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British Army Soldier requires Mortgages Advice
Looking to get on the property ladder , maybe get an amount above the value of the house to clear existing debt's Currently earn £30,000 per year Have managable debt's totalling £15,000 Also chasing my Bank for charge's £4,200 + interest :D Also trying to find out about the grants available (pension linked) to Forces for…
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British Army Soldier requires Mortgages Advice
Looking to get on the property ladder , maybe get an amount above the value of the house to clear existing debt's Currently earn £30,000 per year Have managable debt's totalling £15,000 Also chasing my Bank for charge's £4,200 + interest Also trying to find out about the grants available to Forces for their first house
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Cemap 1 Help???
hi all just joined today as i have just failed my Cemap 1 for the 3rd time! i passed the first unit last week and failed the 2nd by 1mark and again today same mark (1 mark of a pass!!) any advice its starting to really get to me, plus the amouth if money i have thrown at its making me feel sick:confused: any help much…
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Mortgage advice wanted...please!
My current deal ends 31st Dec. At present we have a £117K mortgage over 28 years, that will have reduced to approx £115K by then. We have also taken out a secured loan of £15K which we want to add on to the mortgage come December making the total we want to borrow £130K. I am 31 earning £22.5K, husband 27 earning £19K. My…
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Joint Morgage with a friend
I have just turned 21 and looking at moving out from my parents hosue when i am 24, due to the house prices i am thinking about buying with a friend (he earns 15k, will go up soon). I earn 21,500 a year base but unless something changes its 27,900 (car allowance & on call). If i am carefull with my money (my fixed expences…
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kensington...are thy this bad ???
We are in the process of getting a re/mortgage with Kensington And have had the offer from them on 31st aug and suddenly thy have changed solicitors / so that now we have to go through the whole process of form filling again/ the original solicitors were fee free and have since changed……..so now Kensington have gone to an…
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Re-mortgage - credit check before completion?
Hi I am just about to re-mortgage to the Abbey National (due to complete on 2nd October). I received the offer on the 1st August. Since I started the process of the re-mortgage and the Abbey did the initial credit check I have started a debt management plan (DMP) to help with my credit card/loan repayments. My payment…
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Mortgages on properties sold at auction???
question: Is it possible to arrange a mortgage on a property sold at auction??? ....or do you have to have the cash?? does anyone know what the options are?? cheers Lee
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Not the best Credit and Mortgages...
Hi, Myself and my partner are trying to buy our first house, we have found a property for 115k and have an income of 18.5k for me and 16k for her. I have a loan of 4.5k which is £178 per month with 30 months left. She has PERFECT credit, the problem is - 4 years ago i defaulted on a catalogue account i didnt even know i…
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How does an overdraft affect mortgage application?
Hello! I would be very grateful for some advice. My wife and I are now looking to buy our first house, and will be looking to get an Agreement In Principle in a couple of months time. FIRST QUESTION: I have worked like billy-o to pay my debts off but still have a bit of a loan (4.5k) that I pay off at £200 each month,…
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Local search, Advise required.
Hello there all, we have just arrived at the final stage of purchasing our home, that odf completion, our solicitors have given us a completion date of 17th september, so next week and we should be sorted as they say. attached to our notice of completion is a letter informing us of the requirement of a local search to be…
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solicitors fees
Hi all, so my first offer on a property has been rejected and I am considering making an increased offer, however I was close to my budget anyway and am now trying to work out how much I can realistically go to. I have priced in the cost of the increase, the stamp duty and the valuation fee but what, on average could I…
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Mortgages in Spain, info requested
I am exploring a build project in Lanzarote. I require a staged mortgage to build a villa and have been advised by a couple of expats that their bank offers the best facilities. Can anyone offer any advice. All advice welcomed no matter how insignificant it may seem. Regards
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Edowment Advice
Hi, I wonder if anyone can provide advice on an Eagle Star (Zurich) with profit endowment I took out a number of years ago. It was originally linked to a mortgage but after hopelessly underperforming and after advice from a financial advisor 6 years ago I have kept it on to be used as a University fund for my daughter on…
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Mortgage Advice Please
I was wondering if anyone could advise me the best place to look for a mortgage. Our current situation is that myself and my partner are in full-time employment, however I am currently in a 3 month probation period. Although I have worked for the company in the past on a placement and it is (I believe) their intention to…
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Best buy section
hey all. I am due to resee my F/a tommorrow woth some other suggestions re the best mortgage for me.An still considering Northern Rock as they are flexible but asked him to look for soem more that may be suitable as i felt one option did not siut me. I like to get several quotes so it suits me for more. looked at the…
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Mortgage lender in administration
For information: http://news.bbc.co.uk/1/hi/business/6987620.stm
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Mortgage Talk Financial Coaching
Hi My mortgage is up for renewal 30th September, current situation: Value of house £90,000 Mortgage £50,000 over 25yrs (taken out in 2005) with Woolwich currently fixed rate at 4.29% monthly payments £300 ( roughly ) Mortgage Talk phoned me today, with these offers: Fee Free 5yr @ 6.35% = £345 per month Interest only 2yrs…
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Unit Linked Endowment Policy
Hello everyone I have a Friends Provident Endowment Policy which I want to sell on but I am finding difficult because it is Unit Linked. It is split between 2 funds 50/50 - Managed and With Profits. I understand there are companies out there that will buy Unit Linked Policies but no seems to know who they. If anyone knows…
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Help needed - what will repayments be ?
Ok, i find this all so confusing ! Im looking at moving soon, im with the abbey for my mortgage and tied in till Sept 09 at 5.64 % , existing mortgage is 110k, i will be looking at increasing my mortgage to 180k - my understanding is that the 110k will remain at the same rate and the additional at abbeys current rate - how…
