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Help needed - separating with a joint mortgage
Husband left a couple of weeks ago, we have a joint mortgage but because he is no longer living in the house he says he is no longer liable to pay it. Is this right? We have 2 small children and I am unable to work due to a long term illness.
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Looking for new mortgage
Hi looking for new Mortgage sold last year now renting( does that make me a FTB? ) Looking to buy house about £150000 put down £61000 so looking for a £89000 mortgage I need to keep monthly payment LOW as possible maybe fixed if possible income £35000, joint mortgage 36year old and 42year old what is the best way to keep…
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Natwest HLC? Help Please
Hi Everyone I could do with some help if possible. My mortgage deal with Natwest is coming to an end and I would like to stay with them, mainly because myself and my girlfriend have both started new jobs and they do not require me to prove my income. I am interested in their 10 year fix rate remortgage at 5.85%, it says…
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Can I get the mortgage but put the house in someone elses name
Hi everyone. My partners parents have their house (which is paid for) up for sale for £250,000, however the house they want to move into has come on the market for 130,000. Having recently sold my house and living in rented I have 70,000 I can get hold of. I would have to borrow 60,000. My question is can I get a mortgage…
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BTL deal!
http://www.coventrybuildingsociety.co.uk/mortgages/AccountSummary.aspx?Socseqno=1&PCode=BTZ27 Hi Do not know how to put this in as a link - what are peoples views on this product as a means for a buy to let re-mortgage? It means I do not have to do another deal in 2-3 years time which means more arrangement fees and more…
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Should I switch mortgages?
My 3 year fix rate mortgage at 5.3% is due to expire in Janurary and with all the news at the moment of the soaring rates on fixed mortgages and the additional cost of fees to switch should I leave it before I switch? I have made an appointemnt with a mortage advisor, but throught any other views may be useful. Cheers
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what do I do now ??
In the process of changing over mortgage lenders as we have passed our 2 year deal. Spoke to our financial advisor on Monday as soon as I had the new paperwork through to ask if all figures where correct as we don't want a huge shortfall fromthe solicitors . No problems was his answer you should be quids in..... So you…
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Remortgaging a 'split' mortgage (dates vary)
My wife and I took out our first mortage with Scottish Widows (terrible service) in Aug 2006. We're both junior doctors with a decent income; and needed a 69% LTV to buy our home. At the time we arranged a 'split' whereby (a) ~£165k was at a fixed rate 4.79% until May '08 and (b) ~£60k was at a tracker rate (BoE + 0.5%)…
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Is 5.5% discounted a good deal
I am about to remortgage and have found a 5.5% 2 year discounted rate that will cost me £15 in total to move to. No lock in both during or after the 2 years. My mortgage is going to be £250-300k. Have <50% loan to value, pretty good credit history and ok salary so think am in a strong position. I see there are lower…
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Mortgage Offer pulled at last minute
Hi, I have just been through a lengthy process, (6 weeks), of attempting to re-mortgage. The broker I used had every piece of information required to get an agreement from the underwriters asked for before proceeding with the process. We were told that with all of the information supplied, if this would be backed up by…
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Impartial advice please - is this mortgage offer any good?
Is this mortgage offer any good for someone with a poor credit rating? We went to a mortgage advisor (recommended by a family member) and we were looking for a mortgage of £75,000, the property we are buying is £120,500. We specifically asked for a 3 year fixed rate, interest only, because we might move again after the 3…
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Re-mortgage with bad credit and working for an agency?
Hi, If anyone can shed some light on this I would be v grateful. My fixed rate of 6.69% with GE Money has now come to an end and I am now on the variable 0f 7.99% - an increase of £120 per month which with an extra p/t job is proving a struggle. I have a couple of defaults and I am currenlty on a temp contract at work…
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paying back insurance payout
Hi all, I wonder if anyone can tell me if I have been duped by a finance company. I bought a property on mortgage in 1988, at the time of obtaining a mortgage I was required to pay an insurance premium to cover the mortgage shortfall if I defaulted on payments. Due to ill health and loss of job, the inevitable happened, I…
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Can I Remortgage To Pay For Land In France?
I am retiring next summer 2008, but daughter and son have important exams so don't want to disturb them this year. I have found my ideal land abroad and want to buy it, as land values in the area are rising. I need £50,000 to pay for the land by January 08. Can I ask my mortgage company if I can add this to the mortgage?…
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Mortgage temporary employment contract?
Hi, I wonder if anyone can advise me. My partner and I would like to move house in the spring, I have a property to sell and we would like to get a joint mortgage together. The equity from the sale of my property would cover about half of the purchase price and we would be borrowing about 3 times our joint salaries for the…
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Yet another remortgage thread.
I'm considering remortgaging mainly in order to borrow extra money in order to modernise/refurb areas of my house (new bathroom as original is 80 years old/partial double glazing etc) so decided the time was right to find a better rate. Currently I have a NatWest offset mortgage with a balance of £84000 at 6.75%, 18 years…
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ReMortgage - Second Applicant £0 Income?
I am about to start looking for a re-mortgage. Don't currently have one just now, but need to raise funds for home improvments. Looking to borrow £50,000. My partner is a self-employed builder, and his accountant that prepares his books is rather slow in getting the paperwork together. As both our names are on the title…
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95% Mortgage required
does anyone know off any the top of their head ?
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Hinckley and Rugby Mortgage Exit fees Success
Hinckley and Rugby Building Society refunded £106 inc interest for the excessive exit fees charged last year when we redemed our mortgage. I used the letter template from this site and the cheque was sent through within 2 weeks without any querys. My thanks to Martin for this. Rgds:T
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Mortgage with bad credit
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