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Advise Please
Hiya, My wife is going to be made redundunt on 14th Nov-she will get £30,000 payoff. My wife does not want to work for a while-we have Twins aged 2 and she wants to be around them while they are growing up. I earn £26,000 per year. I have a mortgage approx £76,000 and a credit card bill £5,986-credit card bill to be paid…
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Please Help! Stubborn Lender?
I am currently on a fixed deal with the Halifax, however my deal expires in June 2008. I have since accepted an offer on my property and have found the ideal house! Trouble is, there has been changes to our personal circumstances, income lower than before, also since losing my father last year, forking out expenses for…
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Remortage help
H So there I was in a IF set-up - moved to them a year ago on a 1 year 4.8% fixed rate with the expectation they would offer us options once the fixed rate has gone. Well having heard nothing i chased them up and they say all they can do is 7.2% variable - they must be joking! So i need to remortgage in 4 weeks or…
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surenda-link
help As anyone used these to sell there endowment with how was ur endowment handled;)
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percentage of salary that goes towards your mortgage
hi there i read something a while back that seemed to suggest that 30% was about the average amount now people were spending of their income on their mortgage. My husband and I are just starting a mortgage which comes in at 31% of our income- (income 2598, mortgage 803) - is this about the average people are paying who…
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I need urgent help
I have applied for a shared ownership house through the housing association. My application got accepted, everything was running smoothly until the housing association recommended broker starting laying back too much considering we were given a completion date. We missed the completion date and was then given a last…
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AWD Moneyextra
Just wondered if anyone had heared of these or had any experience with them? They have just offered me a re-mortgage of £168,000 interest only with Scarborough Specialist Mortgages Re-payments will be 24 payments of £949.19 (£190) cheaper than we are paying SMPL at the moment then 276 payments of £1,195.64 Any advice would…
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Mortgage Valuation Fee - Anyway around it?
Hello all. Reserved a new house at the weekend and trading my old one as part exchange. Probably going to stay with Nationwide, but noticed they will charge £485 for a valuation fee. They mentioned over the phone earlier that I could get this done independently. Is this true? How would I go about it? It would just grate me…
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Mortgage rate help.
Hope someone who has been in a similar situation can help. I have a mortgage split into two with Abbey as i added £30,000 at a better rate. This rate runs out in Feb where my entire £60,000 approx goes onto the basic rate. The thing is i have stupidly run into problems sinced then and am paying reduced payments on some…
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Can I get a new mortgage whilst on a DMP?
Hi there, Can anyone help me? I am looking to move house next year but I'm worried about not being able to get a new mortgage. I already have a mortgage of £185K on a flat that's worth at least £380k (this is with Nationwide). Trouble is we're looking to buy a family sized house for around £400K but I have a debt…
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Gmac Rfc
We have started to pay our mortage by debit card but are going back to direct debit after this little problem; My partner made a payment on our mortgage in October. At the end of October she made another payment for November and the lady on the telephone said, "So it's £600+" and my partner corrected her with the amount of…
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Can you get the money back
Hi everyone I'm not sure if this should be under Insurance however it is related to a Mortgage. I am also investigating on behalf of my Sister & Brother in law who are now well into retirement. Now they paid off their mortgage some seven years ago, which of course was covered by insurance as they were both self employed…
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Short Term Mortgage
Hello - I was hoping someone could give me a bit of advice!! Our house is currently on the market but our fixed term mortgage will become variable in December. Given that our mortgage is currently 112,000 we are a bit concerned!! We don't know whether to go with a mortgage lender and just transfer the mortgage with them…
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best mortgage for foreign wife
My wife owns 2 houses in UK (no mortgage) which she lets out and wants to get a mortgage to buy a 3rd. As the rent is her only source of income and because she is non UK domiciled is it very difficult to get a mortgage for another house? Ive got credit problems so I cant borrow for a while. I would have thought the banks…
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Helping a First Time Buyer.
My girlfriend and I are hoping to buy our first house next year. I've had some credit problems in the past - default notices, debt collectors etc, but no CCJs. All issues now resolved, all debts paid or repayments being paid regularly. That was 12 months + ago and since then I have been paying everything on time and have a…
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What to do?
Were comming to the end of our last deal (1mth to go ohps) but were thinking of moving so cant go for a fixed deal again. With a possability of relocating and rending for a while first were not sure what the best thing to do is. can any one help?
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Looking for a Mortgage
Hi everyone I have already given a £300 reservation fee for a new house. I am now looking for a mortgage. The house is part of a housing association which means i only need to get a mortgage which is half its value. The figures are as follows: Property Value: £170,000 Mortgage required: £85,000 Rent and service charge per…
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Looking for a Mortgage
Hi everyone I have already given a £300 reservation fee for a new house. I am now looking for a mortgage. The house is part of a housing association which means i only need to get a mortgage which is half its value. The figures are as follows: Property Value: £170,000 Mortgage required: £85,000 Rent and service charge per…
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Buy to Let?? No Income
Hi, I own a property in the UK but am currently living in Thailand. I previously lived in the property and have since gained permission to let with my existing fixed rate mortgage (4.55%), this comes to end early next year. I am a registered non resident landlord for tax purposes. Mortgage is currently around 380pm and I…
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Please help..
Hi there My sister and I have been asked by our parents, in order for them to afford to remain in their house in retirement, to consider buying their house on an interest only mortgage and them paying us a rental income to cover the mortgage payments. The information currently is fairly vague - myself and my sister have…
