a long story short, our house went on the market in January and FTB put offer in and we accepted, they pulled out two weeks ago due to a planning application on nearby house which was going to be converted into 7 flats, the planning application was turned down. we put house back on market, in two days had a n…
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Mortgage on a PhD stipend
heya, I am a right tightwad, spend most of my time playing sports (always shower at sports centre) or in my office or library (so no television, broadband telephone etc needed). In addition I am exempt from council tax. I basically just need a roof over my head in a quiet area with somewhere to store my mountainbike, grow…
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Northern rock together mortgage additional borrowing question
Anyone know what sort of multipliers NR use? Me and the misses are looking to move but I'm wondering what additional borrowing we can get off NR, if I knew the multipliers they use obviously I could work it out. Can anyone help please?
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Self employed and want a new mortgage
Hi everyone I need some advice... I own a property worth £155 and I'm looking to buy a property for £175 and sell mine. I've been self employed for two months and have now been refused a mortgage to buy this as I need to have at least two years of accounts to show Nationwide.. My dad is my garantor but his income alone…
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Left With no Card, Cancelled dd's
Hi Guys And Gals ;) Cant believe what has happened today, The Woolwich has cancelled my card and dd's as I have mortgage arrears as I have broke a couple of arrangements. They say the only way I can draw money out from my account is to go into the branch they open 9-5 I work 8-5 the branch is in town I dont work in town.…
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Best options moving forward?
With interest rates set to rise and my two year deal coming to an end with Nationwide I'm interested in looking at alternatives. My details are as follows. Age - 22 Salary - 35k Mortgage - 160k Property Value - 210k Term outstanding - 23yrs Rent from second room - 450/month Right now I am on a guaranteur mortgage with my…
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remortgage - stay or switch lender?
Hi everyone I'm at the end of a 5year deal with the Skipton BS and owe aprox 41.5K on the mortgage. Want to pay it off within 4 years - they've offered me a 4year fixed rate of 5.84% within a 5 year term at £786 p/m but can overpay to get it down to 4 years or a bit less hopefully. There's no fees with this and it seems…
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Mortgage issue with lender
In 2001 I changed from a PEPS repayment mortgage to a repayment mortgage (as I thought) I also paid off a % of the initial loan at that time. Recently I have just discovered that the Building society have placed me on an interest only repayment basis since my initial request in 2001. I have been in to my branch on 4…
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How to buy out partner
How do I remortgage?
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gmac mortgage
Hi i have an iva 12 months left to run and have found out that i have to pay back money owed after 5 years i am thinking or remortgaging and offering a reduced settlement to creditors i was never informed this at the time , what is a good mortgage to go for £74,000 oustanding on 16 years thanks paul what would be the fees…
