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FTB. Torn between 2 tracker mortgages? Which to pick?!
Hi all I'm FTB looking to buy with husband if offer I have put on property for 115k is accepted. We have 10% deposit and steady jobs. Have decided to opt for a tracker and have found 2 good deals. First is HSBC lifetime tracker which pegs as 5.95 with arrangment fee of 499 of top of my head. Valuation fee at 149 quid. The…
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what happens if my mortgage company go bust?
Hi our mortgage is with Mortage Express BRADFORD AND BINGLEY I here that they are in trouble what would happen to us if they go bust? Thanks Lisa
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Mortgage
Is there anyone out there giving a 90% or 95% mortgage in this present situation? Many thanks for any info.
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Valuation nightmare!!!
Hi there and help! I'm new here and having a re mortgage nightmare at the moment. Applied to Woolwich for a re mortgage. On line application made by my IFA last Wednesday. I put valuation as £220k. They have been very quick so far, passed the usual checks, valuer instructed last Thursday, he came and valued yesterday. The…
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Derbyshire take over
I have a 10 year fixed rate with the Derbyshire, and today found out that the nationwide who are taking them over can if they want come in and change my rate as long as they give me notice. Has this ever ha99ened to anyone out there i would be gutted if this ha99ened to me my rate is 4.9%.
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Worth trying for mortgage?
Sorry, I know you're all probably sick of answering questions like this. Over a year ago my partner was buying a house with a 100% mortgage, through an estate agent mortgage advisor (who was pretty pants), then came the USA crash and it all fell through. We managed to find somewhere to rent through a friend of a friend,…
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Remortgaging when house is rented out
Hi there I just wanted to clarify my situation as I have been told different things by different people. I have very recently moved house and I am now renting with my partner in Brighton. I own a flat in London which I am planning to rent out. The mortgage on this is due to come to the end of its 2 yr fixed term in…
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Pay off loan or mortgage?
Can anyone advise me please, I have about £30,000 & i would like to know whether it would be better to start paying off a £40,000 loan i have or put that money towards my next mortgage which is up for renewal in March 2009, Loan £40,000 Mortgage £200,00 (property worth approx £250,000) Many Thanks
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Removing Ex from Mortgage and Deeds
I split up with my ex partner on the 9th October last year, we decided to keep the house in both names and the deeds as well but he would move out and I would be responsible for all bills. In the meantime, I have had to reduce the mortgage to interest only and extend it to a 35 year mortgage to help lower the payments.…
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What are our best options?
Hi, After seeing MSE Martin on the TV this morning talking about fixing mortgages, it got me thinking about our mortgage and what would be the best thing to do... Our current fixed rate is due to end in January and we will have 10 years left on a repayment mortage with a balance of about £38,000. We also have an unrelated…
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Fixed Term Ending on Half of Mortgage!
I am currently in a situation that I don't think can be unique, but which I can't find any advice about, so I would be grateful for any comments from those who have experience or thoughts about it! In June 2007, I bought a house with my then fianc!e (now wife). We had both previously owned our own flats with fixed term…
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Repayment or Interest Only
Hi all, I am hoping someone can help me out here, We current have a mortgage with Abbey on a Fixed rate until Aug-09. We are planning to emigrate to Oz as soon we get our visas, (approx feb-09) But it could take time to seel the house, I have spoken to Abbey and asked if we could go to interest only and they said we can,…
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Remortgage Nightmare
Hi :confused: wonder if anyone out there could advise? Ive been trying to remortgage for the last few months. Applied to Nationwide who offered a great fixed rate based on 90% borrowing. Not a problem till they came to value the property which they did at 140k, we are looking to borrow £122500. They then decided that they…
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URGENT Mortgage Advice After Split !!
I am looking for some argent advice! Cut a long story short me and my ex boyfriend bought our flat in Dec 06 for £120’000 on a fixed rate paying £440 a month (which ends Dec 08) I put down 3500 and he put down 1000 with my dad loaning us both 7500 total 12000 deposit. Mortgage therefore for 108’000. We split up a few…
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What would happen ........
to your mortgage if the lender goes bust? :confused:
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Fixed rate mortage expires next month and house for sale
Hi, My fixed rate mortage is up next month 31st Oct with Princapality the new deal they offered is 6.14% for 3 years with a £399 fee So are there any good deals out there and whats my best option considering the house is on the market. Thanks Craig
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Advice Required
I have stopped paying my premiums on my life insurance for my mortgage, as I am strapped for cash for now. Is this a poor move or a risk worth taking? I am not married yet and do not have any dependents. What happens if the worst happens and I die? What will happen to my property (which is being rented at the moment…
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Urgent help needed
Hi, I'm new here and in a state of panic really. Our 2 year fixed mortage is up at the end of this month and we have been trying to find another deal with an added 10k added to it to pay of very urgent debts. We have been turned down by our currant lender for the extra. They will only sort a mortgage out and it will be…
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Re-mortgage or Sell?
Hi.. This is my first post! My HBOS fixed rate mortgage is due to expire at the end of the year. I'm pregnant and panicking at the current state of affairs and unsure of what to do. Any experiences and advice would be of great help! HBOS rates are looking pretty high at the minute, however, I am still keen to stay with…
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Remortgage Advice
Im not sure what to do, my mortgage 3 year term comes to an end in November. then it goes to a variable rate and obviously increases by around £20.00 a month, however its only an interest only mortage. My property has recently been valued at £100,000, my mortgage is £56,000 however i owe £9,000 via credit card. Should i…
