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What is a Good TRACKER Rate?
Hi all I have been on a stepped 3 year mortgage for first time buyers. Time has come to remortgage away from the SVR with C&G. I have been to a financial advisor and following a search decided against the idea of moving to an offset mortgage and proceed with a tracker mortgage. The rate above BOE is 0.59% (6.1%APR) and the…
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Remortgage help please
I am about to complete a transfer of equity so I solely own my property - I would like to remortgage to a better rate but think I am going to be very limited as to who will lend me the money. Figures: Property value - approx £185000 Mortgage needed - £175000 Annual salary before tax - £40000 Monthly commitments - £400…
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Mortgage Mistake?
I've had my mortgage with Abbey National for the last four years of a five year fixed deal. Recently i checked the paperwork and found that the address on the mortgage did not relate to my address. I live on an Avenue and the paperwork relates to Drive where another house already exists. I'm keeping up the payments on the…
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help/advice on fixed deal plz.
posted something about this before but have more info now.have a 90% £157500 morgage.it ends june and have been advised that a 2yr fixed 5.67% deal with free legals/valuation product fee of £999 though, is the best about at the moment.been told better rates are out there but there fees over the 2yrs make them worse…
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Mortgage Advice Needed
Hi After some opinion on our current situation which i'll try and explain now - hopefully without too much waffle! My DH and I bought a house in March 2007 for £117,500. We had a 5% deposit but added the fees to the mortgage and had to pay a higher lending charge, so our total mortgage was £114,144. My ex boyfriend had…
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halifax rates increase???
has anyone else heard that the halifax are about to put there rates up on morgages from midnight?
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Offset Mortgage - Is It Worth It?
Just wanted your opinions on the pros and cons of having a 100% offset mortgage e.g if you have a £250K mortgage you have £250K in savings against it. Also wanted to know what would be the best way to start repaying the capital since no interest will be earned on the offset amount! Thanks in advance
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Underwriters - How Long??
We applied for a mortgage with Abbey 3 weeks ago and the Mortgage Broker keeps telling us the application is in the queue to be processed, but they are a few days behind. Does anyone have any idea how long these things take to process. Even though we had an agreement in principle 3 weeks ago, is it likely there could be a…
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Remove name from mortgage?
Guys, I need some advice. Due to breakup, I am wondering if and how you go about removing a name from a mortgage. Is it possible to do without remortgaging, or do you have to take out a new one?
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am i just greedy ?
i only have mortgage of £25000 over next ten years left but every time i think i could get a better deal its the costs of changing that gobble up any benefit because its quite a small amount, as well as that do enviro balls work she who must be obeyed wants to know !!!:confused:
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Equity Release
EQUITY RELEASE We took out an Equity Release plan some 7 years ago, and it has been splendid! It solved many of my problems (following a disastrous investment). However, I believe the advantages and (particularly) the disadvantages MUST be clearly understood before signing anything. If anyone wants to ask me anything about…
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Earn money
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Northern Rock Question
Hi, Our fixed Mortgage (4.75%) deal is coming to an end in June 08 but we are tied into Northern Rock until September or face a £6000 early repayment fee. My question is what will happen to our payments from July onwards. I fear that our monthly payments will go though the roof. What can we expect?? :confused:
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Mortgage with short term contract, adverse credit
Hi, Does anyone know a company that will grant a mortgage to someone with adverse credit, - some late payments to companies, and a default on a mail order debt in 2005 for £392? I plan to buy and sell quickly so not so worried about interest rates, just tie in and what would deposit be and wage multiple. My financial…
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paying off mortgage with credit card
hi, i want to make over payments on my mortgage with a 0% credit card but the one i've got charges 2.5% on bill payments, does anyone know of a card which i can use for this purpose and still get 0%? or have any other advice about reducing your mortgage in this way? Thanks!
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Simple mortgage question
Hi just wondered if anyone can clear this up for me.... When you sign up to a mortgage deal and it says the following: x rate until 2010 then x rate thereafter Does this mean that you are tied into the deal until 2010 only? Or are you also tied into the deal at the higher rate for the remainder of the mortgage? Sorry if…
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Will salary sacrifice impact mortgage amount?
Hi, My partner is the only one working at the moment as I'm looking after our 3 children at home. My eldest is now old enough to have the child care vouchers but we could also use the salary sacrifice scheme whereby we don't pay tax or NI on the first £200'ish pm child care. Are childcare costs are about £400 pm at the…
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Advice Please
I brought my flat 2 years ago and the fixed rate term is about to end. I have credit card and overdraft debts of £13,000. The about left on the mortgage is about £70,000. What is the best option, I'm considering staying with my bank and re-mortgaging, taking out an additional £13,000 to clear my debts. My exsisting rate…
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Shared Ownership Mortgage - Your Thoughts?
The best mortgage I can get, after looking online and via a broker, is a 5.99% fixed for 2 years with £299 fee. This allows for overpayments of up to 10% a year of the total mortgage value, with no penalties for moving or extending the mortgage. I'm keen to go for a tracker or short term fixed so I am not locked into a…
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London & Country and your personal data
Following my application via the above broker for a mortgage I am horrified to have received an email containing ALL of my personal details.... credit card number, employment details, addresses, income, debts, accountant, solicitor.... EVERYTHING. The email was not secure, sent to a hotmail account, no encryption, no…
