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Halifax mortgage
when we changed our mortgage from Northern Rock to Halifax in 2004 we wanted to change it to joint names as it was originally in partners name only the halifax charged £250 for this - is that usual?
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Mortgage calculator
Hi Not sure if I'm being blind or inventing something that never existed but is there a calculator that lets you work out what deal is cheaper, taking into account fees, interest rate and any other variables? Thanks
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Waiting for mortgage offer, having to chase broker to chase lender?normal?
This is our first mortgage so not really sure if this is the same for everyone.......... we have gone through a broker for our mortgage. We sent off paperwork 2 weeks ago and have not yet heard whether its been ok'd? I emailed our case manager at the brokers and she said they would be assessing our paperwork Monday (just…
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Best Mortgage Rate for CCJ Holder?
I have a CCJ that's now finally been settled. I am in the process of appealing it in the hope that it might be set aside, but wanted to know which companies offer the best interest rates for a mortgage if you have a CCJ. Natwest have turned me down because of the CCJ so its unlikely that any high street bank will give me a…
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Can I claim these back?
Whilst looking through my recent mortgage paperwork (after claiming MEAFs from the older ones!), I realised that I had been charged by the lender for: Arrangement fee of £499 Admin fee - £315 Also as I had gone via a broker at my estate agents, they had charged me £99 Admin fee and also £200 'contribution' to the Agents…
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mortgage aggreement cancelled by lender - new lender might be willing to lend!
Hi all, first post on here so please bear with me. We have put on offer in on a property which has been accepted. (we know the seller) solicitors instructed searches nearly completed. Our IFA got us an AIP before we proceeded with all this we then went to full application and today after 10 days of stressing out our IFA…
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increasing chances of a morgage...
hello people thanks for your time. A quick question i have two CC with a combined limit of 28k. I have used 5k on one card. Does it make a difference me having 2 CC? or should i cancel one to increase my chances of getting a good morgage as i have raised enough deposit. ANy help much appreciated
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Endowment reclaim Result Thanks to you all
Hy I sent a letter to AXA regarding an endowment policy and i have just received a letter from them with an offer of £896.84 compensation. :j They uphold that the policy wasn't missold but admit had we taken a repayment mortgage with them we would have been better off to the tune of the amount above. The endowment was only…
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Divorcee complex mortgage issue Help!
Slightly complex but here goes. I am divorced from husband but he continues to pay the mortgage for the next five years. The mortgage is mine and I started off with fixed rate for 3 years. This has now reverted back to 7.8% currently. Being slightly dim on the mortgage front in order to benefit should I leave it at…
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Im 24, can i get a morgage? House prices are scary
Hi guys, i just found this great site whilst googling for mortgages, Im 24 and need to buy my first house, i will be joint buying 50/50 with a friend, who is also 24, we have long term jobs with minimal risk of loosing them, we have both been employed since 2002. We have the means to put down a deposit of either £10,000 or…
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Paying off mortgage/adding name
I've sold my house and have moved in with my partner. The mortgage is currently in his name only but we are thinking of paying off his mortgage, but will then need to put the house in joint names. Can anyone advise me what we need to do to do this. His fixed rate finishes at the end of this month. Thanks very much.
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Remortgage dilemma, any advice please?
:confused: My mortgage of £43530, has 11 years left, (house value £96574), is split £39536 int only, & £3995 repayment, (I can't afford to convert it all to repayment just know), has a fixed rate of 4.79%, which is due to run out at the end of this month, (Sept). My bank has offered; for no fees; 5.75% fixed for 1 year,…
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New mortgage with a shaky credit history - advice please.
I am looking for advice from people who have been through a similar situation. A business venture (!) went wrong leaving us with substantial unsecured debt. I am now on a DMP and paying this off monthly and have met all obligations under the DMP. In terms of our credit record, there are defaults on the file from CC…
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Mortgage
Hey all, I am in the process of getting a mortgage am hoping i have only a little bit longer to go now (if i have to sign another bit of paper i will SCREAM!) Basically, we are having to go interest only as we dont have a high enough income, at the time they asked for if we had any loans and we said "yes", we have one…
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property portfolio inside track
inside track is a company that put on seminars to show you how to buy properties and build up your portfolio but to get this information you have to pay to go to the seminar. Has anyone been to this seminar and does the information that provide really work?
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Buy to let-should I pay it off?
I have a fixed rate motrgage with the Birmingham Midshires, the term finishes shortly and I have the cash to pay it off but should I? Is it better to have the loan as an offset against tax on, the rental income? Thanks Paul
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Mortgage needed for Income Support recipient
A friend has asked me to help her out. She wants to move from her 3 bedroom terraced house to a 3 bedroom ex - council house. She owns her current home outright and has sold it for £120000.00. The move will be funded by a small £15000.00 mortgage to pay for legal costs, estate agents fees and replacement windows and doors…
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Can I trust my IFA?
As some of you might have read, we have had an offer accepted on a house and are now in the process of getting a mortgage. We have been told by an IFA that the best 5 year deal fixed is with either Britannia or Nationwide, both at 6.14%. however, we've found out that Britannia also do a 5 year fix at 5.84%. There's about…
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Increase My Mortgage for a BTL
My house is worth 380k (at least it was yesterday!) and my mortgage is 200k. I have a good 5 year deal with 3 years left to run and wondered if my lender is likely to agree to up my mortgage by another 100k on the same deal in order to fund a BTL. If so, it makes a BLT a financial possibility. Any thoughts out there?
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Missee Mortgage Payments - Help Needed
Hi I hope somebody can help me, I have just checked my bank and my mortgage d/d was returned due to lack of funds. I honestly believed that we had enough in the account for the payment and have never missed one before so it is an honest mistake. Can somebody answer the following questions to ease my mind: Does this now…
