-
Advice Re Whole Of Market Advisor!
My fixed deal is up for renewal. I have visited a broker, although he was a not whole of market, however, I wanted to add in some outstanding credit with my new mortgage. The broker looked around, and called me back stating he was unable to assist me. Currently outstanding on mortgage: £77:000, outstanding debts on CC a)…
-
Cashing in or selling a PEP
I have a PEP purchased in 1990 from Bradford & Bingley. It is a UK Growth Series 2 PEP currently worth around £7k. I also have some cash ISAs. It doesnt seem to be performing all that well, what is the best way of liquidising it, if that is the best plan. Am I better off using the money from the ISAs?
-
Is it possible ? Advice on BTL mortgage.
Hi Looking for some info. I know there is a mortgage guide on this site but its printable only and mine is out of order. I have a btl mortgage already but cant remember what the requirements were, deposit % and also % more the rent needs to be than the mortage. Here my situation. I have just under £100,000 secured on my…
-
Help to Release endowement and restructure mortgage
A friend of mine is really getting stressed out as she thinks she is unable to get her endowment policy released by the bank (originally held as a security when she took out her endowment mortgage in 1988 about 18 years ago. Having been through some hard times and unable to work through part disability she recently started…
-
Remortgage Or Move?????????????
Can somebody advise me please??????????????? Have severe debts and a very large mortgage. My husband is looking to move jobs which is good in one way but not in another. Don't want to go into too many details until I can speak to somebody. The question is do we move and but cheaper - but the house is not selling currently.…
-
Morgage Exit Fees
Thankyou Martin!!! I saw you on GMTV telling us about the morgage exit fees. Well i rang my old morgage company up and i recieved a cheque for £40 within 4 days. Again Thankyou:T Still going for the bank charges, i wished they was so easy.
-
What's best mortgage for me?
Hi All. Just wondering what you all would recommmend for my situation which is: -Deposit of 15K, Mortgage of 119K needed. -30yrs old. Earn 30K per annum. No bad debts/ccj's etc. (Currently have 3K on an interest only credit card. Can pay this off, but holding onto the 3K in a savings account until really have to. Also have…
-
Self employed mortgages
Hi, Can anyone advise on the best re-mortgage deals around for the self employed, i have 3 years accounts. Thanks
-
Remortgage _ how much
Bought flat last year done it up and added equity i wish to remortgage with current lender(HSBC) to pay off loan i took out to covr deposit. Are there any solicitor costs to pay?? What other costs may there be???
-
Thanks MortgageMamma......
I have just read your comment on another tread where you say you dont own a property. I like you have am just about to come off the property ladder to rent a larger house, in a semi rural location and have more money in my pocket. You have made me realise I am making the right decision as everyone thinks Im mad. The main…
-
help! how can i buy 50% of partners house?
Hi everyone been lurkiing around these forums for quite a while bit this is my first post- here goes ,my partner has her own house but was going to sell it and move in with me at the house i was buying which fell through so we looked around and both realised that we couldn't see anything what suited us any better than her…
-
Thinking of threatening to switch from HBOS
We have had a repayment mortgage with BOS for about 5 years based on a self-cert. It is 1 per cent above base rate on a mortgage of about £118K. I was thinking of calling the BOS to ask what they could offer to persuade me not to switch to another lender. Anyone had experience of doing this and how competitive is that rate…
-
IVA Mortgage?
Hi, I am waiting to hear from a Mortgage Advisor and the suspense is killing me. I have been in an IVA for 15 months and never missed a payment. My boyfried has just cleared all of his debt (approx £4,000) so is debt free. He earns £17,350 PA and I earn £22,250 PA. We have a deposit of £16,000 and the house we want to buy…
-
transfer of equity
hi folks heres my question do i realy need a solicitor to complete a transfer of equity? i want to put my name on my partners mortgage there is no money changing hands so why should i have to pay them upto 400 quid just to fill in a few forms god i hate spending money unnecesserily:mad: this may have been posted before but…
-
Self Cert Advice - first time buyer
Hi, I'm looking for some advice on obtaining a Self Cert Mortgage. We are both self-employed and first time buyers. We are looking for a self cert mortgage with a minimum proof required (i.e accountants letter would be fine) We both take in £36k each before tax and NI and have monthly outgoing of £400 (loan) and credit…
-
Is it possible to......
Hi, is it possible to get remortgage on my house when i currently don't have a mortgage. Want to release some of the equity in my house. thanks
-
CeMap 3
Hi Guys, Just joined up. I'm a broker but fairly new to the industry i'm going to be sitting my CeMap 3 exam shortly. I'm a little concerned as i've heard this is the most difficult of the 3? Would anybody have any previous papers for this exam that they could email me? I really would be eternally thankfull :love: :grin:…
-
Offset mortgage - should i sweep or save ???
Hi all i have a flexible plus mortgage with abbey national, where you can offset your savings against the balance of the mortgage. anyway i was reading some abbey national literature on this type of mortgage i have and it says that when you have a lump sum in the savings pot then you can 'sweep it'. This is you phone them…
-
FTB Questions - deposits? 100% mortgages?
Hello! My husband and I have seen a house we love currently priced at £135,000 although obviously we would be offering less than this for it. I earn £19,200 plus commission of approx £1500 per year My hubby earns £30,300 I have previously had one default notice and my hubby has had a couple of ccj's. Would we be able to…
-
HSBC Homestart Mortgage - FTB
We are FTB looking for a 90% mortgage on around 130k. We have found a homestart mortgage with HSBC allowing you to pay interest only for the first 3years on a 5yr fixed rate mortgage. This is ideal as we are both young and due substantial payrises over the next few years. I was just wondering whether there are any other…
