-
any cashback sites for a mortgage ?
hello, is there any site like quidco which will give a cashback for a successful mortgage application ? thanks maveli
-
RE_mortgage advice please
:confused: Hi i/we are looking for some help. We are in our final year of Mortgage which is due to end August. But due to unforeseen circs would like to try and re-mortgage just now to release funds of £15000. Credit history isn't best. So loans etc.... out of the question. The only way poss is by releasing some funds from…
-
Survey
Trying to remortgage to clear some debts and am getting a survey done tomorrow. Am a bit worried that we wont get the valuation we need in order to get the finance we want. The flat really needs some renovation but we have a new bathroom on order (with help from family) and we'll be moving on to do the kitchen once thats…
-
Income Multiple Question
Hi there, what banks/mortgage companies, offer the highest income multipliers, i.e. some companies can offer 5 x salary for a single application or 4 x joint salary for a joint application, can anyone beat this? also what deposit is required, thanks
-
Mortgage advice - what would you do?
Right here’s my position, coming to the end of a fixed 5yr mortgage (4.75% with no tie in) in March and will have 20 years left to pay (under current circumstances). I let my spare room which gives me an extra £350 pcm and intend to use this to pay off more of my mortgage. I’m tossing up between taking one out over 15…
-
one months interest plus exit fee ?
hi, im leaving my mortgage company after three years tied in and they are charging a mortgage exit fee £250 and one months interest (675) pound. can they do this. i cant find my contract. please help
-
interest payments
Hi My payments are fixed for two years im on a capital repayment mortgage...... however when i looked at the payments table in the key facts illustration.... i noitced that the amount of interest fluxtuates and so does the amount of capital im paying off.... even though my payments are fixed ? anybody able to explain this…
-
I would like a mortgages first time buyer poor cridit
I have recently got discharged, and my fiance has poor credit rating is there any company would lend us mortgage, i'm sick of moving a round, and tryed for even council house but they never got back to us need help desprately, it would really be helpful if we could get 100% even at higer rate. I want my own home so that i…
-
My 85k mortgage and 65k savings???
Hi, My Leeds and Holbeck reduced rate mortgage is due to finish at the end of March and I'm looking to take out a 'One Account' style account. I'm self employed and have had a very good year. At the start of the year I owed 100k and started to overpay my £700 mortgage by an extra £1000 a month. This has reduced the capital…
-
remortgage
found website really helpful and decided to add my own dilemma- any help appreciated. deal coming to an end on together mortgage with NR next month and looking to move lender. balance of 165k on house worth 170k. good credit history. joint mortgage with husband. I earn about 34000 pa and he earns 35000 and we could pay in…
-
Re-mortgage Secrets?
Has anyone purchased the advice offered at: http://remortgagesecrets.co.uk/ It comes recommended by Amer Siddiq, a property tax adviser, who seems to be fairly well respected - at least judging by the number of references on the net, without any negative comments as far as I've seen. However, the advert for the advice…
-
BTL Re-Mortgage Advice
In March 2006 we took out a BTL mortgage on our flat when we moved in to a new house. I've been thinking it was a two-year fixed deal, so expecting it to expire in March, but a couple of weeks ago the lender (MAS No5) wrote to say the interest rate would revert to the standard variable rate on 1 Jan - so obviously the deal…
-
Youtube Video: You'll Like This!
US news item about paying your mortgage off quicker with overpayments. However, the guy featured spent $3500 on a piece of software to track his payments. He could have done that for nothing! :eek: Anyway, enjoy... http://uk.youtube.com/watch?v=90PgchHluM4 Ed.
-
short fall on mortgage
I was wondering if anyone has any advice on this. sold my house 6yrs ago and had a short fall of 11,000 due to this i have an agreement with my lender to repay £138.00 per month to clear this off(they call it a Deed of Covent) i was under the understanding that it was for 10years but i have received a statement showing…
-
Nationwide deal
In April 2007 we took out a mortgage for £164,000 with Nationwide, we are tied in for two years at 5.44%. Since then we have both had rather good pay rises (new jobs/promotion etc) and are looking to buy a new house that will cost £267,000. Providing everything goes through on our current house (part ex with Barratt) we…
-
Help me to understand how mortgage interest is calculated?
Can some one please explain me how mortgage interest is calculated? I am currently paying a variable rate of 7.84% with my Lender. I rang them to enquire if i can fixed the rate for a number of years, info pack arrived today containing following info: 5 years fixed rate 5.85% and after that 7.59%. My current mortgage…
-
Shared ownership-to buy or not to buy..a further share?
I bought my shared ownership house almost 4 years ago. At the time the property was worth £120,000 and I managed to buy a 50% share with a small mortgage of £32,000. I am trying to weigh up the options of whether to either buy a further share in the property or to buy a new house all together. I earn around £18k so…
-
mortage registration with experian
hi everyone,need some avice pleae. I took ot a mortagage in 2003 with HSBC with a variable rate. due to rising rates, i am in the process of remortgaging. my financial advisor recommended C and G. Anyway they rejected my application on the basis that my credit history did not show a mortgage. I have obtained a copy of my…
-
Just bought a house!!
Hi We've just bought a house and I have a question regarding offset mortgages. I know there's no hard and fast rules but I'm looking for general opinions on the following. We've bought the house for 238K and we have approx. 90K in savings. Now would it be better to put all that down as a deposit and have a 148K mortgage or…
-
Living in a house with Buy to Let Mortgage
A couple of years back I got an interest only mortgage with mortgage express for a house to live in. I was living in a rented house at the time having STR'd. I used an FA to sort the mortgage out. We moved in straight away and have lived here since. Something strange has happened that's worrying me. Last week a letter came…
