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Birmingham and Midshires
Could anybody tell me the best deal at the moment that Birmingham and Midshires are offering on a £90k BTL and what the payments are per month,,many thanks in advance;)
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Debts paid off and a mortgage
WE Paid off approx 9k debts last month, we want some advice on whether we are now able to get a mortgage, no ccjs but they were all with debt collection agencys. we have a goss anual income of £40k and want to borrow 140k. thanks in advance. P.s we are planning on going to see an adviser but we dont want to get laughed out…
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Professional Couple (to be) FTB Advice needed
Hi all, Would like a bit of advice really, in September I start as a trainee solicitor (on the law society minimum pay, currently £15800, but likely to be £16400 when I start) and my wife starts as an newly qualified teacher (likely to be £20500 starting salary). We would really like to buy our first house either just…
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Reduce payment not term
Hi All Mortgage deal is coming to an end this month and I will have an estimated £122k left to pay over 23 years with Halifax. I’ve got about £40k that I want to put down with my new lender (not sure who yet) to reduce my mortgage down to £82k but I still want it to remain over 23 years. This will reduce my payments from…
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Mortgage Nightmare
Hello! I recently split up with my partner and moved out of our home. The mortgage is in both our names and I have been paying the mortgage for the last 3 months. Now, my ex can not afford the mortgage on her own nor will she agree to sell the property. Also, the mortgage company will not take my name off the property.…
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Interest only - how do you repay the capital?
Simple question for once - bit of a straw poll I guess. For people on interest only, how and when are you intending to pay back the capital ? Endowments are now looked down upon. What savings method - if any - are you using instead ? I'd guess a fair number of people on I/O are not putting the monthly saving compared to…
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Tracker or Fixed in current climate?
What would you advise, in the current financial climate? Looking at a 3 year deal - fixed or tracker? atm, Halifax Fixed rates gives lower payments than the tracker.......
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Help for 1st time buyer
Hey, A little bit about me 1st. Im 25, a Firefighter and currently earn around £21500, that will go up to around £27500 in 12 months time. I have a min of 28 years 11 months to work before any pension. Credit score is good, as far as I know. Never had late payments, threating letters etc... Pay around £300 on car and debt…
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FD New 5 Yr Fix 5.29%
Just applied for the 10 year at 5.15%! Wonder if I should go for the five year? Ummmm
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Opinions - (Re?) Mortgage
Hi Folks, Am just dipping my toe in the water so to speak and have a few questions and a slightly different situation so bear with me while I explain. Unfortunately, my wife passed away last year. The flat we live in was mortgaged in her sole name - the mortgage has however been paid off by life insurance / endowments and…
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End of term
Quick question.I have a friend who has a fixed rate mortgage.When he took on the loan he was earning a lot more than he is now.Quite how he ispaying it I have no idea.He wants to sell up but has severe exit penalties.My guess is he will try to change the mortage and then press on with selling. I assume he will have…
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how much will you have to earn
if you want a 200k mortgage with no deposit?
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Need to remortgage, seeking advice
HI folks, I'd be really grateful for some advice. Apologies for this long post. My partner and I have a mortgage, £150,942 outstanding, we are currently paying interest only due to paying off other debts. Our fixed rate deal with Abbey expires in June, and I plan to remortgage rather than go onto their standard deal. I…
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Help and advice needed???
Hi I am new on here.....well I am new to the forum at least I have a bit of a problem and I thought someone on here might be able to make some suggestions to make things better Here is the story... My other halfs parents are having some problems with their mortgage They had paid for their property when they bought it but…
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Pay some off mortgage or invest ISAs?
Have come into some money - £20,000 - and not sure what's the best financial course of action. Should we pay some off our large mortgage or put it into ISAs? (maxi/mini?) Don't really need access to it. Would it be better to try and pay off a mortgage in general? - Thanks :confused:
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Mortgage fees
I thought I understood mortgages, but I'm a bit confused :wall: My fixed rate deal is up so I'm shopping around for a new deal. We bought the property 4 years ago on a 2yr fix with Northern Rock, we then got another 2 yr fix with them as they were the best at the time so it was all quite a smooth process. Now, obviously I…
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Opinions please: Need to move house quick
Hi I was hoping someone would give their advice on my situation. Surprisingly (!) I've just found out that I'm due to give birth in November. The rental agreement on our house expires in July. We have a wedding to pay for at the end of July (now you can tell why I was 'surprised' to be pregnant!) so cash is very thin on…
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Halifax Tracker
Hi, Can anyone advise me please, We have been with Halifax for the past 2 yrs which has now come to an end, our advisor (who doesn't charge fees) has advised we sign up to the new Halifax Tracker over 2 yrs min at 5.850% with a variable rate which is 0.6000% above BoE charges, the loan amount is £78,442. The Halifax…
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BOE base rate remains the same.
No changes. http://news.bbc.co.uk/1/hi/business/7280836.stm
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C&G Lifetime Tracker
My fix with C&G ends on 31st May and have been looking at their website. Lifetime tracker has a £99 booking fee and no ERC's. 5.89% with a £999 arrangement fee 6.09% with no arrangement fee Have also looked on the mortgagegenie website and they are qouting the same two deals but at 5.63% 5.83% Are brokers able to get…
