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Coming off a 3 yr. fix... Advice needed!
Hi All, Coming to the end of a 3yr fix (expires in Mar) @ 4.9% with Stroud & Swindon. Have seen they're offering a 5 yr fix that tops the Sunday Times best buy chart. I might be sounding like an idiot here, but if you remortgage with the same lender (after the fix expires, they move you to their SVR), do you get clobbered…
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Remortgage with C&G stalled!!
Hi, We are currently trying to remortgage with C&G through a broker. We started the application process on 15th November online at the brokers office. We have to date received a letter confirming information i gave on my partners behalf. I have not been contacted for a valuation and my broker dosen't have any further info…
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Mortgage offer withdrawn - exceeding overdraft!
Help! We've paid for surveys (extra engineering survey as requested by lender), had electricity, central heating and damp surveys, and generally considered our purchase well down the line to exchange. L & C organised the mortgage with Godiva who, as I understand it, take on high risk (like my husband, not being in the…
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Black and white Mortages
News on the wire this morning is that a Staffordshire Brokerage called Black and White Mortgages have been raided simultaneously by both the FSA and the Police. Borrowers who have used this company in the past should watch this space for info.
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Mortgage Indemnity Guarantee
Does anyone have any experience of contesting a Mortgage Indemnity Guarantee? My house got repossessed around 15 years ago. I was told I had to buy a MIG when I took out the 100% mortgage. When I couldn't keep up repayments my house was repossessed and then sold, I guess the bank got back the balance through the MIG as…
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buying as an individual or as a LTD company
is there much difference in terms of lenders on offer and rates between buying in my own name or that of a uk ltd company?
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Mortgage arrears? ISMI the mortgage safety net ..
the mortgage safety net or Income support for mortgage interest (ISMI) can be claimed after nine months of JSA up to a maximum mortgage sum of £100,000. The lender has to agree to terms of ISMI & can be a god send in helping you stay in your home untill you get on your feet.. hope this helps you if like me you are faced…
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Mortgage and House insurance
Hi to all, Having been reading all about reclaiming of various charges, I was wondering ??.. Have recently paid off my mortgage after 30 years or so.. and during that time I was penalized 50 p per month initially,( it went up over the years), because I did not want to get my house insurance through the ( lender C&G ). In…
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mortgage and income protection
when i remortaged with abroker they sold me a mortgage and income policy witch itold them i didnt want this was aswell as a normal policy witch you take out with your mortgage,the policy witch i did not want happens to be one of the brokers own policys ,so they sold me two when one would have done and sneaked it in,can…
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Advice on sole mortgage.
Just a enquiry really. I am gonna start in the new year to rent and start to save for the future and was wondering what I need to be earning to realistically be able to afford a mortgage on my own. I dont really want to leave myself no money if I cannot afford it. I can be earning £25,000 a year in the near future and…
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Mortgages and short leases
My fixed rate has ended and I now have huge repayments and can't remortgage as my lease has dropped below 60 years. I need to renew the lease asap to either remortgage or sell - does anyone have any experience of this process? Is it REALLY expensive?? Thanks
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First time buyer…Advise needed
I am looking to buy a property and I am on 32K sal. I have only recently (Just 1 month) started to work on a perm role. I am looking to buy a property under 120K. But do not have a deposit to put down. I have 12000 o/s on credit card. I need to know if I will be able to get a 100% mortgage ( without any brokrage charge for…
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shared ownership mortgages - help
Does anyone have any advice on shared ownership morgages? Who does them and are they worthwhile for first time buyers?
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Cemap 1 Studies
Hi all, This is my first post so apologises if this is in the wrong area. I have just started self studying the CEMAP 1, after purchasing the module from IFS learning. I am just after some advice from those who have studied this. How in depth do I need to go on each topic?Do I need to learn each point 100% for example that…
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fao brokers/advisors; buy-to-let hotel room finance?
Hi, any advice or help apreciated. I was wondering if anyone here has any experience of supplying or would be able to supply a mortgage on a buy-to-let hotel room? If so what sort of rates would we be looking at? thanks
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Getting a new customer rate as a remortgage?
Hello all, I've currently got a mortgage with Nationwide which will expire in a couple of months, and notice the rates they have for existing customers and new customers are different on their tracker mortgages (for £599 reservation fee, the rate is BR+0.08% for existing, and BR -0.07% for new). Has anyone successfully got…
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NR remortgage - timing
Hello all, Bit of quick advice needed - we want to have some renovations done to our flat (new kitchen/bathroom/rewiring etc.) which will cost just under £30k. We are about 3 years into a 5 year fixed deal with NR at 5.8% (or something close to that) with £59k outstanding. The flat was valued at £90k when we bought it 5…
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Advice Please
hi i am looking to move house i am after some advice reference the best mortgage deals available to myself i have looked on money supermarket.com would i get a better offer(deal0 if i went to a whole market financial advisor? thanks in advance brett
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Mortgage Deed Restrictions - Charities Act..
.....am in the process of remortgaging and almost at the final hurdle. The only problem seems to rest with 2 restrictions on the deeds which are now an issue. The current Solicitors have noted that this relates to the previous owners who were a housing association. When I purchased the house in December 2005 this was not…
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6 week bridging period, what are my options?
hi, we are currently in the process of trying to buy a new build house in scotland. there is an incentive of £20k discount on the property to complete legalities and move in by 21st Dec. I am also currently in the process of selling my property and hope to be in a position to sign the missives and move by this date. I…
