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100% mortgage advice/ help
HI i have a 100% mortgage (175k) that was 4.9 fixed rate for 3 years. it ends next year. what do i about remortgaging I'm thinking 6 months before the end - ..start looking. yes? Also , shall i just revert the the SVR? ps.. i'm skint any help would be nice... Dan
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Interest Only, Guarantor Mortgage for Over 65's - Is it possible?
Hi All, My grandparents currently have a mortgage with the Halifax, it is an interest only, lifetime mortgage which my Uncle is guarantor on. It is for approx. 46k and they get support on the monthly interest payments from the pension credit agency. They want to move and two months ago when we chatted to the Halifax…
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Remortgage advice please
Hi About three years ago after having credit problems etc my partner and I took a mortgage with Kensington. The rate is awful and we now pay £729p/m on a balance of £72k. We have a 4k penalty on remortgaging but this runs out in 3 months. We where given two CCJ's from Yorkshire water a couple of years ago which where…
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Sold the wrong mortgage, where do I stand?
I moved into my shared ownership property over one year and my mortgage was arranged through a mortgage broker. For a number of months I repeatedly tried to apply for additional borrowing on my mortgage (small amount to clear overdraft). On separate occasions I was given many varying reasons from my lender as to why the…
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on behalf of ex wife
Morning! Ok here goes - my ex wife who I still get on well with has some mortgage queries. She currently has a buy to let mortgage with HSBC 1.75% over base with 23k o/s no penalty for early redemption. A house worth about £400 - £450k - mortgage free and another property a small shop (tertiary location and poor condition)…
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Question for mortgage advisors...
Hyperthetical question here out of curiosity ..... :D If you had a meeting with a FTB who said they would like to buy a house now, what would your professional recommendation be with the current market? - assume they had 10/20% deposit and able to meet their mortgage payments. Would you explain the climate, or assume the…
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Advice on remortgage application
Hi. I would appreciate any advice on my application. I applied to the Nationwide in the middle of July for a remortgage to organise something for when my fixed rate period comes to an end on the 31/12/08. I have just found out the valuation on my flat has come in under what I had estimated. Let me say that I have no…
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Nationwide NO RES. FEES for existing customers
If you are re-mortgaging then this is ideal. Very competitive rates 2yr tracker +0.98 base rate diff. 3yr tracker +0.74 base rate diff The link is here for anyone that has a mortagage with nationwide and need to remortgage http://www.nationwide.co.uk/mortgage/existingcustomers/loyalty_interest_rates.htm BIG THANKS TO…
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Hi Ya - Could some Mortgage Advisors and Experts assist? Thanks
HI Everyone. Well, i was just looking for some advice really. Our 2 year fixed rate ends 1st week of December, and we are currently with C&G on a 5.09% interest Rate. Now i know that it will be going sky high soon, so it is important really to see if i can get another fixed rate deal. Two reasons, as i dont want to be…
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good rate or not great?!?
:eek: can someone answer this - i am reading more and more and still dont know if this deal is good - is 6.19% on a two year tracker mortgage a good deal? help!!!!!!!!!!
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95% LTV Mortgages (5% Deposit)
Hi Moneysavers, I'm looking at a joint mortgage for a property valued at £275,000 - I'm hoping to negotiate it down to under £250,000, partly to avoid the additional stamp duty and more importantly perhaps because we only have £12,500 deposit. As such we are looking for 95% mortgages, but with all the credit crunching and…
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Am I being stitched up?
Hi everyone, I've recently been searching around for my first mortgage. I went to a local mortgage advisor and he bought up a whole list of mortgages to choose from. We went with RBS 2 year fixed at 6.99%, 35 year mortgage, interest only ( only til the 2 years is up then i'll do repayment.) Arrangement fee (£999) added to…
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Employed Full Time (Temp Agency) & Self Employed ... Any Advice Please?
Hi Everyone, I am currently employed full time through a temp agency though (On about 13k) but only since the start of June this year. I am also self employed since February along side this. My income from this is about £80 a week. So all in currently about 17k per yr. I am after a 64k mortgage for a a shared ownership…
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Mortgage figures.
Apparently lending has dropped to its lowest level since TIME began. Furthermore oil and gas prices have SOARED at a rate of 18628% since the last time way back in the WINTER OF DISCONTENT. TERRORISM is at its most dangerous since WW2 Shortage of food has lead to the world worst humanitarian disaster ever and the cost of…
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Change to New Fixed Rate?
Hello! I have recently been given a mortgage offer from Abbey but I have not accepted it yet and not exchanged. They have now dropped their fixed interest rate. Can I ask to change to this new rate or is that too good to be true?! :rolleyes: Any advice appreciated!
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can providers increase rate before end of offer
just wanted to ask, is it normal for mortgage providers to increase their rate 3 days before the end of mortgage offer? our buyer wants us to reduce the price as halifax (his provider) have increased their rate. is it normal?
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Moving house, keeping mortgage
Hi, is it possible for my girlfriend to keep her existing mortgage and move to another house of the same, or slightly higher value without proving income etc because she is on alot lower salary now than when she took the mortgage out and I will be able to help with the costs but I am going BR so cant be named on the…
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missold endowment HELP
We had four or five endowments. Every time we re-mortgaged or moved and increased our mortgage we were advised by a variety of FA's to take out yet another endowment. The first one from the late 1970's was a good old Legal and General with profits. The others were from the 1980's very early 90's. Round about 1999/2000 we…
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Missold endowment
Help. I have a mimssold endowment from LAS (now Phoenix) bought 15.4.88. Independent advisors who sold it pretend they do not have paperwork and Phoenix says they are not responsible for misselling. Question 1. Has anyone successfully claimed on a policy bought before FSA came into force and how? Question 2. This policy is…
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Arrrgh! Is it too late to cancel my upcoming remortgage?
Hi, I'm coming to the end of my current deal with the YBS at the end of this month and I've been arranging a remortgage with the Nationwide via London and Country. All is due to complete on 1st September and I've just discovered that the YBS are offering a better deal. Is it too late to cancel the arrangement with the…
