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Re-mortgage dilemma
We currently have a fied rate mortgage with the halifax at 4.39 which comes to an end next month. I have been looking around and have found a couple of deals, one for 5.63 fixed for 5 years with a 499 fee and a 5.67 discount fee free. We have a 51000 mortgage so don't know whether to wait or take one of the deals but which…
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Any explanation appretiated.
We have a mortgage with Northern Rock, We are looking to change mortgage provider, because the interest rate we recieve, is not competative. We initially borrowed £28,000. That was six year ago, we took the mortgage over twenty years. We now owe a total of £22,553. The interest rate, on the loan is 7.53% and our repayments…
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Could we get a mortgage?
Hi, I need some advice please on whether we should stay in rented acc. or try to buy a house, or if we've left it too late. We're both in our late 50's paying £450 per month rent. We earn £29000 per year between us and both have personal pensions. Mine is £2700 per annum and my husbands is £4200 per annum. We both intend…
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morgtage help
hi im a first timer to this site, so sorry for any mistakes. Can any one offer some info, my problem is i have a v bad credit rating due to stupidity of youth etc and now have a very high morg £670 per mths and im considering one of those adds in the papers to sell house and live there paying rent, as the morg payments are…
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Is this possible?
Hi, I haven't posted on this board before so please forgive any obvious errors. I would like to know if it is at all feasible to consider buying a house in my position or if I should give up wondering and accept it'll never happen!! I'm 39, divorced, 2 teenage kids. At present I work part-time, I get tax credits and…
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How would this work, what can I do..
Hey all, We moved home in July 2006 from a smaller property. Our original deal on the smaller house was at 4.9%. It expires in March 2008. When we moved to the new house obviously we increased our mortgage, we took out a 10 year fixed with the Nationwide @ 5.15. As I mentioned are 'smaller' component deal of our mortgage…
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Can I change from Interest Only to Capital & Interest
Hi All Applied for a mortgage with Nationwide. We have applied for a Interest Only mortgage with a view of changing it to a capital and nterest in a few months when we are all sorted with other bills etc. The mortgage is a fixed mortgage for 2 years. Do you know if this is possible? Cheers
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how much could we borrow?
hi have been renting for the last 3 years £500 a month and seems a waste of time if we went for a mortgage how much could we get? our annual income including wages, working & child tax credits is approx £25k we have a personal loan with halifax £10k over 6 years and are 1 year in so £185 a month for that and approx £1000…
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never rains but always pours - been turned down
we are coming up for re-mortgaging, other halfs work has a free inderpendant financle advisor so he is looking well he found one good deal to but they turned us down due to not meeting there criteria, other half got told any credit problems?? we said no, requested credit report anyway nothing on there!! so if we stay with…
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Thieving Banks!
My Mother paid off her mortgage last month but low and behold another payment was taken by the Woolwich/Barclays. She went to her bank (Lloyds TSB) who cancelled her direct debit and told her to contact Woolwich. My advice to her was to ask the Lloyds TSB for a refund under the DD guarantee but being an OAP she didn't -…
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Remortaging Soon - fixed or capped?
Dudes, Need to renegotiate my mortgage next month. I've read the MSE mortgage guide. Can't decide to go for a fixed or capped. Any advice from the wise and the good? MTIA Duder
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HELP - My first property
OK long story so here we go.... Trying to buy a property - all ok until lender realises still dont have NHBC or architects certificate and refuse the funds (quite rightly) I discover no company will lend without these things, and do not want to pay out for another valuation if this is the case. Not to worry - or so I…
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Advice Needed - Serious Mortgage Problem
A number of years ago when my wife was out of work our debts got out of control and i got a couple of CCJ's. While trying to pay our bills and keep the wolves from the door, I foolishly stopped paying my endowment with a view of catching up when things got better. After paying of my CCJ's and a number of other bills which…
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Rock Mortgage
Hi everyone, not posted before. I have a mortgage with the rock that the fixed rate runs out on in November. Since I took this mortgage out 3 years ago my circumstances have changed and I now have several defaults on my credit record. I am worried regarding the sale of northern rock and if the new owners might call in the…
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mortgage advice
in 2002 my husband had his house repossesd by bradford and bingly could anybody please advise us when we are going to be able to have a morgage again and who would be the best coumpanies to approach :o
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mums house
My mum is 61, widowed and ownes her own home (mortgage free). I would like to buy her house and leave her to live there rent free, as she has no money and doesn't want to go the equity release route. I don't want to charge her rent, so do i need a buy-to-let mortgage? The house is worth around £70,000. I live and work in…
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Northern Rock 125% LTV 'Together' Mortgages
I see they're still advertising these mortgages! Are they really available? If they are I'd like to know why, particulary as it's our (Tax payers) money keeping them afloat!
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Abbey. Not passed on December rate cut?
hello. i am on a tracker mortgage with Abbey. when the rate changes it effects my mortgage on the 3rd of the following month. so having expected a cut from the 3rd January i patiently waited for my letter that i usually get about the 15th of the month expalining the new rates and payments. having not recieved the letter i…
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Overpay to mortgage or put in savings account
Just taken out a new 2 year FR mortgage 5.49% which we can make overpayments of 500 per month, before Early remption charges kick in. Came into some extra cash £20k, and wondered whether best to put all into savings account for 2 years, or start paying back 500 a month just now. Any advice would be appreciatted.:confused:
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can I get my name off this mortgage?
when I got divorced several years ago the house was given to my ex with a charge on the property of 30% awarded to me. the Judge also told my ex to have my name removed from the mortgage as soon as possible so i could get my own house. the situation now is that my ex has been paying the mortgage herself for several years…
