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right to buy first time buyer
Hi I have the right to buy my housing association flat that I have lived in for 7 years. I have been granted the maximum discount of £34,000 off the market price. I have been told a mortgage company will consider this a deposit. Please can someone advise me if there are any low rate mortgages especially for right to buy…
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Advice on mortgages please !
Any advice appreciated !! I am considering applying for a mortgage as am sick of renting but do not want to waste my or anyone elses time, can anyone advise if there any companies out there that would consider a mortgage application for a 29 year old with no savings and a certain amount of spending on her overdraft/credit…
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First time buyer advice.
Can anyone recommend who would be best to go for on a good deal for a first time 100% mortgage on a 2 yr fixed rate? Thanks!;)
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Buy a leasehold business - mortgage?
Hello, I'm looking to buy my first business (I was thinking about leasehold) My current income is very low - will I get mortgage based on my annual income, credit profile? How much deposit I have to put aside 10%, 20% to get it? I was looking at lease up to 100k thank you
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Mortgage issue with BM solutions,
Can anyone help ! I have a mortgage of £55000 with BM solutions and so far been happy decent rate etc. We want to move house and we accepted a part exchange with Bellway for a new build. We had to use there brokers as one of the terms however if we find a better way elsewhere we can go if they cant match it. On the day I…
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Switching mortgage deal with Abbey
Hi guys. I'm keen to switch my existing Abbey mortgage to one of theirs which will allow me to make overpayments, as the boyfriend and I would like to try and cut the remaining term down by a few years. I just wondered if anyone had any advice or pearls of wisdom before I phoned them to make enquiries. Are they likely to…
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Remortgaging - at what stage can you pull out?
hello, I'm new on here I recently started a remortgage process to transfer my current mortgage to another company, I signed some document with a mortgage broker, the company sent someone to value my property and the company has sent me literature asking for certified copies of id, leasehold, insurance and a mortgage deed…
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options kensington
Hi asked q before but didnt get answers to it. Hope someone can help. I have a kensignton mortgage, tied in until june 08. I have a ccj in 2004, for 4 k. What options are there for me to get out of kensington, who can i go to? my mortgage is now 10.45%, never missed a payment. But they hammered us after first two years…
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Selling Endowment
I am thinking of selling a with profits endowment,any advice
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Miss sold my mortgage??? Advice please!!
When I was buying my house in 1997 I got a financial advisor from Lloyds (C&G) in to give me advice on the type of mortgage to go for. We wanted a repayment one due to the scandle of endowments. We got a quote for one, said yes, applied and went into the local Lloyds branch (the mortgage is with the C&G) to sign the forms.…
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Should I save or pay off my mortgage?
Hi All I was wondering if someone could give me some advice with what to do with some money I've come into. It's currently sitting in my Icesave account which is currently at 6.1%. Should I leave it there, or use it to pay of a lump of my mortgage? My mortgage is with Skipton & is fixed at 4.45% (though my deal ends on…
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Legal support to take a claim to court
Does anyone have experience / know of solicitors who are setup to pursue claims in court. I have been through the full Ombudsman review, and narrowly missed an upholding of my complaint, quote "normally such a view could lead to conclude that the complaint should be upheld............but, in common with English Law, the…
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Why was 'mis-selling' invented?
That's to say, how was the concept of 'missold' products introduced into the mortgage endowment minefield - and was it thought a 'clever' idea at the time by effectively creating categories of customers whose discontent could be bought off - whilst leaving all other customers stewing? Was there any discussion between the…
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Buy to let mortgage
Hi all, sorry to repeat this if I have. i cant find my previous thread. A buy to let apartment I have had for a couple of years that has cost me money every month since I got it is now up far sale; cold feet etc. The fixed rate mortgage is now a SRV and will cost me about £360/month as opposed to £160, over the rent coming…
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Bank Rate Predictions (+Recession)
So my partner and I have found a house we like and I will shortly (probably by the end of today) get a mortgage off in principal. I've been looking at the history of the base rates: http://www.bankofengland.co.uk/mfsd/iadb/Repo.asp And the current rate of 5.5% seems average over the past 10 years and quite low over the…
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Mortgage Advice Please
My situation is that my current 2 yr fixed deal (4.9%) is about to expire next month and we are considering moving house later this year. Im not too concerned about paying the variable rate for a few months but the concern I have is im not sure what value of house I should be looking at due to our circumstances. I…
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Joint to single Mortgage
Hi all I'm wondering if this is possible? Currently the house I am living in with my partner is in joint names and so is the mortgage. The discounted rate mortgage we have is up for renewal at the end of Feb. My relationship with my partner is not at all well so was wondering if it would be possible at the end of Feb to…
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Mortgage Lenders excessive exit fees
Hi, First of all I would just like to say a BIG thank you to Martin and everyone for giving the Banks 'what for' on excessive charges! Secondly, I'd like to add into the mix Mortgage Lenders exit fees (and I'm not talking about Early Repayment Fees). West Bromich are going to charge me £150.00 to send out an automated…
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£4500!!! ERP Charge
Hi, Rented a property out for just over a year ,Due to unforseen circumstances we have to sell up.But are tied in on mortgage till july. Prob a long shot but does anyone know if there is anyway this charge could be avoided. Thanks in advance x
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Mortgage required - is this possible with a DMP ?
Hi My husband and i are desperate to have a place of our own My OH is self employed and i work full time. I would think we would have to go down the self cert route but any help appreciated i am on a DMP and have been for approx 2 years paying £225 a month to my creditors. I have 2 CCJ's which are being repaid through the…
