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Repay mortgage - more IHT?
I have an interest-only mortgage which I intend will be re-paid from my estate after my departure from this planet, thus reducing my liability to IHT by about £10000. Has anyone made similar arrangements and are complications likely to arise with thi scheme?
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Help with remortgaging
Hi, i need to remortgage, but i havent a clue how:confused: My current mortgage is with my bank for 65,000, but i estimate i need 80,000. My property is valued at approx 130,000. Where do i start, who do i trust, and a million other Q's pop to mind, please can you help/advise me. :huh: Thanx
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I'm looking for a special mortgage to buy an-ex council property.
Hello all! I'm buying a ex-council house. It has a special condition because it is in a council 9 floors building. and: - most bank don't provide mortgages for council buildings. - this is has been valuated and it is a special type of building. I have a £50.000 deposit and just need a £45.000 mortgage but most banks and…
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shared mortgage with credit problems
Myself and 3 friends looking to buy a place, 2 or 3 of us dont have brilliant credit ratings. We have regularly missed payments on credit cards and 1 of us has 1 or it might be 2 satisfied defaults. Can we get a mortgage? Who should we be looking at ie what company? What kind of deposit would we need and what kind of rates…
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starting to become a mortgage adviser
hi everyone, im confused as to which path to take on becoming a mortgage adviser. i have read other posts on here which seems to have made my decision no easier. Should i take it upon myself and do my CeMAP 1,2 AND 3 exams and hope i can get a job with no sales experience or do i try and get my foot on the job ladder first…
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low income
hello everyone ! I need help My and my partner would like take a mortgage about £166.000 Our income is : £18 000 £13 000 Any chance for mortgage? Any advise? please Where should I apply? Thank you
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PLEASE HELP!!! Trying to find mortgages when I have bad credit
Hi I wonder if anyone can help me. I'm trying to find a mortgage for myself and my boyfriend and we both have a bad cerdit rating. I have £6000 of defaults which I am paying back though a DMP, I lost my job a few years ago and when back to college and couldn't afford my loan and credit card repayments. My boyfriend has a…
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Remortgage Help/Advice
Hi, Our Halifax 2 year fixed rate mortgage is due to expire on the 31st of August. Presently we pay £403 per month on a 25 year mortgage of £69000. After reading Martin's remortgage guide I decided to contact L&C broker. They have just got back to me tonight and recommended I stick with the Halifax on another 2 year fixed…
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Urgent Advice on Mortgage Advisor Practice Required
My existing fixed rate mortgage period is due to expire end of September 2007, at which point I will revert to the lenders standard rate. With this in mind my wife and I approached the mortgage advisor that we used last time as we had had a good level of service (that was or first mortgage). After looking at our…
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Urgent Advice on Mortgage Advisor Practice Required
My existing fixed rate mortgage period is due to expire end of September 2007, at which point I will revert to the lenders standard rate. With this in mind my wife and I approached the mortgage advisor that we used last time as we had had a good level of service (that was or first mortgage). After looking at our…
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Fast Track Mortgages / Mortgage Advice
Hi, I was wondering if anyone can give me any advice on fast track mortgages / mortgages please? :confused: I am looking to sell my flat in the next couple of months. I am hoping to make about £30,000 profit after paying off my current mortgage and all my loans, credit cards, store cards and overdrafts. I have just…
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re mortgage-HELP
Require to remortgage at the end of august to avoid tie ins is tracker or fixed best way to go,offered 4.99 2yr fixed with 1yr tracker 2200costs with northern rock current lender-3yr tracker5.39 700 costs with the halifax or is there better options
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£365 for assessing a valuation report! Do i have to pay it?
Hi there, I am in the process of buying a new house. We had had a survey done (cost £250) and now the wonderful Northern ROck have told me they charge £365 for facilitating, accepting and assessing the valuation report for mortgage purposes! Surely not, our survey was completed by a company of qualified surveyors. Surely…
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URGENT - Northern Rock Mortgage Help
Hi, This is not my problem but i am just trying to help someone out, so all your advice would be appreciated, i need to know by tomorow if possible. Someone i know has just split with his Girlfriend who he has a Mortgage (with Northern Rock) and a loan with RBS. The mortgage is currently around £86,000 on a house worth…
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Question re Witnesses
Hello - quick question I am about to re-mortgage and have a couple of forms to sign Standard Security for Standard Mortgage and Matrimonial Homes Declaration I have to do this in front of a witness. And was just wondering if this had to be someone particular (ie Doctor, Bank Manager, etc) or if a work colleague etc is ok…
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Changing joint ownership to mortgage in sole name
I would value some advice on this - I feel like I am going round in circles here...:)My partner and I have been together for 10 years and owned our house together for 5. Both names are on the mortgage.We are currently set to move, and have £80k of equity which is going into the new house.This is my problem - over the past…
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What to do? 2 Year or 5 year, Please help
Hello everyone hope you are all well? I am after some advice on what mortgage to take and if the rates look any good? Its between a 2 year fixed at 5.19 with a £1999 setup fee or a 5 year fixed at 5.79 with a £999 setup fee. (We will add the fee to the mortgage) We are both self employed so there are not many companys that…
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retired and still have a mortgage
Hi, Hoping someone will be able to advise:j My parents were given an interest only mortgage in 1990 but the company did not recommend any endownments etc as both parents were nearing retirement. My Father was 63 and my Mum was 59 years. They are both very much alive and fit and well now nearing 80 and 76 years;) . They…
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wrong amount taken by Direct debit
Hi I have a bit of a query. I took out a new mortagage in december. The first payment due turned out to be almost 2 payments and couldnt afford it,. Arranged with Mort co. to pay back in increments and this was no problem. I finally paid the final difference by April plus that months mort payment. This has all been done by…
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Secured Loans
I currently have a secured loan and am looking to remortgage, but cannot seem to find a lender who will give me a mortgage as I have a secured loan
