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natwest svr graph
does anyone know where i can get a graph for historic SVR for natwest, i want to see how closely/quickly it mirrors BoE
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Monthly mortgage payments through credit card?
Hi there... To start, I always pay the full balance on my credit every month. As such, I thought it would be a good idea to gain something from this. So, I applied and got the buy and fly points master card. What I wanted to know is if there is a way for me to pay of my monthly mortgage payments through my credit card? I…
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Are there any sites which show how a mortgage is calculated to eventually be paid off
Hi I have been calculating how much of our 25 year mortgage which was £137000 when we took it out 6 and a half years ago it has since been reduced to £118000 which to me seems really small considering we have paid almost £67000 in payments over this time period and only reduced the capital by £19000. I would just like to…
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halifax want more money
Hi just moved from halifax to a&l payed the 24 months on my 2year fixed.Now the halifax say i owe £420,the solicitors sent me the amount the halifax asked for which was paid.Do i have to pay this as i have already paid 24 installments.:mad:
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New mortgage but old one not on credit history
Hi, I've just done a credit check with all 3 agencies. In order of best scores, Callcredit was best, then Equifax then Experian. They all list credit cards etc that I've had in the last few years and they list my address and previous addresses correctly. But, none of them list my current account (& associated cards) -…
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Is there an ERC for changing the names on the mortgage?
My partner and I are separating. We are currently jointly named as mortgagees on the mortgage documentation. My partner is anxious to have her name removed from the mortgage deeds, so she can buy somewhere new, unencumbered by existing debt. I am happy to take on the mortgage in my own name. However the issue is that the…
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Help me understand my endowment statement!
Hi, I have been recently looking over my mums endowment mortgage to help plan for the future. Her last statement for one of the £5000 endowments (Scottish Provident) reads: Basic with-profits sum assured £1725 and Annual bonuses - 2006 addition nil, new total £1689.80. This may be a stupid question but can I assume that…
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First Time Buyer/Poor credit history
I am currently wanting to buy the house me and my partner are living in, as the landlord wants to sell up. My credit rating is very poor and my basic salary is fairly low and the majority of my wages are made up of commission and bonus. I know a lot of lenders will only take a certain percentage of this into account. What…
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Letter from broker re: Birmingham Midshires Mortgage
Hi All, I've had a letter today from the broker who organised my mortgage to say he urgently would like to see me about the mortgage for a 'review'. The letter mentions all the recent concerns about the sub prime market, etc. I've used the broker before and self certified my income. My income is very low for the size of…
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Mortgages & credit file
Hi, I wish to apply for a mortgage but have outstanding debt, due to stoozing (approx 30k). Would a lender reject an application for this? Also, when they do a credit search, do they base their decision on a number put forward by the credit agency, or do they do it by looking at what debt you have and with which lender?…
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Q about borrowing on mortgage to invest
I'd been plannig to sell my house, which cost around £50,000 and is now worth about £150,000, and renting for a while, and trying to invest the profit while the housing market settles down. I've now been pursuaded that if I want to invest I'd be better off keeping hold of a property and borrowing against the value, then…
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broker commission on same lender remortgaging
Do lenders pay commission to brokers for retaining customers? I have a fixed deal finishing soon and want to know if the lender would pay a broker commission for sorting me out a new deal with the same lender.
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need to help my sister keep house!
Hi need some advice please. situation is my sister brought a house with partner 2 years ago due to pregnancy. Now has a little boy and ofcourse the partner left. Through much legal wrangling she has secured sole ownership of the house when the fixed rate ends on 31st january 2008. She is now looking to remortgage with only…
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Re-mortgaging, worried about 5yr offer
Hi First post here!Me and my husband are 65 and he is coming close to retirement.We are currently struggling a little with our finances, and also have our house up for sale and hope to sell witihin the year, however during this time we still need to live so have decided to remortgage our house so we can have money for the…
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Getting a mortgage while on maternity leave
Hello, My husband and I are looking at moving house and so will need to increase our mortgage by around £25k. I am currently on maternity leave as I am due to have a baby in about a week so have a lot longer left on maternity. I was just wondering if anyone has any experience of applying for a mortgage when on maternity…
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Re-mortgaging
Hi, I thought I would put some figures on here and hopefully get some good advice as to what to do with re-mortgaging. My 2 yr fixed (4.24%) is ending at the end of the month, the mortgage is for £88,000 over a property of £140,000. Just seen an IFA who recommends that I stay with Alliance & Leicester and take their 2 yr…
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What is the best mortgage?
We owe £55,000 to the Abbey. At present we have an interest only mortgage after having some problems when my husband was out of work. We are now in a position to renegotiate with them for a new mortgage. My husband is 56 and we would like to clear the debt in ten years maximum. What type of mortgage would be best? Any…
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please please help repossession
Hi long story Trying to be short. But please help My husband died nearly 2 years ago. The mortgage is in his name. I havent had the money to transfer over to me. I do work. In january last year the house was repossessed. I went to court and an agreement was made where i would pay so much off the arrears. This year I have…
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arrangement fees vs no arrangement fees
Im looking around to remortgage in early 2008 when my 5 yr fixed term comes to an end, and looking at most companies they offer 2 mtg's for most deals, one with arrangement fee's etc and one without. The one without rate is slightly higher, im guessing the fees are sort of incorporated into it somehow? Is there a rough…
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ING (re?)mortgage bonus
Hi there A few weeks ago I got a leaflet from ING promising a £500 bonus if I mortgaged/remortgaged (?) with them before the end of the year. I seem to have misplaced it and it apparently had a code that you have to quote when applying... :confused: Would anybody have the code, please? Many thanks! Dieithryn
