-
1st time buyer
I'm thinking of buying a 1 bedroom place (maisonette/flat/house?) possibly a 2 bedroom if i can afford it (to rent a room out to a friend) in East London (Chingford/Woodford area). However I'm also planning (nothing set in stone) to possibly emigrate in a few years time as well. Can anyone suggest what type of mortgage…
-
How "instant" is Experian.
Hi guys I applied for the free trail of experian but its not really instant. I appllied like an hour ago but still nothing! Why is that? How long does it take? Cheers
-
mortgage refused
we have failed our credit check due to my fiance having a default on his file (which has been paid) I have a good credit rating. How can we get this default removed from the file? we're depserate to get our lovely house.
-
Can you change types of mortgages?
We are in a fixed rate mortgage for 5 years. It is part repayment and part interest only. How easy is it to change to completely repayment? Thanks
-
Possible to predict endowment policy final value?
I've come across a site - endowmentcheck.com - which claims to be able to predict accurately the terminal value of any endowment policy. Surely this is a non-starter..?
-
Bad Credit but Big Deposit
Hi, Starting the house moving process, and need some advice on mortgages before I start trying to apply. We have a bad history over the past 3-4 years - the majority of it should be on my credit record with lots of missed payments resulting in 4 defaults (2 CC, Loan and Overdraft) these are currently in the process of…
-
Mortgage advice - not yet employed.
My girlfriend and I are about to graduate. I'm hoping to be offered a place teaching in September, and my girlfriend has a contract to start work in January 2008. Once we're both in work we'll be earning around £50k per year between us. And we have about £50k stashed away in savings. We were hoping to be able to buy a…
-
Building Society - Yearly Cheque?
Hi, We are looking at a Britannia mortgage, and apparently after 2 years and then every year afterwards they will pay each of us £110. We are trying to build that into our calculations for comparision. Do any other socities offer this? Chelsea and Stroud and Swindon more specifically, but any others. Cheers.
-
Little help, pretty pretty please!
Hello, I'd like some opinions prettty pretty please. House valued at £150,000 Mortgage £88,000 New partner earning £18,000 a year Me earning £13,500 Ok issue, I have only just started this new job and on a probationary period for 3mnths and won't be permenent for 6 mnths Can anybody think of somewhere, that would give us a…
-
Ditch your endowment policy - is this the general opinion?
I've received dunstonh's opinion that I should consider surrendering my endowment policy with Winterthur which has five years to run. They have added no bonuses to it for the last few years. I had thought that the usual advice given was to hang on if you were approaching the end of the policy. Any other thoughts out there…
-
basic mortgage question
Could anyone please explain why one need to pay more repayment in the first month after you take mortgage. ie if I take mortgage in April the first month's payment is significantly higher compared to second month ? and where is this extra payment going ? Thanks Maveli
-
Urgent Help - Husband Left And Mortgage In Arrears
pLEASE CAN SOMEONE ADVISE - MY HUSBAND LEFT APPROXIMATELY 6 WEEKS AGO AND THE MORTGAGE IS 3 MONTHS IN ARREARS. i AM ON SICK PAY DUE TO STRESS AND ALL HE HAS OFFERED IS £400 MAINTENANCE TOWARDS OUR TWO CHILDREN. i HAVE NO MEANS OF PAYING THE MORTGAGE AND LAST WEEK GOT A LETTER SAYING THAT IN 7 DAYS THEY WOULD START LEGAL…
-
mortgage fixed rate question - if we move out ??
Hi, our mortgage fixed rate ends September this year. If we go for say a 5 year fixed rate as £500 fee. But then next year we're thinking of moving out and getting a bigger place. what would happen to our exisiting mortgage ? Do we need to get another new mortgage at a new fixed rate and pay another £500 ?? Thanks
-
Additional Borrowing?
Now I have never had to do this before, so I am not sure what is the best option to go for. Is it better to borrow additional money to do renovations on your home with your mortgage, or should it be done via a personal loan. We have a very good credit history, so I know that wouldn't affect us, its just Martin says not to…
-
First time buyer
Sorry people usual questions here. We are first time buyers (My mother and myself) and we are looking into getting a mortgage and before I contact advisors I was wondering if I could get some advice on here? We have applied to buy our house off the council (Right to buy scheme) and they have said they will give us the…
-
Advice on remortgage please?
Hi I currently have ajoint mortgage (myself and my wife) with GMAC RFC. The house was a right-to-buy council house that we got for £27000. We borrowed £37000 from GMAC over 25 years. That was 3 years ago although we have lived there for over 7 years. House value is approx £120,000 Our combined income is £47,000 We also…
-
remortgage, broker advice,? best fixed rate
our current deal with the halifax, 2 yr fixed 4.99, ends in august. looking for new fixed rate or discount to move to then. phoned broker today (whole of market) whose best 2 yr deal was fixed 5.34 with £999 set up cost, free valuation and £250 towards legal fees. monthly payment would be £1156. looking at internet…
-
Re Mortgage Advise
Hi, I currently have a 59K repayment mortgage with Nottingham Building Society and with the recent BOE base rate increase, my monthly mortgage with Nottingham BC has also increased. They are charging me a rate currently of 7.540%. I have a further 20 years to run on this 59K. I have written to them approx 6 months ago…
-
Mortgage sold off
Last November I remortgaged a property I rent to GMAC. Without notice or warning my mortgage was transferred to another company in March. All I received was a demand for arrears which I promptly paid, from the new company when my direct debit did not go through because of faulty details. The new company agreed to return…
-
Mortgage Help
Im looking for a mortgage that is aroud 5.58% fixed for three to five years and as low as possible arrangment fee for a mortgage of £110000. Can you help totally confused :confused:
