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Cash back from developer?
When buying a new house – if I have cash back from the developer under 5% of the purchase price – does the mortgage lender have to be informed? – What price is registered on the land registry? - Does this change if the amount of cash back (for deposit or ‘mortgage paid for 12 months’ ‘10k cash back’) if the total is more…
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Mortgage Adviser Careers
Hi AllJust a quick question for anyone who can help. I am CeMap qualified with 2 years experience (field based) and working for a small broker who's director is completely insane and who supply dreadful quality leads. Have been offered a self employed position in an estate agent which already has a main adviser (I would be…
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Alliance & Leicester mortgages - Feb payment problem
If your Alliance & Leicester mortgage was due on 29th Feb (as mine was) it was probably not collected. Apparently their computer doesn't like leap years - they have said that the payments "should" be taken today (Monday 3rd March)
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Can i unclude WTC and CTC as income for mortgage?
My husband and i are wanting to buy a house he works part time and i am just about to start a job. Does anyone know if we can include Working Tax Credit and Child Tax credits as well as Child Benefit as an income when applying for a mortgage? has anyone else done this?
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Deposit... get back?
Hi, I have money saved, but basically for tax bills and other stuff... I'm self employed. Is there any way I could use this to show I have a deposit... but then get it back once the mortgage is done?
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Northern Rock 5 year fixed early exit
What are the chances, if we sell our house, of not having to pay exit fees to Northern Rock given their circumstances?
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Help needed
Myself & my partner are currently renting the house that we live in and the lady who owns the house would be very happy to sell to us privately. The problem we have is that I only work three days a week because we have a little one, and my partner works part time (paid) and part time self employed as a teacher. As he…
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Halifax LTV reduction
My girlfriend (Wanda) just advised me Halifax to reduce LTV from 97% to 95%. Applications must be in by 5pm 4th March. woody
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Anyone good with numbers - remortgages!!
Hi I am at the end of my C&G fixed rate mortgage and am unsure what to do now. I cannot stay with their SVP 'cos it is sky high. I am looking at th efollowing two options but do not know which would work out cheaper in th elong run. One involved staying with C&G. The other remortgaing with Nationwide... C&G. Fixed rate for…
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Conveyancer problems with re-mortgage
Hello all, I'm currently in the process of remortgaging to C&G and the mortgage came with free legals. Pretty much since day 1 I have had major issues with a very unprofessional and incompetent conveyancing firm appointed by C&G meaning that amongst other things the mortgage has still not completed after 3 months despite…
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Will we be able to...
get a mortgage if I am still temping in November? Dh wage pays the mortgage and the bills, but he doesn't earn enough for us to get the mortgage on his own, so we need my wage to be included in any multiples. I pay for the shopping, petrol, and luxuries (holidays, savings, sky tv, mobiles - things we could do without if…
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1st Time Mortgage Applicants - Advice Needed
Hi all, Me and my partner are viewing a couple of properties within the next week or so but have yet to sort out anything to do with a mortgage! We will be making an appointment very soon though and we were wondering what you have to take to show them in order for a decision on how much we can borrow. I did a quick search…
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Interest-Only Mortgage
Hi Due to very pressing personal circumstances I am about to part exchange my property with a developer - and therefore stretch my7self to afford it at 30% more than the value of my current home. This is only intended as a short term (12 months at most) move. I am thinking of going for an interest only mortgage for this…
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remortgage after split from ex-advice
Hello I am about to remortgage the house after me and the ex split 7 months ago. Am sorting the mortgage out with London and Country, i have 11k in savings and the ex wants 20k to buy him out. Is it best to add the 9k to the mortgage amount when remortgaging or get a loan or 0% credit card-can i do this? Ex doesnt want the…
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FP Endowment - cash in ??
Hi I would be grateful if someone with expertise would be able to advise me. I have a Friends Provident Endowment policy covering myself and my wife - joint life first death. It is an old policy that I do not need to to pay off my house so I am just interested in the pure financial implications. (kids at uni fund) Last…
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Co Owner advice
All, I'm looking for some advice regarding buying out my cousin who is a co owner. When we first bought the house we each paid 50% deposit and split he lawyers fees 50% and any other costs as well.. We also split the mortgage payments 50% as well. Now I'm looking to buy the house outright and I'm trying to figure out how…
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What's the best way to pay off my mortgage?
Hi, I find myself in a position where a) the good news is that my mortgage of £46,000 can be paid off in one lump sum and b) the bad news is that my mother-in-law will pay if off when she comes to live with us! Now that you have all stopped laughing at my predicament, she is coming to stay and the mortgage is going.…
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Number Crunching Novice :0)
Hello there. Having heard horror stories about using brokers and being someone who is easily swayed, I thought it would be safer for me to post my situation on here in the hope that someone who is a whizz with numbers and completely independant could give me some advice :0)* I have a 2 years fixed rate mortgage with the…
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any decent 5 year fixed offsets out there?
with th efirstdirect 5 year being pulled and the 10 year increasing, are there any other similar deals out there, or is the FD 10 years still the most attractive. 10 years is a bit too long for me...so 5 would be better. anyone have any view on when are FD coming out with their next 5 year deal?
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Urgent Help Please
my mum has passed away and she has a mortgage on the property where i live. I do not know what to do as I would not get a mortgage myself as i have had debt in the past, so I dont think I would get that option?? Can anyone advise me where I stand. The only debt outstanding is a loan, which I can pay off in full…
