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Urgent Question lol
Question.. If i pay it over 10 years for £28000 its about £330 a month if ido it over 30 years its £170 and then pay the extra £160 a month extra on top would that be the same? the idiots wont let me do it over 10 but i can make unlimited over payments? http://www.hsbc.co.uk/1/2/personal/mortgages/remortgage/tracker-rate *…
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2 year fixed rate. Should I try and extend it?
Hi, I currently have a 2 year fixed rate 100% mortgage which is due to end in Nov 2009. After hearing and reading various opinions, I am wondering whether to contact my lender early to see if I can extend my deal to a 5 year fixed on the same rate; just to give piece of mind as far as afforing repayments etc. Any…
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Mortgage Holiday - during break up
Help! I am going through a relationship break up after quite a few years and need to cover my half of the mortgage whilst not living there and obviously I need to pay for somewhere else to live, this proving to be a very stressful time. I have spoken to the Mortgage company and it looks like we are eligible for a Mortgage…
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A Few questions
Hi Guys, First post and a few questions about Mortgages Ive been to see the Halifax (my current bank) about a mortgage for a shared ownership house, but the mortgage advisor was ill and so i couldnt get all of the answers i needed and the new appointment is not for a couple of weeks My questions are: I have a car loan that…
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LIBOR - How to find out the rate?
Can anyone recommend a good site that keeps track and gives the current LIBOR rate please? I'm coming off a fixed rate and want to work out what my new payments will be. Thanks.
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Re-mortgage and releasing cash from deposit
Hi, I'm due to re-mortgage soon but would like to release some of my deposit that i put in on buying my flat and then changing the mortgage to BTL. I bough the flat for £118500 with a £40000 deposit. When the time comes to re-mortgage what needs to be done in order to get some cash back and what effects does it have on the…
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Bye bye TMB
Has an e-mail from HBoS and TMB cease trading from 22nd August. Cases have to be in by then. Also on Mortgage solutions site as well.:eek:
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leasehold flat,allocated parking issue
Hello, i am a private (mortgaged) owner of a 2 bed leasehold in east london. I bought the flat 8 years ago with allocated bay parking.I am now hearing that a few years ago (whilst i was renting it out to a tenant) that the management /freehold company lifted the parking restrictions and told people to just 'park anywhere'.…
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Remortgage or Loan
Hi, I'm in the fortunate position where I only have a £30K mortgage (after (hopefully) cashing in endowments and repaying off some of the capital). I've just been for a chat with a high street bank and got a quote for a 5 year fixed rate mortgage (over a full term of 7 years) whih equated to about £450/month. I was also…
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retention of mortgage- holding money
Hi, Quick question, what are peoples experiences in retaining a part of a mortgage? Basically, we need to prove our flat has always been a flat. This happened before 1947 (we are assuming) as there is no record of any planning permission being asked for to convert the building into flats. Therefore, we need to apply for a…
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Mortgage swap
is it possible to do some kind off name swap on a mortagage? My ex and I have a house together and I would like my new partner to take over my exs share. My ex is happy to do this as we have another house which he is having as part of the deal. can anyone tell me the best, cheapest, least hassle way to do this if it is…
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Need to change my mortgage
Hi I'm in a bit of an unusual position and need some advice. My mortgage fixed rate ran out in June, the same time as my maternity break started (having a six month break as not long had a baby) so we are currently accruing interest at a silly rate. We are with Northern Rock so they will not offer us a new rate due to…
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Early redemption fee - I just don't understand
Hi, I'm in the process of remortgaging as my 2 years fixed deal is coming to an end on September 30th. I've just received a redemption statement saying I have to pay an early repayment charge of £1501 and redemption admin fee of £90. :eek: But I'm not redeeming the mortgage early! There is absolutely no way I could summon…
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Paid twice can I reclaim?
Question: I changed from Chelsea to the Nationwide this year due to my 2 year fix rate coming to an end. We were due to complete on the 31/5/08 but didn't until 16/6/08. Chelsea charged me for the month of June, Nationwide charged me from the 16/6/08. Thus I paid for the last 2 weeks in June twice. When I contacted Chelsea…
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Am i right in believing
That the only decent mortgage comparison website is the FSA's one?? because its no !!!!!!!! and not wanting any money off you? or is there better? (i just feel like moneysupermarket etc give you one rate but when you go and apply you get a higher rate)
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Buy to Let Remortgage
Hi all, I am a new arrival looking for advice please... I currently have a buy to let mortgage with Mortgage Express on a fixed rate deal ending November 30th for £125,000. The property was mortgaged at a value of £145,000 with a rental income of £650. The property could now be valued at between £155,000 and £160,000 based…
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First Direct Offset Mortgages - Warning
Hi All, My first post, but couldn't see this covered else where. I'm with First Direct and have been for several years. I signed up for their Offset mortgage, and more recently opened up joint accounts with FD also. My assumption was that - if you have an offset mortgage - then ALL your current and saving accounts…
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What happens next?
Hi all, I'm a bit confused to the whole process of house buying and can't get the mortgage broker on the phone at the moment. We were recommended a mortgage by a whole of market broker and have applied for it. We have not received anything from the lender but we have been called by the surveyor and paid for their services.…
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remortgaging
Hello My 2 year fixed rate will be up next year and I am looking for some advice on remortgaging. Firstly we are with Northan Rock and we took out 100% mortgage to get on the property ladder, we actualy borrowed more than the price of the house so we could do some much needed work to it (The house was 122k and we borrowed…
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How is CC debt viewed by potential lenders..?
We'll be remortgaging early next year and will have got my CC debt down to under 5k. How is having a CC debt outstanding viewed by potential lenders-good as in other lenders have allowed you to borrow from them or bad that you have to rely on credit? Just thinking out loud. Cheers Ferry
