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eh! is this right?
can anyone clarify if i can reclaim anything on my previous morgage it does seem rather steep for leaving i left i july it is with morgages plc i had a 2 year fixed rate but i was tied in for three years(didnt know about that) : "balance brought forward at 1st jan 2007 £65053.54 advances made £0 interest to 31st july 2007…
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Natwest overpayment !!??
Hi Guys, I've been calling Natwest asking about overpayment issue, those idiots just keep giving me different answers, and complete waste of my phone bills.. Anyway.. . We've overpaid 19k last week, and received a letter specifying the reduced monthly payment, which is fine, detailed that we've outstanding balance the same…
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Shared Mortgages?
Hi all- wonder if you can help. My husband and I are both in our 20's and have been renting privately for 4yrs. We have decided it is time to buy our own house, as we are hoping to start a family soon. We live in Hertfordshire, and have a joint income of about £35k so could not get much of a mortgage. However, my brother…
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On benefits, re-mortgage possible?
Hi,due to disability i am unemployed & receive Disability living allowance, incapacity benefit & income support. This comes to a total of £8.865 per year. I have a mortgage on which i owe £46.500. My house is worth an estimated £175.000. I currently have a mortgage (interest only) with Kensington mortgages.(been with them…
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Early Redemption Charges
Hi I wonder if anyone out there can help me. I got myself into some financial difficulties last year after buying a house and was forced to see it by the mortgage company or face repossesion. I went to court and they gave me a month to sell it which i did. I then paid all areeras from my deposit but the also took £15,000…
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What happens when a fixed rate deal comes to an end?
Hi Everyone I am asking a query on behalf of my cousin, and wondered if anyone knew the answer please? I will give you some background on her situation. She is a single mum to a gorgeous little boy and has a mortgage with Brittania. She is on a fixed rate deal which finishes (approx) January 2009. When she applied for the…
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Mortgage Offer Date Not Long Enough - Nationwide
I am in the process of buying a property and have had an application accepted for a mortgage by Nationwide. In my offer letter it states that the offer is valid for six months. Unfortunately it has now arisen that this offer will run out before I can complete the purchase. It runs out in March and I will need to complete…
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paying off some balance before remortgaging
Im coming to the end of my 5 yr fixed deal and have some savings i'd like ot pay off the balance before taking out a new mortgage, whats the best way to go about it? I spoke with my current lender Bristol and West and they say theres a 5% fee for making an overpayment (its less than 10% of the total balance), so to pay off…
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Fixed Rate - arrangement fee?
Hi I have a fixed rate mortgage with NatWest which is due to expire soon. They have sent me a list of their current fixed rates, 5.69% (£999) and 5.99% (£699). I am in shock. The last time I fixed my mortgage was 2002 and it was for 5 years. Now they are offering me the same rate of 5.69 for 2 years and I have to pay £999…
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Serious FTB - 100% mortage assistance
Hi All, first time buyer needing mortgage specifics ( sorry for the long read in advance) My partner and I have finally found the property that we love and have taken the next step and made an offer on said property and it has been provisionally accepted House price: £234,950 Our details: Gross total income: me £45k +…
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Woolwich mortgage since move to Barclays
I have a Woolwich offset mortgage and had the obligatory openplan account. I could move money from this account into my Woolwich mortgage same day. Since I was forced to move my account to Barclays, post-merger, payments made from the Barclays account now take about 3 days to arrive into my mortgage account. I know that…
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Making an overpayment on my mortgage
I recently had the good fortune of being able to make an overpayment on my mortgage. The T&Cs of the mortgage says that I can overpay 10% of the original loan taken out. So, I sent them a cheque and asked that as this was an overpayment, I would like to keep my monthly direct debit at the figure I have been paying for the…
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Remortgage, some help please
Hi, My 2 year repayment mortgage is about to end and I'll looking for the best deal around. Thought you helpful people on here might be able to point me in the right direction.;) Thanks in advance.
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Mortgage ending, Final Mortgage admin fees??
I was wondering if someone could offer advice, pleeease? Our mortage is coming to the end of its 25 year term this month. We have received a letter from Abbey, stating that there is a Final Mortgage Administration Fee due before the loan closes of £95.00. Is this the norm when all mortgages come to their end? I there any…
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What are pitfalls to Equity Release
This is our situation, We have been short of money for many years, This site has helped me more than anyone can emagine. But we still don't go on foriegn family hols and have had no spare cash for the finer things in life. The house is getting to a state were we need to start and spend money on it. ie new windows, and most…
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Fixed, tracker or discount
Hi all. Our existing mortgage is up for renewal in a couple of months, and our lender (coop) has given us the options to move onto. There's a number of choices to consider. I know a lot depends on personal situations, but what is the general feeling on market conditions at the moment? Which of the three options are…
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Portable Mortgages
we are thinking of moving house and have at present a portable mortgage. Can anyone tell me if the amount ported to the new mortgage is the outstanding amoun or the initial amount. Thanks
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Mortgage company problems
Hi I am having a problem with my mortgage company. Basically I am in the process of selling my house and am the stage of just about to exchange contacts but my mortgage company is not happy. I lost my job in September and because of that and other reasons I put my house on the market, found a buyer straight away and…
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Early Redemption Fee
Hi, I want to sell my house, but will be charged circa £7k in early redemption fees if I sell before my fixed rate period ends in July 2007. Is there any way at all around this ludicrous fee? Please help! Thank you. ECM
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Bad Credit - need Mortgage - HELP
Hi all I am hoping someone can help me out. My partner and I have bad credit ratings (defaults) we have never been bankcrupt, but we are finding it really hard to be exepted for a 100% mortgage. We have tried, northern rock, royal bank of scotland and our own bank Natwest, where we have an excellent record with. Does…
