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Mortgage Advise
Say for instance my partner and I (not yet married) are looking to get a joint mortgage. One partner is debt free, the other has debt. Would you be rejected in terms of getting a ‘joint mortgage’ ? Or can the mortgage go in one persons name with combined earnings of both people ? We both earn combined 60k.
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Endowment Scandal
Anybody sold an endowment for there morgage, before August 1988, cannot claim they have been missold, and there is nobody to turn to for help. Perhaps Im wrong and you know something I do not, I have tried to get Martin and his team involved, but have been told he is too busy, this needs the help of the media, and I feel…
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remortgage advice
We’re nearing the end of our fixed rate mortgage with Abbey and im currently seeking some outside advice. If im honest I really didnt have a great deal on involvement with setting up our mortgage It was left between the misses and the independent mortgage advisor. We purchased our house @ £150k with a fixed rate of about…
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95% mortgage - best rate?
Hi all, Just wondering what are the best rates going for mortgages with a 5% deposit? Who are the better companies for these mortgages? Cheers in advance.
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Mortgage BTS Query
Hi there everyone, thanks for reading my first post :) My parner and myself are attempting to buy a property below market value in order to re-sell as soon as possible, we've been having the most atrocious luck so far. The property is Valued at £250,000 and we can get it for £195,000. We went through a very reputable…
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moneysupermarket.com
I have been given a remortgage quote with the Coventry Building Society from moneysupermarket.com which is a very good deal. Has anyone used moneysupermarket.com to sort out their mortgage before? Are they ok? I've been told I will be charged £495 on completion if I go with this deal thru them but what is stopping me going…
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Northern Rock 125% LTV
I am curious about my situation with Northern Rock and hoped somebody might be able to help... I took out a mortgage with NR in June and alongside I had a £30k unsecured loan. I was told by PayPlan that the unsecured loan might not be unsecured after all and that they would treat it as a secured loan. I am looking to sell…
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Mortgage Advice
My fixed existing mortgage is coming to an end and not sure what do to. I have the following.... Outstanding Mortgage is £103,000 Credit Card £1200 Savings £17,000 ISA £3000 Idea 1 Interest Only Mortgage Put £17,000 into a High interest account Pau off some of the mortgage each month if i can afford to. Idea 2 Repayment…
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any one heard of these paaleads.com???
Hi all Yesterday i ws online searching for adverse credit brokers for a remortgage as my GMAC deal has ended and my payments are going up by nearly £185 a month due to the arrears we have, we were strugglying before but now i just don't know how we will keep up, anyway went onto a few sites asking for someone to get in…
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Self build (self cert) mortgage, advice please.
Hi all, My wife & I are lucky enough to own a large end of terrace house, that we have managed to obtain PP for demolition and rebuilding into 3 flats, although we have a little money saved we need to borrow the bulk to achieve this, I have been self employed for years and have only recently managed to restore my credit…
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Remortgage or new mortgage
A relative of mine is splitting from his partner and the house is being sold. He will end up with about £40,000, and would like to stay a property owner. I am considering buying a house with him, he will put in his capital and I will fund the other £40,000. Am I better raising the money for my part by re-mortgaging my…
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Do I need mortgage and income protection
I'm new to this so please be patient with me. What is the difference between mortgage and income protection and do i need both. I work in Local Government with a descent sickness policy first 6 months full pay, second 6 months half pay. Thanks nevherod
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Advice or support re shared ownership please
(Apologies for length, but am trying to anticipate some questions) Background: I am 36yr old single mother with 2 children - boy 14, girl 7, currently living in 2 bed council house where I've been for last 9 yrs. Currently earning £27k, with additional income (maintenance, child benefit, tax credit) of £7k annually.…
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BTL mortgage ltd company
Does anyone know of any mortgage providers who lend to Ltd companies. What are their rates and the LTV they normally expect?
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Do you want help in reclaiming your mortgage exit fees?
Hi all We are looking for people to come on Martin's new TV programme, It Pays To Watch, this Wednesday afternoon (9th at 2pm ish) to show them how easy it is to get a refund of Mortgage Exit Fees (the fee for moving or closing your mortgage). So if you fancy being on TV, can get to London and have moved or paid off your…
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I Want A Buy To Let Mortgage To Pay For My Mums House
I want to a buy to let mortgage so i can pay for my mum and dads house, and allow them to have the money and the freedom to enjoy life. so our financial situation is hubby £19,000 me £6,000 we have a mortgage £52,000 got ten years left we pay £550.00 house is worth approx £130,000 so the idea would be my mum and dad would…
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Open Market Home Buy Scheme
Hello, I have been reading about the Open Market Home Buy scheme on the http://www.search4myplace.co.uk/Data/ASPPages/1/12.asp website the downloadable pdf file is 31 pages and seems damn complex. Anyway I was wondering if anyone who is familiar with OMHB scheme can advise me if I understand the scheme correctly? I tried…
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Unit linked Allied Dunbar endowment Insurance
I have been told that I have 1250.96 units of Allied Dunbar (Zürich) whatever. The current value is said to be £33.5K, which can go up or down. Is there a way of checking the progress of these units?? Is the value likely to go Up or DOWN? Any help most appreciated. rgd Seb
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Court order for maintenance?
Trying to get my debt down (!) salary up (!!) and multiples working (!!!). My income up to now has been a little bit paye, the majority contract work, and the rest in child maintenance. In mortgage terms, therefore, I can get about £17,000!! Hence our mortgage multiples being worked out on my partner's income! I've now…
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remortgaging advice
I've posted on the mortgage free site but i need some advice on it . I'm now remortgaging at 5.84% its a discount rate for the remainder of the term so here's the figures house value £150k remortgage £64000 interest only £35000 repayment £29000 8 year term until endownment matures but want to make overpayments to reduce…
