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me and boyf moving in together
I own my own house and i'm moving house down nearer him and my family and when i get there my boyf is moving in with me. My question is what do i need to do? i have been paying my morgate for 4yrs and moving to a slightly cheaper area so i should have about £20K equity in the house Any ideas???
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Advice needed...Make overpayments or increase re-payments
Anyone any ideas, I'm about to re-mortgage and would like to know which would benefit me the most, I can afford to make overpayments on my mortgage over 20 years which will hopefully shorten the term of the mortgage, or Would I be better increasing my re-payments each month by shortening the term of the mortgage to ten…
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Arrears Fees
Good Morning Everyone, Im new to this site, and could do with some advise please. I have recently changed my mortgage provider and in the process of claiming arrears fees from GE Money, £700 plus interest made up of £40 per month arrears fees, I am at the money claim stage, but not sure weather to proceed after what I have…
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Remortgage question
Mortgage due to end next month, 19 years left owing 127k and Halifax have offered a number of deals all with product fees ranging from £249 upto £999 monthly payments will increase as I expected, just unsure which to go for but was looking at a 2 yr fixed at 6.24% which would increase monthly payments up £130 per month.…
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What are your plans?
Just wanted to gage what people on here are thinking and planning to do for the next one to two years.
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Lenders changing their lending criteria
http://www.bloomberg.com/apps/news?pid=20601109&sid=aLHJ4TKSRS90&refer=exclusive Very interesting read. Lenders changing the way they are going to lend which seems to hit FTB's and subprime lending.
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repayment and intrest only mortgage- switching
i understand differences between repayment and intrest only mortgages- no explanations needed , what confuses me is when you switch from one to the other- the problem being the outstanding amount due on the intrest mortgage. What if you have a 100k mortgage and you keep swapping beteen the 2 over the 25 year term - due you…
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teachers building society
I just posted about getting a mortgage as a newly qualified teacher as I am only on a one year contract to begin with. there is a company I have come across called teachers building society, they are a company aimed at providing mortgages and loans for persons in the education sector. one of the things that it says on…
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Need new mortgage for 'Airey House' Non standard construction
Hi All Would be delighted if anyone could suggest where we can find a new mortgage for our Airey House. Our house is of non-standard construction and is made of a metal frame and has concrete panels on the outside. The buildings survey we had done has said it is fine for the next 30 years. We initially had a 12% interest…
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am i eligible? very confised!
I really need some help finding out if I am eligible to get a mortgage this year. I am looking to buy a house with my boyfriend, both first time buyers. I am a newly qualified teacher, I start a new job in september as a teacher. At the school I am working at, and at virtually every other school in my area all new…
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Mortgage guarantor!?
Hi, My partner and I have £30,000 worth of savings but are both going back to University in September. I am doing my PGCE (should be working full-time as a teacher in 1 year and receive a 6k bursary during study) and my partner is going to study Medicine for 5 years. As we now know that we will be living in the same place…
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Leaving Abbey at end of fixed rate
I'm remortgaging with Halifax which is all agreed, the fixed rate ends with Abbey on 2 October, can I get a redemption statement from Abbey based on payments made up until then? Do I need to give Abbey notice? I know I should ring them but its such an awful customer service experience these days I can't bear the pain and…
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My ex wife has died, what happens with mortgage
Hi. This is a complicated one. My main worry is that the former house could be sold without my consent? My ex and i divorced some 6 years back and since then i have re-married and have a new family. My ex carried on living in the former matrimonial home with my two children. I assumed that this would be the case until the…
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Help! Remortgage advice needed
Hi everyone, We are going to remortgage for the first time in November, however I am having a lot of difficultly working out what mortgage to get. We have a mortgage broker (who is a friend of my dads) - he is very good at pushing things through and is independant and doesnt charge us any commission! Our mortgage will be…
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Mortgage Leads
Hi All I am looking to purchase leads and would be happy to pay well for them if they are truly qualified. Does anyone have any advice on this? I would especially be interested in finding out what a reasonable price for leads are. I have been looking at qualified leads and also qualified appointments. Are there any…
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Which One Account????
Hi Our fix rate mortgage is due to end in March, I am dreading the new rate! After lots of looking I think a "One Account" is the best for us and if we really tightened our belt we could pay our £100000 mortgage off in 6 years. Are there any hidden dangers in "One Account's"? There are now a couple of institutions running…
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Endowment Complaint rejected - legitimate?
Hi, I recently submitted a missold endowment complaint on a policy with Norwich Union. They have rejected it - the grounds for rejection are that I previously complained about this policy (two years ago) and then failed to return their fact-finding questionnaire. I know that I have grounds for complaint, as they have…
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Are we going to have any trouble getting a mortgage?
Hi. I returned to the UK (West Yorks) with hubby and two young children about a year ago, after living there for over 20 years. The last time we owned a house in the UK was in the mid 80s - no problems with it (shared ownership). We have owned property in NZ most of the time in between, and sold that to come here. We have…
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Basic question about the mortgage guide
Hi, sorry to ask what i am sure is a dumb question from a very financially un-savvy newbie who finds it very hard to follow numbers, but the guide (p8) is talking about the risk involved in interest only mortgages and it says "The point is the investment you use to pay off the capital on your interest only mortgage may…
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Defaults on mortgage advise needed
I have sold my house (which was a BTL investment) to my ex (he put down the deposit & the mortgage was taken out in my name as I had better credit & well paid job). He purchased this house as an investment but badly managed it & mortgage payments were late on several occasions. We are now seperated & I sold the house to…
