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Help!! Can you get a mortgage on a house next door to a pub??
Hi, hope someone can help on this! We're FTB, been looking for house since Jan already had 2 fall through for different reasons! Finally found one we love, but it's next door but on to a pub. We've been told by another estate agent that we may struggle to get a mortgage on it? Does anyone if this is true? Don't want to…
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fixed rate comming to an end- any advice?
My 2 year fixed rate is nearly up, so obviously my partner and I are concerned, interest rates have gone up so it is certain my payments will too.Has any of you mse's got any sound advice for me? My partner mentioned the other day about seeing a mortgage adviser so i guess thats what we'll do but any info or advice would…
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Help with Fees then taken back?
Hi Guys, Hope you are all well. First of all sincere apologies for not having gone through all the threads, I have just had a car accident and I am moving on Friday so not in best frame of mind! I took out a mortgage with Northern Rock in May 2005 where they 'gave' me £1000:00 towards moving expenses. I am now moving again…
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Hidden Brokern Interest Charges on Remortgage
I've just recently completed this month a fixed remortgage with Brittannia. They have written to tell me that the new rate of £ 698 / month, will start on the 1st of November, however, they will be taking over double this on the 1 st, due to 'brokern interest' of a part month, i.e. 1428 !!!. My previous fixed mortgage with…
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So self cert means I merely tell them what I earn?
I am about to remortgage as our current deal ends in Dec and in the last couple of years I have left gainful employ and become self employed. My understanding is I need a self cert mortgage and I also believe I just tell the lender how much I earn with no check on their part as to whether this is true. Have I read this…
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Lack Of Info From Halifax
I believe I have been conned by the Halifax. They gave me bad advice on the phone, telling me I was safe to stop mortgage payments for many years because I was so far ahead with my mortgage. This is because when I was in full time employment I never reduced my monthly payment when mortgages came down. I was paying at least…
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Closed Bridging Loan & Mortgage
Hi, I have negotiated a very favorable price with estate agent and looking to proceed very quickly with getting finances in place. I need some advice about how I can find the best deal for a closed bridging loan (and a mortgage that pays off loan). At what point do I get a survey carried out, will this this be at bridging…
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Bad/No credit, but large deposit. Any hope?
Hi There, Was looking for some advice for the multiple experts that reside on these forums! I am 28, from the UK, and have lived in Ireland for 4 years. A have recently come in to a considerable sum of money (£150000) which I want to use for a deposit for a flat in London (I am moving back to the UK next year.) I have 2…
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I want to self certificate - has this got harder due to credit crunch?
I and OH would like to move in 1 year's time to a bigger house, and as we are self-employed we would like to self-certificate. The main reason for this is because we would like to borrow as much as possible. We have a large deposit (approximately £140,000 equity in our current house), and would like to borrow around…
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My mortgage with GE Money nightmare!
Hi Sorry, this is long-winded.....but I'd appreciate advice. I originally mortgaged with First National who were great to deal with and I had a three year fixed rate which ended last year, then they were taken over by GE Money shortly afterwards. My Mortgage is now on a variable rate and like everyone, I've been suffering…
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Anyone had a Mortgage PULLED at the last minute?
Just been reading how mortgages have been pulled from buyers days before they were due to complete, having the buyer lose their deposit, admittedly they are saying it is more of the sub-prime lenders, however I am concerned as I am about to exchange.
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Will i get a mortgage??
Hi, I need help. I have a student debt of 15000 pounds (10K credit card and 5k loan) and i pay 500 every month on interest and loan repayment. Though i have debt i always pay them on time even if it is only minimum payments. I have now stared to work with a salary of 32K. I want to know if i will be able to get a mortgage…
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mortgage break when selling and out of country
Anyone got any ideas if its ok to take a mortgage break if you are selling your house, but will be out of the country at the time? Got a job offer abroad at short notice, the only way to do it is to go there and sell house whilst there, wages won't cover the mortgage payments though :(
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B2L Long Term Fixed Rate Mortgage
Hi all, first time poster. Does anyone know of any long term fixed rate buy to let mortgages. Would prefer to have the rate fixed for as long as possible, at least 10 years. Any help greatly appreciated. Thanks Neil
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Urgent Advice Needed
Hi this is my first post to the forum, i wish however it were under better circumstances. I've been living abroad for a long time and came back last week to what seems to be a disaster that my mothers finances have turned into. The problem is as follows. Earlier this morning she received a solicitors letter stating they…
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Best buy-to-let mortgage?
Which is the best buy-to-let mortgage or mortgage deal in the market at the moment? Thanks for your ideas. Chipotle
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Retaining Small Mortgage - Pros & Cons
We are in the fortunate position where we could choose to pay off our small mortgage should we wish to do so (without penalties). Someone has mentioned that there are advantages in keeping a mortgage no matter how small & they said they had been told one reason was something to do with not having to sell the house to free…
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Can i get a mortgage?
Hello I have looking at this site for a while but this is my first post, would just like to say i think its a wonderful place with some very nice people on it. I would like some help/Advice on mortgage's. Me and my partner earn a combined income of £24000 a year, She has a good credit history and no outstanding debts. I on…
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Interest Only mortagage Advice
Hi I am a first time buyer looking to buy a flat with a friend upto £200,000 I saw a mortgage advisor today and was advised to get a interest only mortgage as firstly repayments are lower and we are only planning to live in the property for maximum of 5 year. I was told we could get this mortgage based on credit and…
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looking for very long term fixed rate
Hello Does anyone know which lenders offer 25 yr fixed rate mortgages? I can only find a 30 yr one from Manchester BS. any info gladly accepted.
