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Tool for calculating remaining capital of mortgage in future years?
Hi, Is there an online tool/calculator for working out how much of the capital of my mortgage I will have paid off in 1/5/10 years etc? Want to know what the remaining capital value of my mortgage will be in 5 years time and Im not numerical enough to work it out myself!:o Thanks.
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help with new mortgage pls?
i'm trying to arrange a mortgage to buy a new property, but am having probs due to possibility of not being able to sell current home in time & new lender taking into account outstanding mortgage. any ideas/help much appreciated. we are buying a house for £198K (also valued at £198K) and have £50K deposit from trust fund.…
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A potential problem that I need help with.
I was involved in an accident at work, absolutely not my fault at all. When it happened, they promised me that all I need to worry about is getting better and my wages would still be paid as normal. In the time I was off work, I used the money that I would've used for petrol etc and paid off some debts, so have freed up…
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Government mortgages
Anyone seen this mooted as a way of kickstarting the housing market? The private sector seems to be unwilling/unable to rise to the occasion. Who else could give a lead if not HMG?
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Please help, being led round in circles by Mortgage companies and IFA.
Hi, I am absolutely at my wits end and I would welcome any advice that anyone can give me. Let me just say now though, I’m not here to be told that now isn’t the right time to buy etc etc, if that is your contribution perhaps you would be kind enough not to add it to this thread. My situation is this. I am a key worker,…
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can i change mortgage providers if....
hi, my hubby is on long term sick and the dwp have been paying so much of our mortgage and we pay the shortfall...thing is we wanted to see if we could change mortgages and go with someone else to try and bring the monthly amount down as we are with kensington and pay a fortune...we have had our mortgage about 5yrs…
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Advice Needed - Pay the Mortgage or the Loan
Hello all I could do with a bit of advice please. I currently have a mortgage and a loan with the Northern Rock both charged at the same fixed interest rate (7.9%). The mortgage is a repayment mortgage which allows for overpayments to be made which not only reduces the balance owing but also the repayments that will be…
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Mis-sold illness cover for 4.5 GRAND!! What can i do?!
A few years ago my hubby was conned into signing up for critical illness or sickness cover which they hid in the mortgae. He was a bit silly but had no idea what they were doing. It was only when we came to re-mortgate to add me on that our broker spotted it! Any ideas on how we can go about re-claiming some if not all the…
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halifax fixed rate set up fee !!!
hi went to bank today halifax and got quote for 5 yr fix rate of 6.65% on our mortgage of £120,000 our monthly payments will rise by aprox £90 which is ok ...problem is the £999 fee to set this up...can anyone work out how much this would cost if we add it on to mortgage we have 21 yrs left on mortgage...just want to work…
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Devastated
well having had a Dip from first national for £130000, with a £15,000 deposit and salary of £40,000 on 4/7/08 - have just applied for £110,000 still £15,000 deposit to be told the most they will lend is £100,000 so if we want the dream house we have to magic £10,000 out of thin air. If they had told me this from the…
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HSBC mortgage question
I'm sure there are quite a few people on here that have taken a remortgage out with the HSBC recently. They treat any additional borrowing over and above the outstanding mortgage as a seperate loan agreement (same terms etc) The mortgage completed today but I haven't had the extra borrowing deposited into my account. Is…
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Mortgage Break / Other Options help
Hi, I currently have mortgage with the Abbey. Wife is on maternity leave and for final 3 months of her year off gets no salary. She has been on 66% of salary for first 9 months of maternity break. We have been able to cover our monthly payment on this amount. However, when she gets £0 for 3 months it is going to be pretty…
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Which one is best for me?
On paper this looks like a no-brainer, but having a limited knowledge of mortgages I thought I would run this through first. Me and my partner are looking for a mortgage, we have a 10% deposit and have spoke to 3 different brokers so far. Each have all come up with the following as the best deal for me: Nationwide - 6.38%…
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Offset Mortgage quick question.....
Hi, Can anyone give me some advice please - is £20k enough savings to consider using an offset mortgage for £81k? I am thinking of the Woolwich offset tracker at 0.99% above base rate! Thanks.
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mortgage broker problems...
Hello there, Not sure if anyone could advise us or not, or if this is the norm? We recently contacted a whole of market Fee's Free mortgage broker for a right to buy council property. Everything was fine, he took all our complete details and came back with a mortgage offer which is okish, but the problem is the Insurances.…
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Mortgage advice - help!
Hi all I am a newbie and haven't been lurking around for that long but desperately need some advice. My partner and i have been saving for the past 12 months in the hope of buying for the first time. We have managed to save 10% and are both in fairly well paid secure jobs. However i have been worrying myself sick over my…
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First Direct offset account questions
hi there, I have recently remortgaged my property with First Direct - only reason being the attractive rate of 4.99% for 5 years (booked it in February). I am also very new to all these offset account business but can someone explain how this works with tax liability. ok basically I'm a higher tax payer, i also understand…
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Refused Mortgage
I've just been refused a mortgage from my own bank, Bank of Scotland and Im totally gutted. We sold our house last year and have been renting since. We made a good bit off our house, paid outstanding bills and were standing by until we seen a house we liked, which we have now. We have a bank loan with BOS, never missed a…
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Remortgage chaos - Solicitor trouble(help!)
Just completed a remortage on my flat. Basically to cut a long story short, there was a delay in my new lender sending the full amount to old lender, so I got charged £250 interest. This delay was (probably) because my solicitor (I’m in Scotland) sent the certificate of undertaking to my new lender late although they claim…
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HSBC help
Hi - about 3 weeks ago we took out an HSBC re-mortgage at 6.49% for 5 years (with a £799 Booking Fee) which will start in January. "Good job" I thought as mortgages are supposed to go up. Now I have seen that they have a 5.98% mortgage for 5 years with a £999 Booking Fee! Damn! We are Plus Account customers. The…
