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please look at this
I have 4 “satisfied” defaults on my credit file from 2004, is it true that, Granted by just being there it is not good, but as the defaults gets older it has less and less bad impact on my credit score As underwriters concentrate on how recent credit is run, 0-3years old
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Seek help desperately!! Please help me!!
Hi everyone, I'm in a very tight situation. I recently made an application via a broker for a mortgage with A&L and was told after 20 days that I'm being refused because I do not have permanent right to reside and I'm not a EU citizen as well. There are two other lenders which are ready to take me considering my current…
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Current mortgage set to expire, need advice...
We currently have a fixed rate mortgage on our house which is due to expire at the end of August. Our house is currently valued at a minimum of £260000 and we will require a mortgage of £140000 However when we took the mortgage out both my wife and i were working, she has however had to leave her job as we have had a baby…
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Which date for completion on a remortgage?
I hope someone can help me, I am remortgaging for the first time and my new mortgage lender wish to know the date I would like completion to occur on. My existing mortgage deal ( discounted ) ends on 28th July and there is also an early repayment charge in effect up until this date. Should I ask for the 28th July or 29th…
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Nationwide Building Society blues
I need to speak with someone at Nationwide regarding my mortgage. I'm away working in another country, my father cannot find the necessary documents, consequently I do not have the Policy number. I've called Nationwide, they say they "cannot do anything without a Policy number", I asked if I could give you "my name,…
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Am I fighting a Loosing Battle with FOS
Out of principal, I am fighting an endowment claim right to the bitter end. I have jumped hurdle after hurdle, and am now wondering if I am fighting a loosing battle. I appreciate that many posters on these forums feel that many claims are not as honest as they make out, but I assure you we are a genuine case. The FOS…
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Mortage Repayment Insurance
Around 90% of the people at my work have been given notice of intention to make them redundant at the end of November this year. I have to say that I'm one of the lucky ten percent who have been retained, although who is to say for how long. I'm not sure how viable our facility is on such a small crew. Anyway, just in…
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What is the best route to obtain cheapest buy to let mortgage
I would appreciate advice on how to go about searching for the best buy to let mortgage? This is my first attempt at investing in property! Should you use more than one broker? :confused:
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Mortgage query... hoping to get a different answer to the obvious...
Here is my situation... Have a current mortgage with 19 years left on a 83,000 (now 75,000) .5% above base tracker mortgage with Barclays (Woolwich). This is on a Family home and i want to purchase a second property. The second property will be my main residence but i have to keep the mortgage on the first property in my…
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Any help would be greatful
Hi, I am simply looking for some information and help for my situation. Me and my boyfriend are moving in together next year and he has suggested it would be better for us to buy somewhere rather than rent. Currently we each pay about £300 per month on rent, and we are looking at houses around the £140,000 mark. I am…
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Good offer on fixed rate and bit of advice really
Hi, my 2 year fixed rate ends soon so starting looking around. The offer I've been given by the mortgage advisor is with Portman BS at 4.39% fixed for 2 years but a £2200 fee :( Reason for only 2 years is that I plan to move out in about 2 years time to a large house. Would say getting a 5 years fixed rate not be…
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Further Borrowing or Loan?
I currently have 2 mortgages on my house (both with the same bank) and need to borrow approximately £9000 more for home improvements. I've contacted my mortgage company and have been quoted an extra £63/month to add the £9000 to my mortgage repayment over 23 years. The cheapest unsecurd personal loan I can find the the…
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Repayment or Interest Only
At the moment I have an interest only mortgage, this was due to a too good to miss offer on a house and the payments for interest only were all I could afford at the time. Was bursting to get on the property ladder. I am now moving again and would like advice on whether I should sit with an interest only at the moment,…
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Rejected Application
I was wondering if anyone out there can suggest why an application from my husband and myself can be rejected by a mortgage company on the grounds of a repossession I had 8 years ago. The same company granted my ex-husband (with whom I owned the repossessed property) some 2-3 years ago. I thought that if an incident was…
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When is best to remortgage?
Our five year fixed rate with nationwide ends on september 13th. How soon can we arrange a new deal? Looking around i think it may be better to fix sooner rather than later but am nopt sure if this is possible. The deal i am looking at as best for us is also with nationwide so im not sure if this will go in our favour with…
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Mortgage Advice please - moving house
Hiya, I am hoping one of you clever people can help me please : I currently live in a house worth £140,000 with a morgage of £123,000 on a 2 year fixed with the Woolwich. I want to move to a house arround the £180,000 mark but the Woolwich will only lend us £140,000 max. As I am in a 2 year fixed rate, the early repayment…
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Guarantor Mortgage
I would really like some advice. I am currently trying to buy a house on my own. I am studying to become a teacher, so for this year i will only have a bursary to live on. I do have some savings however, enough to put down a deposit and help get me through the next year. i have read about the mortgage with gaurantor, which…
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Split = further loan (on mortgage) + transfer of equity (can it be done)?
Hi all, I need some advice! 8 months ago me and my now ex fiancee got a mortgage together to buy a new build. You guessed it, things have not worked out and we have split :money: Anyway, I want to buy her out and need to give her 8K but I want to get 10k to give me some cash to pay off some small debts and get this added…
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change of circumstances
Hi there, I would really appreciate some advice. I have a 2 year fixed rate mortgage with my partner. When we took this out we were both in full time employment. However, I am going to be going back to university in September to do a 1 year teacher training course. My only income will be a 6k bursary and a 6k student loan.…
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Self-employed/Contractor.
Hello all I wonder if someone could clear up a little confusion I have in my mind! I am going to be looking for a mortgage and I am currently a contractor and have been for the last 2 years (solidly in work). However even tho I am a contractor I have an umbrella company that looks after my tax, invoicing etc so I don't…
