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Help with self cert mortgage please
Hello I am hoping for some advice We are in the stage of buying another property and are wanting some help figures are as below House we sold ...... £81000 House buying ........£16900 Money owed on mortgage ... £42000 We also have 2 loans non of which are sucured on our home but we are going to pay 1 of them off which is…
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Woolwich Mortgage
Hi Everyone Advice on Mortgage calculations? My Woolwich Repayment Mortgage has always been calculated at the end of financial year (30th September) so all payments made are set aside,until the interest is added onto the Capital, in other words........ Interest is been charged on payments already made?? Is this legal? or…
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Remortgage now or in 3 months time?
My current mortgage deal expires at the end of December and I need to remortgage. I approached a mortgage broker already (London and Country, as recommended by Martin) and he said that if I want one of his deals I'll have to accept it quick because it won't last for anything more than 3-4 days :confused: If you were in my…
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95% Self cert mortgage?
Is it possible to obtain a 95% self cert mortgage? I am part self employed and have been advised this may be the route to go
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Current Account and Mortgage with Halifax - overpaying
My mortgage is just about to complete with Halifax, I want ot start repaying almost straight away up to the 10% limit, can anyone tell me how they let you make overpayments? Is it ring Callcentre, all official etc or can I set up a standing order and make adhoc payments as and when? Grateful for any advice of someone in…
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bank giving me a hard time re mortgage..
Hi I have been with the same mortgage provider for 21 years (stupid I know) but I couldn't be a***d moving about as it has always been a small mortgage. Anyway I will be moving home soon and require just a small mortgage which I opted for interest only as I have 2 endowments to cover the loan which mature in 2011. The bank…
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Self Cert or not?
Will try and keep this brief! My OH and I are trying to get a mortgage together after selling 2 properties that were owned with ex's. He has 1 mortgage arrears that happened earlier this year after Woolwich and Barclays merged accounts. He paid into wrong account, they didnt tell him, he got registered as being in arrears,…
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What Fixed Rate Period?
Hi Guys Wonder if you can help me. I am sorting out my finances to buy my partner out of our house. Its gonna be pretty tough for me but I think I can do it. Anyway I want some advice on what mortgage product you think would be best for me. I have used the mortgage guide and as I am gonna be pretty broke cannot afford any…
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7 Days to completion - Big problem
Bit of a complicated one, but basically my mortgage guy has messed up my mortgage, where I was supposed to get a grand cashback and now he can only get me £500. The only option for me is to switch to a different northen rock product (together mortgage) which is the same cost, but unlike my previous regular fixed mortgage…
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Mortgage paid off - what to do about endowments?
Just used part of retirement lump sums to pay off rest of mortgage. Only £10 admin charge ( C & G ) . We have 3 endowments and are thinking of keeping one with the Pearl which looks like it will be fine - matures next year. Not so sure about Friends Provident and Sun Alliance which go on till 2009. Small amounts only here.…
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Valuation!!
Well everything was going smoothly, was meant to be exchanging contracts last friday and we were waiting on the Valuation to be done. Well the valuation person came out and he under valued the house by 5%. We found out that he was a bit annoyed as he hadnt told anyone he was there and so was kicked off site. BUT we also…
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mortgage arrears
I have got my self into arrears again this has happened a couple of times but i have always got myself straight,(i have got a lot of debt at the minute it seems everytime i sort one debt out i fall in arrears with anotherr)i will be paying the arrears of this week i have just rung them and told me they have sent for court…
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Mortgages with 25% unsecured 75% secured
Bit of a complicated one, but basically my mortgage guy has messed up my mortgage, where I was supposed to get a grand cashback and now he can only get me £500. The only option for me is to switch to a different northen rock product (together mortgage) which is the same cost but unlike my previous regular fixed mortgage…
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conveyancer and land registry fee's question
We a re moving. I have already appointed a solictor for the sale and purchase. We must pay connveyancing fees and other incidentals such as the land registry search. When these fee's are listed on the key facts do they mean we pay twice, or are they givinf an estimate of total fee's involved? For example do we pay our…
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Wanting to be a mortgage broker
I'm really interested in utilising my CeMAP qualification which I have gained through working as an underwriter. I am to be made redundant and have today visited an IFA who has said I can work for them on a self employed basis. Any brokers out there that would be willing to give me some advice? I would have to get my own…
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Bigger mortgage or Secured Loan??? Whats best??
Hi all... looking to pay off some debts and extend the house.. just pondering which would be best a bigger mortgage or a secured loan??? Here are the figures: Existing mortgage £140000 Property value £280000 Looking to borrow £65000 Debts £25000 Extending costs £40000 Had the house for a year - A1 credit history. Joint…
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Remorgaging with a charging order
I currently have a joint mortgage with my partner who has no debts. Unfortunately I do, they are now paid monthly on a debt management plan and are under control. Our fixed term runs out on our current mortgage at the end of December (we are currently with the Coventry building society) so we are looking at remortgaging.…
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Shared Ownership Mortgage
Which banks have the best deals for shared ownership mortgages? I've been ringing around but so far the ones i have contacted don't deal with shared ownership properties!:confused:
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mortgage declined - Devastated
Hello all, I have just been turned down for a mortgage of 65K on a 290k house (I have a big deposit). The only thing they'll tell me is that I can appeal and I should request my experian report. But meanwhile I might lose the house. I think it'll be because my husband is a discharged bankrupt? Yet the bank I applied to for…
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Interest only mortgages
Just been reading Martins book``The Money Diet`` where he talks about IO mortgages.I wonder what type of payment vehicle,if any,people were contributing to as a way to pay off the capital.
