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Should we be chasing the lender ourselves?
Hi We've been waiting ages for our mortgage offer from First National to come through. What we were originally told should take 2 days....10 days...any day now...has stretched to 2 months, and 10 days ago they decided if they do give us an offer it'll only be for 80% not 90%, we grimaced, said ok then give us an offer on…
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Queries about Woolwich offset
Hi all - I put this query on the offset mortgage - the numbers thread but I'm not sure that was the right place so I am trying here! We are thinking of going with the Woolwich .99% above base rate for lifetime of mortgage offset. Does anyone have this mortgage and could tell me what the internet access is like - I read…
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remortgage costs
Hi, I've just had a quote from a solicitor to handle my remortgage for £550 all in. Is this reasonable considering the following - I am staying with the same lender I am keeping the same mortgage terms It's the same house
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new mortgage with partner
my partner has had his current mortgage for 2 years, he needs to re-new this and is currently looking for new deals. he has approached natwest and they have advised him to continue with the application i need to sign a form to say that if for any reason he cannot continue with the mortgage repayments (bearing in mind that…
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Mortgage advice needed
I've just had an offer accepted on a property and hoping for a little advice. I have a substantial deposit but would need to borrow £100,000 so I'm wondering what sort of mortgage and which lender I should apply for. I own a property which I plan to put on the market once I've moved and which would repay the mortgage in…
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solutions to fallen through house sale
HI, I have been sold for 14 weeks and been told 2 hours ago my buyer has pulled out. As you can imagine i am absolutely gutted. All I want is to buy a house with my fiance hence selling my flat- however that is by the by. If we wanted to rent out my current flat- how would I go about it? Basically there would have been…
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Woolwich mortgage compulsory account?
My ex wife is just arranging a mortgage such that she can buy me out of the place we have now, she ended up with a woolwich 10 year fixed rate deal which she arranged thru one of the local estate agent chaps (MrX), she's been 'sorting' it now for about 3 weeks, there was some paperwork etc she had to find but that's all…
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Alliance and Leicester deals?
Just a quick one... Any of you currently with Alliance & Leicester and been offered new mortgage deals? Mine ends next month and I haven't had a chance to go in to speak to them yet (tried ringing but some crappy answerphone service where they fail to call back.) Won't have a chance to go in until the end of the week so…
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Fix for three years or 2year tracker?
I am about to come out of a 2yr fixed rate and need to remortgage. My broker is recommending a 2yr tracker with Abbey - cheaper repayments, cheaper fees etc. I have always been cautious and stuck to fixed rate deals. I am a little uncertain as to what to do as i do not want to be tied in to a three year fixed deal if rates…
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Mortgage/Loan - selling up question
Hi, Me and My wife HATE living where we do, since being burgled I detest driving into the scum-ville that is our area. We are desperate to move, so we are planning on selling up and renting for a few years. We have a mortgage, with an unsecured loan on top (we consolidated debt when we moved in) that we have had for a…
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extra on mortgage
Hi, If i am taking extra money out on my mortgage from existing lender, how long will it take. Is it quicker than a normal mortgage. Thanks in advance
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Adverse Credit Mortgage
Apart from First National does any one know if there are any other adverse credit mortgages around - house worth 125000 mortgage wanted £100000. Some of the deposit (15000) comes with a 2nd legal charge - employment helping us get on ladder giving me a lump sum against future bonus's . First National have known this all…
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Best investment?
As we taking an interest only mortgage, I would like to set up something to save into. For the first couple of years it will only be a small amount £30-£50 a month, and in a few years time increase the payment to around £100-150. Is it worth setting up an endowment. I have no clue about any of this so please be gentle! :)…
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Northern Rock- lack of comms between departments?
Hello My partner is with NR. He got into arrears over Xmas (about £800) and made an arrangement with NR to pay an extra £100 a month to clear the arrears, which he has been doing. A couple of times, his direct debit has been returned unpaid, but when they try and take it again a few days later it goes through fine. All…
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CCJ's and Mortgages
Hi Just a quick question, if someone living in my home has defaulted on some payments and is issued with a CCJ which then goes unsatisfied will this have an affect on anyone else in the house when applying for credit? Such as myself if I apply for a mortgage?
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morgage mis sold
WE MY WIFE & I HAVE TAKEN OUT AN 18 YEAR MORGAGE ,BUT ONLY 15 YEARS OFF WORK BEFORE I RETIRE ,THAT MEANS IN 3 YEARS TIME WHEN I RETIRE THERE WILL BE STILL BE 5 YEARS LEFT ON OUR MORGAGE.WAS WE WRONGLY INFORMED ABOUT THIS?:confused: MORGAGE,SHOULD HAVE THEY TRIED TO SELL US ANOTHER PACKAGE?
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Mortgages and Credit Rating - General question
Im considering switching my bank account, however I understand as part of the application the bank im thinking of moving too would perform a credit check. Considering my current mortgage deal ends in january, should i worry that this could have an adverse affect on my application for a new mortgage deal?.
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Affect of OH's maternity leave on mortgage renewal?
Our fixed rate (5.09%) ends in October so I am starting to look around at possible alternatives. As first step in research I'm off to see their tied sales person .. sorry... adviser... this week. My wife has recently started maternity leave and I am trying to find our what affect this will have on what the bank might…
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Buying with a friend
Im thinking of entering into a mortgage with a friend for a 2 bedroom place. My friend has bought before and is letting a few properties out. Im a first time buyer. What he has suggested is that I get the mortage myself to get my first time buyers discount ( should be able to afford it) and he will contribute 50%.…
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Clear mortgage? And apply for a new one?
I hope you can offer some advise. We currently owe £68,000 on our mortgage, the house is on the market for £169,950. Iam lucky that i have been given £155,000 to put towards a new, larger house (when/if we sell). It would really help us if the mortgage and outstanding loans (£5,500) were cleared, this would release…
