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tip, if you find a good deal go for it!
Just a tip, we are finding that clients are dithering and hoping rates will go down or something better will come along. Rates seem to be creeping up across the board and it you find a good deal, then go for it or you could miss out!!
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Woolwich tracker.....Good deal?
We're currently looking at remortgaging with the woolwich. The deal we are looking at is the lifetime tracker mortgage at a rate of BBBR + .59%. Currently we owe £72000 with a house value of around £140000 and 17yrs left. The main thing that is drawing us to this deal is it's Fee free (currently with Bristol + West) and no…
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Now or later??
Hi all, new to the forum side of this site, so bear with me. My fixed rate mortage is due to finish on 13/6/08 so I am just starting to do my homework about what to look for in the near future. It is currently a fixed rate of just under 5%. Clearly the SVR is going to be much higher than this- as such we want to…
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Coventry MOREgage
Hi everyone I'm wondering if you can help at all as I'm a bit confused as to our situation in regards to the above mortgage. We bought our house in September last year for £108,000 as first time buyers using the Coventry Moregage product. The secured mortgage on the house is for 95% of the value. We then have an unsecured…
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Remortgage issue
Hi Am currently with Northern Rock. Need to remortgage. Have been through the process with Abbey, who were happy to give us the mortgage we need but the valuer was a little tight in his estimation so we missed out on the 90% LTV by a small margin. Looking into finding the funds to cover that but..... If that fails, can…
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Northern Rock redundnacies
http://news.bbc.co.uk/1/hi/business/7302312.stm
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Offset mortgages and the Banking Protection Scheme
I don't know if this has been discussed - tried a search and couldn't see anything - but I am wondering whether anyone knows the likely outcome regarding Offset mortgages if the lender goes bust. I realise that the protection scheme only covers deposits up to £35K and obviously it's sensible to spread the money around.…
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Remortgage - extent of survey required
Hi, got a very quick question I'm hoping someone can help me with.. Our fixed rate runs at at the end of this month in a truly wonderful piece of timing, so I'm looking at remortgage options. The wife, though, tells me there's no point doing so until we fix things that are wrong with the place, which amount to a upvc…
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Mortgage alone
My son has a mortgage with Northern Rock with his ex. He would like to have her removed from the mortgage - so they can both move on. He has paid the mortgage on his own for 3 or 4 months without defaulting, but Northern Rock will not let him be sole name on the mortgage saying his income is too low. Please advise.
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Credit crunch - mortgage offer witdrawn??
Hi, I keep hearing (on the news) that due to the credit crunch, people who thought they had firm mortgage offers are finding them withdrawn at the last minute. Just wondering if anybody has experienced this. We're due to exchange/complete on a house purchase during the next 7-10 days. Firm mortgage offer, and formally…
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Prinpality anyone?
With FD's 10 day wait for a callback, I thought I might try Principality at 5.19% for 5 years. Anyone know of these people? Customer Satisfaction? Many thanks.
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Remortgage To Pay Off & Buy Abroad
I haven't led a simple life so please bare with me... Situation: Mum died, I received an house. I live/rent abroad. I got probate but only had time to try and get mortgage in my name with Abbey but due to credit score they wouldn't let me. Stupid really, 92% paid off, what they got to lose? I didn't try anywhere else.…
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What's wrong with FirstDirect
I'm planning to ring FD tomorrow for a mortgage. But people on here seem to be suggesting 5 year fixeds that quite a bit higher than FD's 5.29%. I was just wondering, what's wrong with First Direct? THanks
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repossession court date
Hello to all, i am writing on behalf of my parents who have been issued with a court date for repossession hearings on our property....:eek: We have a 50/50 morgage (half rent half morgage) with the Abbey. We moved into the property in may 2001 and it has previously gone to a court date in september 2003 where the judge…
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Fix now?
I'm on a tracker which runs for the next 25 years ish at 0.5% above base. My wife is getting worried. Should we fix now? We could just about afford the mortgage as long as the base rate does not go up by more than 2%. My concern is that if interest rates start going up plus the credit crunch that we are suddenly not going…
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Mortgage Interest rate predictions for the Autumn
Hi We are due to remortgage in October this year. Would any of you learned guys and gals like to hazard a guess at the sort of mortgage deals that will be around then. We are on a very good tracker rate at present 0.37% below base rate. I can see that trackers are on their way up at present and there is not much chance of…
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Norther Rock Returned Direct Debit for No Reason!!
Hi All, This is my first time on here, but I would really appreciate some advice asap. I have mortgage with NR which I have been paying by direct debit with no problems. Recently I changed the Direct Debit account I wished to pay it from, from my account to a joint account, I received a letter from NR saying this had been…
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Raising Extra Funds By Adding Partner?
My partner has a £78k mortgage. House is probably worth about £110-115k. If I was to be added to the mortgage, would it free up more borrowing? He has some unsecured debt we need to pay off. Please can someone explain to me how it works? Thank you very much in advance!
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Worth asking existing mortgage lender to match deal?
I am hoping to re-mortgage with another lender to save the hassle and costs associated with changing is it possible worth asking existing lender if they can match the new deal? Thanks
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Advice Please
My husband and myself were recently gifted our house by my father in law. It is now in mine and OH names. We have a personal loan with a redemtion figure of £22k at the moment with HSBC. It has 6 and a half years to go, with repayments of £271 per month. We took out the loan in 2002, for house renovations, as we didn't own…
