-
CeMap and Fit & Proper person.
Hello everyone I have just achieved a CeMap qualification but as I understand you have to be a “Fit & Proper” person to be able to get a job as mortgage advisor. I only realized this after enrolling with IFS but decided to continue with studies as I had already paid the money for the course fee. I have ccj’s and suspended…
-
sitting tenant wanting to buy off landlord
I have been renting my house since 1990 and have been told I have sitting tenant status,my landlord has recently died and his family, who have inherited the property, are allowing me first refusal to buy it. I have trawled the internet trying to find out anything relevant to my situation ie;a sitting tenant buying from a…
-
Avoiding early repayment charge
Hi, I'm selling my house, the buyers are proceeding with survey etc. My mortgage has a £1300 ERC which ceases to apply on 01/05/08. If everything else goes smoothly (fingers crossed!) I don't particularly want to delay completion until then as we could do with the cash earlier to pay for our wedding in June. Is it possible…
-
added on fees to Mortgage
i have a mortgage with westbromwich and missed several monthly payments , 18 months ago ,i got served with court papers for reposession and the day before the court case managed to pay all the arreas in full...... so got away with out going to court . westbromwich sent me a letter stating even though we had payed the areas…
-
4.84% 2yr fix By norwich & peterborough help.
spotted a 4.84% 2 yr fixed with norwich & peterborough building society.small fees from what i can tell just hopeing for a seond opinion on it if at all possible?after the 2yrs ends can you move to another rate or does it tie you in on a high rate?cheers
-
First time buyer/ over credit card limit-Help!
Me and my boyfriend are just about to apply for a mortgage. We earn £35000 between us. We've got £5500 deposit and the house we want is £111000. I am currently £550 over limit on my credit card. I pay the minimum amount off the card by direct debit every month. Will this affect my chances of approval for the scottish…
-
Mortgage Product Fees
I need some help from you mortgage experts! 2 years ago I switched products from an Alliance and Leicester fixed rate to another fixed rate deal with them. I was charged #749 product/arrangement fee- is this fair/normal practice? Many thanks in advance for your advice Allie x
-
Mortgage porting to a lower value house
I currently have a mortgage of £149000 (paying bk interest only) and my house is on the market and has been valued at £174950. The property i wish to 'port' my mortgage to is only £170k. As i have nearly £26k equity sat in my current property how does porting work???? Can it be as easy as swopping the address on the…
-
A simple question (or two) about remortgages
I posted the other day about all the confusion with my remortgage. I thought I'd answered all of my queries but obviously not! to recap, there is a slight shortfall showing on my redeption statement which hasn't yet been explained - according to Birmingham Midshires it should be once I've made my direct debit payment to…
-
Right To Buy
Currently rent my house from the LA and am keen to buy it as consider rent to be dead money. Have been a tenant since 1995 so meet the criteria of qualifying for maximum discount (£26k in my area). My partner is due to move in shortly and as we are not married, the local housing office have said it is not possible to have…
-
endowment but not mortgage
Hi all if this is not int he right place can it be moved please. I took out a policy which i was told was an endowment. I was 16-17 years old and i paid £12.00 per month over 12 years to get my money back plus profit. As i say i was told by the collectors it was an endowment so please correct me if i am wrong. Anway to cut…
-
What are our chances?
Me and my girlfriend are both planning on moving in together at some point this year. We both have mortgages on our own properties, mine is a 2 year old flat worth around £110k and my girlfriend owns a 2 bed house worth around £120k. We've seen a property we'd like to move into thats on the market for around £170k. Would…
-
Anyone work for the Coventry BS underwriter?
need your advice???!!? and quick
