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Interest charges
Hope someone will be able to help! We recently remortaged with TMB and they were supposed to transfer the money into our account. Because their systems were down they sent us a cheque. By the time we could draw on the cheque 8 days had lapsed. They want interest from the day they issued the cheque but I am refusing to pay…
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buy 1
looking to buy another house need to borrow 110000 by using equity from main house as guarantee ,hope to sell on within 4/6 months.IS IT BEST TO TAKE OUT AN ADDITIONAL MORTGAGE or have heard of a type of flexible where by along side the main mortgage there is a facility to borrow an agreed sum of money at svr any advice…
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Mortgage for a Concrete Construction Property?
Is it possible to get a mainstream mortgage on a ‘Wimpey No Fines’ concrete constructed property? :confused: Many Thanks
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Incorporate any debt into mortgage
Is it possible to get a mortgage and incorporate any debt you have into the mortgage?
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Help please - I dont understand?
Hello, I hope someone can help me with some advice on my mortgage. I have tried to give as much info as I can : I have a 2 year fixed rate with the Woolwich for £123,000 which is due to end January 2008. We would now like to move in the next 3 months to a more expensive house - should make about £25,000 on this house and…
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100% mortgages for Graduates
Hi, I'm leaving Uni this year to get a decent job I hope. But I have just noticed my bank (HSBC) as part of its "Graduates account" offer a Mortgage for 100% of the value of the house or whatever you pay for it ( whichever is lower). This offer runs for 5 years after I graduate. Other than probably having insanely high…
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Estate Agents and Mortgages
I've been reading here that estate agents are not the best place to get a mortgage. The reason that I ask is that I've been referred to the mortgage adviser of the estate agent that is selling the house and have read in a previous thread that they can pass on information to each other. Any thoughts on the matter? MM
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Mortgage Networks: If only .....
Could mortgage networks do more to help the mortgage adviser? With the Financial Services Authority now regulating the mortgage industry, there has never been a greater need for help and guidance through the mortgage compliance maze. But compliance is not the only area of need for the individual who wants to become a…
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Mortgage question
Hi, Sums rounded up or down for ease. Scenario: I have a £88k mortgage fixed for 10 years (it is portabe). Sell my house £200k Buy another house for £150k Could someone explain what will happen to the equity? Many thanks
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is it fraud ?
i know a friend who is bankcrupt , and about to lose her house also , she has changed her name and using her business has created some history for herself and has obtained a mortgage in principal on another house and land, is this achievable , she intends to sell some surrounding land on the new property and default on the…
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can't anything be done about wardlaw?
I find most of the advisers on here exceedingly helpful. If I wanted any services I'd contact them myself. Yet still I receive PMs from wardlaw touting... is this allowed??
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Please help as I have no idea what I need
Hello all and thanks in advance to anyone who is lovely enough to help. I am looking to move house. I own a very run down but large one bedroom house worth in the region of £90 -£95000 and only have £10000 left to pay on this property. We are looking at a property we wish to buy that is £115000 and therefore is affordable…
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adverse credit
ive noticed that some lenders class 4 secured lending missed payments within last 12 months as medium pirime and others as light, why is this? also ive noticed that the maximum ltv adverse credit can get is 90% in my case while in cases of heavy adverse the max is about 80% is this the general rule?
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mortgage and credit check
Hi guys, does anyone know how many credit checks a bank makes on your file when you apply for a mortgage as i have been told that the more checks that are made on your file gives you a bad credit rating. For example if i applied for a mortgage would the bank just make the one credit check and then make a judgement and send…
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A little help for a FTB?
Hi, I really need some advice. Basically my partner and I have seen a flat which we would like to put an offer in for. It is on the market for £132,500 and we would like to offer £120,000 initially with our maximum offer being £125,000. The flat itself is structurally sound but in need of modernisation (lovely old dark…
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Whole of the market, fee free brokers
Hi, Does anyone know of a whole of the market, fee free mortgage broker in Southampton? I have looked in the yellow pages but none of them state obviously either of the above. Is it just a case of me phoning around and asking them outright? Thanks!!!
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interst only mortage best way to start paying some off or saving to pay off?
Hi we have a mortgage of £107,000 in total, made up of £97,000 from when we purchased (in 2001) and £10,000 we took out extra, a year ago, for home improvements. The 10,000 segment is a repayment mortgage however the £97,000 is interest only and we have nothing in place to pay it off. The reason for this being that 3 years…
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Am I too late to complain about our Endowment?
I have just ignored our endowment really, I know that is really stupid but I didn't really realise that we could do anything about it. I have just pulled as much paper work out as I can find and it is with the Friends Provident. We took it out in Sept 1992 and its in two parts (can't remember why, maybe to cover the extra…
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Flexible Mortgage
I wonder if anyone can advise me about re-mortgaging, the current fixed deal on my mortgage ends 1st August 2007. The monthly payment will go up nearly £200 if I don't change it. I'm currently with Northern Rock and they've offered me 5.29% fixed for 2 years but the fees are extortionate Product fee £1995 and Mortgage…
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Taken new mortgage, got house deeds from old company - what to do?
I’ve just changed my mortgage from the One Account to a Barclays offset mortgage – it’s a bit cheaper percentage wise and I can offset my ISA savings. Unfortunately things have not gone smoothly and I’ve had to write several letters to try and get things sorted (which is happening – although slowly). Anyway, I got a…
