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SVR v Tracker
Hi All I am currently on the SVR (6.5)paying £437 pm , on a £57K Mortgage 18yrs remaining:o . I have been looking for a better deal (Tracker or Fixed ) .The issue is that i dont seem to be saving that much on these deals if you include the fees :confused: .Is there anybody outthere that can give me a bit of advice on what…
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Advice to transfer a property into Tenants in common
Hi Could anyone please help, I’m trying to complete transfer half of my property into my wife name for Will/IHT reasons. Nothing against solicitors, but I do not wish to use one, surely this should be within the capabilities of a layman. Currently have AP1 form –…
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Moving from a single mortgage to a joint mortgage
I think my situation is very common and therefore very simple but having never done it before I want to get some views! I have just moved in with my boyfriend into the house that he owns and the mortgage is solely in his name. In April this year his initial term comes to an end and he will therefore be looking around for…
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Remortgage advice for NR - First time buyer
I currently have a fixed 3 year rate mortgage with Northern Rock on 5.99% until May / June 2009. However this mortgage is in both mine and my partners name so are the deeds. We broke up in october 2007 and after speaking to a financial advisor thought it would be a better idea for myself to pay the mortgage until the fixed…
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What's the next best fix?
Hi All, What's the next best 3/5 year fixed rate deal after First Direct and Direct Line have removed their low rate and low fees deals? I've been looking at the Post Office 3 year fix (5.34% / £399 fee) but hoping that there are others out there! Cheers Rob
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need help - mortgage deals
First time poster looking for a little bit of help from someone with more knowledge of the mortgage market than me (that wouldn't be difficult!) We have a mortgage on our house at the moment, but due to baby No.2, we would like to move to somewhere bigger. We would like to buy somewhere around £200k, with a deposit of…
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First Time Buyer, advice please
Me and Boyfriend are looking to buy a house. It is within our family so we are buying it cheaper. It has been valued at £130,000. We have been offered it at £100k. We are looking to buy it now, from family for £50k and then pay the remaining £50k at the end of the summer. This is due to me being a student and only working…
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Re-mortgage but with arrears
I have 6 weeks arrears on my mortgage and got into some financial difficulty 2 years ago. I have an agreement with payplan to pay off my debts. I also have a second charge on my mortgage with about 8k left on it. My house is worth 140k and the mortgage i have is for 73k plus the second charge. If i could re-mortgage i…
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First time buyers - advice
Hi, new to the website. Me and my boyfriend are looking to buy a house in the next couple of months, we currently rent (for just over 6mths), and need a bit of advice. We ideally need a 100% mortgage - fixed rate - as there is no way we could save up a deposit. I've done quite a bit of research into those that offer 100%…
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Does anyone work for Northern Rock?????
Hi I was wondering if there is any inside information on Northern Rock. I understand that they are trying to encourage redemption in order to repay some of their debt, are they not honouring their income multiples to try and make potential porter's redeem???? They have offered me and my OH 2.8 x Joint - shambles :eek: .…
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Early mortgage payoff using pension lump sum advice please
Join Date: Mar 2008 Post Count: 1 Thanked 0 Times in 0 Posts early mortgage payoff using pension lump sum advice please I need £18000 to pay off mortgage which has 3 years to run and presently costs £550/month. I will receive a £30000 pension lump sum when I retire in 2.5 years time. What I want to do is to pay off the…
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How early can I apply?
Hi everyone, I have a mortgage deal coming to an end in November this year. I am keen to avoid paying the SVR for any period at all. I am concerned that I may have a planning issue (I converted a garage which did not nee planning permission but I suspect the surveyor may note this and cause me underwriting problems).…
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A good rate?
I am looking at getting on the housing ladder with a 50/50 shared ownership scheme and my half will cost around £63,000. I have been offered a mortgage by Nationwide at 6.85% fixed for 2 years with no arrangement fees. Is this a good deal as i thought the rates where lower than that at the moment. Apologizes if this sounds…
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working in the mortgage industry
my partner wants to work in the mortgage industry he has defaults on his file and they are nearly 6 years old and will all be gone by july but in the post today i recieve two county court claim forms for 2 of the debt that were previously defaulted and they want 11k to not register them would he still be able to get a job…
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Another lender closing doors to new business
Amber homeloans are no longer accepting new business Changes in the lending market over the last six months have led Amber Homeloans to form a new business strategy to secure its future as a leader in the niche lending sector. Key to this is its decision to withdraw from new lending and instead concentrate on managing the…
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Morgangreen....... Bad Times A Head
morgan green offered to sort out our downfall endowment and then proceeded to take our money when we cancelled...
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Mortgage with parents?
Hello This might seem like a bit of a strange question:embarasse . My boyfriend and I currently live with my parents and we are exspecting a baby in May. We want to stay with my parents but this means we will all need to move to a bigger house. My question is that we want to own 10% of my parents house will is going to…
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Direct line 5 year fix
Looks like the very good 5 year has gone, this is still good but a few out there compete. http://www.directline.com/mortgages/interestrates.htm
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Way to choose a remortgage
Hi All My fixed rate ends at the end of april. I have recieved advice and have enquired at my current lender. Payments at my current lender go up by about £100 to about £936 on the new deal. The deal from the adviser is £890 ish but the fees are stupidly high ranging from £800 to £1500. I understand that my current lender…
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Now Amber is pulling out of new lending
Amber Homeloans has revealed it has withdrawn from new lending. The firm said it will now concentrate its efforts on managing the company’s existing portfolio of loans. Here: http://www.mortgagesolutions-online.com/public/showPage.html?page=725042
