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Woolwich BBBR + 0.17% Term Tracker - Offer Removed
Hi All, I applied over the phone for this mortgage (Woolwich BBBR + 0.17% Term Tracker) but as a new customer i had to prove ID at a local branch. This took a few days and due to the postage strike it won't have been received by them before the offer was removed off their website. Will they honour the rate i selected and…
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No Fee Mortage
Hi Im having to have a name changed on a mortage. Which means basically I have to re do the whole mortage which incurs solicitors fees. I only just have enough for the solicitors fees so need a good mortage with no other fees involved. Any help? wadlwy101
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Advice Please - Northern Rock Draw Down
Hello I have recently purchased a property abroad by extending my mortgage with Northern Rock and drawing down funds as required. With the current situation with them, should I draw down the remaing funds now and stick this into a high interest account or leave things as they are on the basis that I will still be able to…
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Buy To let Question
hi there, i have a couple of old (over 3 years old) satisfied defaults on my credit file, im looking to take out a buy to let mortgage, i have the nesserry deposit from my current mortgage provider, as a further advance, what buy to let mortgage providers are resonablay leanient towards this, and what amount of deposit do…
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Birmingham Midshires
Does anyone know how strict Birmingham midshires are with respect to underwriting buy to let mortgages, as i have a couple of old "satisfied defalts" i have the required deposit and been told this should be ok
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New Buy to Let Question
I have my own house, with a normal mortgage with abbey i have recently just bought another house via buy to let is it the case that if i was to remortgage or move house, that my rental income for my buy to let house can be taken as income, if so to what extent? please help
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Mortgage endowment claim calculations
hi I have been informed that my claim for compensation is being upheld, however I have to decide which calculation the company will use to complete my claim 1) calculate any loss by using my exact mortgage details making allowance for any change in lenders or special deals I may have had or 2) use the assumption method…
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Advice needed - splitting up with girlfriend
Hello, Just thought I would ask on here for some advice. Basically im only 21 and I bought a house with my girlfriend of 4 and a half years in December last year. We had been renting a flat before that and seen renting as dead money. She has now decided she would rather be with a guy at her work so we have the house to…
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Financing a purchase of land...
Does anyone know of a lender who would be prepared to offer a mortgage-type loan to finance the purchase of a piece of land and the subsequent placing of a log cabin on it? I don't know if land is considered to be sufficient security for a loan. If anyone else has undertaken such a project, I would be interested to know…
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Sell 1 Property to buy 3 - Very Complicated !!!! Help ...
Hi I need some advise on my dead dead complicated situation. We live as an extended family in a 6 bedroom, 4 Storey Victorian Type House. We being wife, I and our boys. My brother, his wife and his kids, and my folks. This house is mortgaged and has about 50K left on it. Anyways kids are growing up and stuff, so we were…
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Payment Protection Lost my Job
I got laid off work July 11th this year and I had only worked there for 11 months or so, so I wasn't entitled to any redundancy pay. My husband works fulltime and even though he earns a decent wage, we are my wage short which was about £850 a month. We are trying to pay the mortgage (s), electric, gas, water, food etc with…
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Spml loan And Then Spml Mortgage
June 06 after much umming and ahhing we got a new Mortgage £150k through my usual broker, the main reason was that we had a secured £20k loan ad some crazy interest rate. When it came through I was amazed that both the old loan and the new mortgage were with Spml. I fully expected paying the early exit to Spml for the loan…
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Bankrupt
Hello All, Just recenlty been discharged last week, and me and my fiance are wanting to get a 100% mortgage. Do we stand a chance? Thanks.
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Re Possesion Help Please
After a sticky peroid we came to an agreement with our bank to pay off our arrears.We made our first payment but although it was approved our acount has not been credited. Their mistake obviously. Consequently the bank have moved to formally re posses the house. What do we do. Any advice please.!!
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Ftb
I've now been working over a yr in my first job and I'm looking to buy a place for myself. I'm currently earning £23k a year. I'm a very good saver so I'm wondering if I should go for an offset mortgage. I'm looking at properties around £120-125k but I'm not entirely sure if this is affordable to me if I pay a 5% deposit…
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New to Mortgage
I am in a conundrum about a mortgage. I have just paid off my IVA and am now totally debt free with no credit to my name as of today. I have never had a mortgage, except when married about 10 years ago and that was in a joint name. I am 42yrs of age and wondered what mortage would be the best option for me, ideally i only…
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Suggestions for calculators
Just a thought - I know there is a calculator on the Mortgages vs. Savings article showing the repayment rate, but it would be really useful to be able to plug in your mortgage rate, a sum to overpay, the amount outstanding on the mortgage, and see how much your overpayment would save! Just a nice to have - apologies if…
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Mortgage
I am selling my house,my lender is Halifax they say i need to pay a £175 Early repayment fee,is this correct.ALso i have had the redemption amount mentioned in the same letter they sent,do i still pay the mortgage every month even though this final redemption amount is in writing?
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Endowment... Surrender or keep?
Hi all Am considering cashing in my Norwich Union (always been with NU so don't think I am in line for a windfall payout???) endowment policy. I would pay the lump sum off my mortgage and increase by mortgage payments by the amount of the endowment premium. I would really appreciate some advice as to whether it would be…
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Joint Mortgage: Good credit plus bad credit
Hi all, any thoughts on my problem would be much appreciated... My partner and I want to move in together, but rather than rent we would like to make our first step onto the property ladder. He has an excellent credit history; mine however is rubbish, having defaulted on loans, credit cards etc in the past, resulting in 3…
