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can you still get a mortgage if you sign on
sick for a bit? a friend of mine is self employed but very stressed. she is also looking at moving but she is now making herself ill. could she sign on for a bit even for stress related sick leave and would this affect her ability to get a mortgage? thanks in advance.
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best rate buy to let
hi every one my buy to let fixed rate is ending early next year the morgage is 150,000 the house has just been valued at 250,000 when i took out the morgage i decided to go with interest only, for 2 years then changes to repayment, i have just recieved a letter from the morgage company to say that the morgage will be 1050…
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London and Country problem
I`ve had a real problem with the MSE`s reccomended London and Country Mortgages Ltd. I asked them to arrange a mortgage where I could pay off a substantial chunk of what I owe without incurring early repayment charges. They found me what sounded like a good deal but didn`t tell me that the transfer to the new mortgage had…
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Confused with re-mortgage?
Hi We currently have a mortgage with the Alliance & Leicester but want to borrow some money for home improvements. The problem is that we have a personal loan which has 2 years left to run. We have thought about adding this to the mortgage as well as we are struggling a bit to pay both. Is this a good idea or not? Also, if…
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Any interest rate changes coming soon ?
Hi , my fixed rate ends soon and i was wondering if anyone had any information on wether the interest rate was due to change soon .Hopefully it will go down . I dont want to sign up for a new deal then knowing my luck the interset rate goes down leaving me stuck on higher rate . I suppose its a bit of a "crystal ball "…
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Remortgage Help Please!
My interest only mortgage with the Halifax has only 4 years left of a 23 year term.The mortgage is for £26,000 IF i change to another mortgage provider , how do i pay the Halifax? Does it mean that with my new provider, i would have to pay £26,000 over four years? Sorry,really confused by all this . Thanks in advance !
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Kids buying part of my house
I would like to help my kids to get on the property ladder by selling two thirds of my house to them whilst retaining my one third share of the property. We all live together anyway, so the 'rent' that they pay me currently would effectively pay their share of a new mortgage. The new mortgage would enable me to pay off my…
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Yorkshire Building Society
Hi all, has anyone got or had a mortgage with Yorkshire Building Society if so are they any good?
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Advice please!
We have just sold our house and had reserved a new property with Barratt which was to be ready in December. Before selling our house we were in touch with a financial advisor who was looking for a mortgage for us. We have bad credit and a loan and she was told this but said it's fine i've got someone here who will lend…
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Woolwich delays - for brokers
Is everyone having the same 45+ minute wait to get through to Woolwich? What do you think the situation would be if you billed them for the wasted time on their 0845 number?
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Endowment Shortfall:how best to use my savings ?
I have four years left on my interest only mortgage with the Halifax. There is going to be a potential shortfall of £9000. I would like to keep my endowment going. I have approximatey £3000 in savings. Should I pay this £3000 into my mortgage or would i be better putting it into an Isa or some other form of saving. Thanks…
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new home, do we have to go with the vendors previous providers of gas, elec etc?
Hi Guys, We are due to complete this friday and have got details of the vendors gas, elec, and water suppliers with the houses account numbers. Are we meant to just call them (Npower and Severn trent) and reactivate the accounts or can we shop around beforehand? If we do this will it be very much more hassle? (we dont need…
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Interest only mortgage - In a year how much do I pay off the "true interest?"
Hi, I am considering getting an interest only mortgage for a fix rate of 2 years. I am trying to find out how much I would pay off the true interest and how much is paid off the additional interest you are being charged for having an interest only mortgage. Does this make sense? Thanks, Bar
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looking for mortgage calculator
Hi I am looking for a mortgage calculator, I have found calculators that show the monthly amount payable, but I would like a schedule of how the loan is reduced over the years, so that I can see for example how much I will have paid off after 10 years. Can anyone advise of a site that will show this, las time I took a…
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mortgage declined
We have just been declined for a remortgage with Db mortgages,reasons given my break in employment (6weeks) . I believe there were other reasons which i will list,but with the so called credit crunch,sub prime lending being in the news ,is it possible at the moment a lender would consider us?. we are looking to borrow…
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advice needed.
Hi all, I am new here, and just wanted a little advice. Ihave an interest only mortgage with Barclays, i took the mortgage out in 1998 for £45,000, and my house is currently worth approx £160,000-£170,000, i am paying an interest rate of around about 7.3%, firstly, should i ask my lender for any new products they have, to…
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Seeing Mortgage A/C Online (Lloyds/C&G)
Completed on my house yesterday :-) and just wondered if anyone who has their mortgage with C&G but through Lloyds & who also banks with Lloyds knows if the mortgage account details can be seen through online banking? As it already shows my current a/c, savings and credit card, I suddenly wondered if the mortgage will pop…
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Any better BTL rates than 5.75% 3 yr fixed?
I'm looking at a BM solutions 3 yr fixed 5.75% IO rate with £950 fees.Am open to any fixed or trackers that are cheaper! Long terms open too! Any suggestions welcomed! It's looking rough out there! FTB BTL with: £175K purchase price. 85% LTV. £830/month rental income. Cheers!
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URGENT HELP!! Missed Mortgage Payment....Where do I stand?
Hello everyone, I currently have a mortgage with Mortgages Plc, I have been with them since April 06 and ported my mortgage June 07, to date I have not missed any payments. Since September my Boyf lost his job and due to numerous reasons I was signed off work and only getting SSP, Immediatly called my mortgage company to…
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Mortgage for adverse credit.....any ideas?!?
Hi, I'm considering looking for a mortgage to buy a house on a shared equity basis. I have bad credit, but am starting to get myself sorted. Has anyone else been in a similar situation, or bought a shared-equity scheme house?? My bad credit is actually relatively low. I had some personal circumstances that led to my credit…
