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Bank Of England Doh
Just checked the BOE website to find that the base rate is going to stay at 5.5%. No justification going to be published until 26th Jan. It seems a bit silly as they have stated that the cost of living has gone up, last time i checked wages hadn't and they kept mortgages the same. Does anybody else think this is stupid and…
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Bank of England Rate Decision.
It's a hold at 5.5% http://www.bankofengland.co.uk/
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Curb Side Valuation
Hi All I am in the process of remortgaging with Natwest and also getting extra borrowing from them. They advised that they only require a curb side valuation to proceed. I have advised that I would like a full valuation as I dont believe a curb side valuation will give the true cost of my home as I have had a lot of…
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Business Mortgage arrangement fee
Posting on behalf of my Sister If you take out a business/commercial mortgage shoul the arrangement fee charged by the bank be a percentage of the mortgage or a percentage of the purchase property? Can anyone tell me if there is a definitive answer or is it up to each individual bank? My sister put an £80,000 deposit down…
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a second charge
Morning everybody, im new to this forum, please be gentle.... About five years ago, we purchased our first house with a little help from a housing assc. Well they came up with 25percent of the house, to help us make up the deposit. We pay our monthly mortgage to the bank, and we dont have to give the housing assc anything.…
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Out of date endowmwnt claim
Hi I am a newcomer to the forum chat and may get a bit gabby till I get the gist of it.... So have 2 endowments with Frieds Provident 1 has matured and 1 I surrendered. not for great amounts £3000 and £1000. both of these had a shortfall on them. I have just tried to reclaim my shortfall only to be told I am out of date…
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Re-mortgaging - help needed!!!!
Hello, i hope you can help!! thank you in advance:beer: My partner has a mortgage on our house, we have had it for 3 years this month. When we applied for the mortgage in joint names it was impossible to get one with me on it as i have 2 ccjs and about 3 defaults, however my partner had no ccjs but did have 2 defaults. My…
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Mortgage Free
I am now mortgage free,:j the house is worth about £300,000, My wife and I are in our late 40's, we have a combined net income of about £30,000, Our only outgoings as well as the usual utilities is the car at £259 a month, our medical insurance £70 a month and a life insurance policy at £20 a month. Is there a best way to…
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payment holiday
we've recently had our first child (what a whirlwind ) and things are a little tighter now i am thinking of taking a mortgage payment holiday for three or four months to free up some money to pay off some money owed on a credit card and to pay off a loan things would be much more comfortable if we were'nt paying out so…
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Could I Be Declined A Future Mortgage?
Hi, I am new to this site and wonder if anyone could help me. I have been reading the article re: reclaiming over-inflated MEAF and am considering calling Halifax my previous mortgage lender to find out what i'm due. However, I know that I will be looking to change my mortgage again the next 3 - 6 months and am wondering…
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MEAF's - How far can you go back
Does anyone know how far you can go back to claim these MEAF charges. For eg our first mortgage was taken out in 1992 with Barclays. Is there a limit to how far you can go back.
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what do I do ??
i have a endowment that willmature in 5 years , I have sold my house and all I would like to know is Should I still keep and pay it or get rid ???any answers please:eek: Thanx :beer:
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Btl Re-mortgage Advice & Tax Rules
THIS IS OUR CURRENT SITUATION. 7 YEARS AGO AFTER OUR FIRST SON WAS BORN WE DECIDED TO BUY A SECOND TERRACED PROPERTY TO RENT OUT, BUT WITH A VIEW TO MAKING MONEY ON THE BRICKS & MORTAR THAN ANY ANNUAL PROFIT ON RENT. MY HUSBAND I A HIGHER RATE TAX PAYER AND I WORK THOUGH PAY 25% TAX. WE BOUGHT THE SECOND HOUSE FOR 53K AND…
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mortgage net profit or gross incomeHELP
Hello I Am Self Employed And Need To Find A Mortgage That Is Calculated On Gross Income Rather Than Net Profit Can Anybody Help?
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Mortgage applications when on Maternity Pay
Hi, I am new to this so please help! I am currently off work (maternity pay finished at the end of Dec). I am on a full time wage (using up Annual Leave) until I go back to work at the end of Feb. My husband and I are re-mortgaging and looking to borrow a bit more. When they ask for your last 3 months pay slips (all of…
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Help!! I'm being charged 3 grand to pay off my secured loan early
I'm in need of desperate help. \\\\about as year and a half ago I got a secured loan with swift advances to pay off my IVA as to stay in it would have cost me a fortune. Now we are starting to get ourselves back on track and we want to build an extension on the house and so want to combine the secured loan with our…
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can i reclaim these charges?
please can somebody advise whether i can reclaim any of the following charges made by my mortgage lender when i switched to a new deal (i didn't change lender): transfer fee of £395 reservation fee of £199 completion fee of £120 much appreciated.
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how to re-mortgage + raise more funds if you are self -employed
Please can anyone shed light on how this situation can be resolved...We are a new start up company with 5 months of accounts. We have funded the company's start-up & growth (and ourselves) from savings so far and have not drawn a salary and we don't want to for another year, possibly. We live in a house which has a…
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Run a business and in need of mortgage... don't know where to begin!
Hi I run a small business with my partner. We've been renting a flat for years now and frankly I am fed up with putting food in somone elses cupboards and want to buy our own residential property now. Our business is a Ltd Company, employing 6 people full time including ourselves. We've got 3 years accounts. I have done a…
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overpayments with nationwide online banking
My first mortgage payment is this week so its quite large with the initial interest on it so no overpayments this month. However in the future I am hoping to make quite regular overpayments if there is spare cash. I just got the nationwide online banking activated but there doesnt seem to be any facility for making extra…
