-
Should we stay or should we go go...!
We offered on a house recently and lost out to a guy in rented. We weren't intending to move but in our location it was a one-off opportunity to buy our final-rung-up-on-the-ladder so we put ours up for sale. We have an offer on our house (pretty fair, c.5% below ask). Should we go into rented, sell what's a fine family…
-
Best Mortgage for us
Hi all, If anyoe can give us some advice that's be great, whether it be professional or experience. Basicaly me and my boyfriend are looign to move in together, we've found a house we like and can get it for £140,000. Now comes the difficult part of sorting out a mortgage. We are going to put own a £30,000 deposit which…
-
Will I be able to get a new mortgage
Hi All Was wondering if I could please have some advice? Ive also posted this on the debt free wannabe but the guys there said to also try here. My partner are I are splitting up and our house is on the market, we have a 4 year old who will come and live with me but I am terrified I will not be able to get another mortgage…
-
Self Cert Remortgage
Hi, can't find the answer to this on other threads so I will dain to create my own! I bought a flat sometime ago and it will soon be time to think about remortgaging. I am currently on a fixed self-cert mortgage at 5.65%. When this ends I will be on the SVR at The Mortgage Business which is nigh on 8% - no thanks! I have…
-
Buying a house - for a relative
Hi, It has been suggested from a respondent I should re-mail my original question (in the buying forum) to here. So I have done so (Thanks to them btw). Any help greatly appreciated ====== Recently we found out my b-in-law has terminal cancer. So he came to stay with my wife and I (having got him out of a crappy council…
-
Purchase of a new build barn with holiday restriction?
Hello all.. Just joined and this is my first post so hello! I wondered if you might be able to help me with a new build barn I'd like to purchase. We've just sold our house and have found a 4 semi bed barn (one of a collection on a development) being sold be a reputable builder with full 10 year NHCB warranty. I've never…
-
Interest only self cert ends soon what to do?
Hi everyone, I have a self-cert fixed rate with BM @ 5.39% ends June 1st. I called the broker I went through initially, and they said despite interest rates falling mortgage rates aren't - and I was quoted 6.1% as their best deal (for same type of mortgage I have now - which is my only option). I found a fixed rate of 5.95…
-
50% deposit which would be the best mortgage?
me and a partner are looking at a house worth 60k. We have 30k already so just need a mortgage for half of the property value. We bth have our own houses (rent free elsewhere) and will be letting it out. We dont want to make any quick time profit, basically just looking for some1 to pay our mortgage for us. Rental income…
-
Is equity release the only option
My inlaws are 69 and 71. They have a loan, a little on credit cards, no mortgage with a property value of approximately £250k. They would like to raise some cash of about £60k. Is equity release the only answer? If so is this wise at their age and what happens if one of them dies or get's sick before the other and they…
-
Coming up: mortgage misselling scandal
The Observer Presumably this is going to land mainly on brokers rather than lenders. Looks like more closures ahead then.
-
My Little C.I.S. Endowment...
Hi all Any thoughts welcomed once again... 24 year with profits endowment taken out with CIS (Co-op) in Feb 1990, now no longer needed for the mortgage it was meant for. Cost - £48.54 per year. Sum assured £1024 Guaranteed death benefit and 'target amount' £2300 Most recent projections (Sep 2006): @4% - shortfall of £410…
-
One Account Mortgage advise please
I am thinking of getting a one account re-mortgage.. is it better to go direct to One Account or through a financial adviser? Eg, what are the costs involved with both options? thanks in advance for all your expert help and advice! :D
-
london & country - beware!!
What a shower!! Tried for 4 WEEKS to get a mortgage through them - inept, inefficient and incompetent. Apart from letting off steam I would not recommend them ( as Martin has done). I eventually used a local broker and obtained a better deal in 2 HOURS.
-
Mortgage Over 35 Years.
In 2006 me and my partner took a 10 year fixed rate 4.99% mortgage for over 35 years. At the time it sounded like a really good deal we were getting, but now we are starting to think after the 10 years we are going to still have a mortgage for 25 years. The mortgage is 740 a month and we will find it difficult to increase…
-
pay slip needed for new mortgage product/deal??
hi just something on my mind and wondered if someone could help. i have mortgage in my name only as my husband had bad c redit score. currrently have 5 year fixed not ending till 2011. I will soon be reducing my hours to part time as i have had a baby, so am worried that when mortgage needs to be renewed to another product…
-
Transfer of Deeds after Bankruptcy
Hello everyone, I was made Bankrupt in 2003 (best thing i ever did). Luckily in 2004 I was able to buy back my trustees interest in my home. The only thing left for me to do now is to have the deeds transfered back from the trustee to myself and have the Bankruptcy inhibition registered against my property at the Land…
-
Norwich Union payouts
I`ve got an nu endowment maturing shortly. I`ve heard about a possible payout of accumulated funds. Any info?
-
Is it still easy to get a 100% mortgage?
Me and OH are looking to buy a house, been renting 4 years together. He has no debts, i have £3.5k left and once this is paid off we want to buy but to get a £10k deposit will take at least 2 years, happy to save enough for fee etcs but with the "credit crunch" are lenders still doing 100% mortgages if we wanted to go that…
-
Quick question on mis-sold endowment.
First-time poster - please make allowances. Before I knew her, my wife took a mortgage linked endowment with Black Horse in 1994. She settled the mortgage in full in 1996 when she sold the house, but still has the policy. Would this mean that she would be wasting her time with a claim for mis-selling as her mortgage was…
-
help help help mortgage offer got to repay loans first
has anyone been offered a mortgage offer but it states you have to pay off some loans before you take mortgage out. can we use the money we will have left from our sale on the day it goes through or have we got to pay before they will release the money.
