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rediculos redemption charges
can any one help!! my daughter and husband sold their house as they were strugling with their mthly repayments of £1250,when they contacted their mortgage comp salt,they were told if they sold the redemption figure would be £151,000 they put their house up for sale for 3195,000 and sold for £170,000,when they got their…
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Loan application credit score destruction
Could anyone help me. I have just had my mortgage offer accepted which is pleasing. i have a 10k deposit to put down but need 16k for a 90% mortgage. now the 6k differenc i was going to generate from having a unsecured loan.... still with me!! Now i had up until 2 days ago a maximum credit score.. my loan application was…
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Mortgage withdrawn on day of completion...
As it says above. Our mortgage offer was withdrawn on the day of completion, after contracts had been exchanged a week earlier, despite our situation not having changed since we received the offer in August. We are now struggling to find an affordable mortgage anywhere else as interest rates have gone up since we first…
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Abbey Flexible Offset Tracker
Afternoon Money Savers Does anyone have any experience of the Abbey Flexible Offset mortgage - see here? For example does the account allow you to have separate current and savings accounts? The Abbey web site is not as informative on this as, say, the First Direct site. Thank you
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Natwest Mortgage
Are they Processing Quickly at the moment, how long are they taking to get survey out etc?:confused: Thanks
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Advice Needed, Mortgage Tie In Ended, Help Please!!!!
Hi, I am looking for a bit of advice , my mortgage deal with northern rock is ending next month and i am out of my tie in which at present is 4.69%. I am now being told by northern rock that my new rate is SVR which is going up £200 a month. I am at my wits end, how are we going to manage, we have two kids and i always…
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Letting out on a regular mortgage
What would be the potential penalties for letting out a property for 12 months under my regular mortgage, without informing the society (because they want to charge an extra 1.5% interest)?
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FTB looking for a bit of mortgage advice please!!
Hi all, Found this site not long ago and have found it really useful so far in my house buying process. We have had a few options given to us by Nationwide (still need to look around some more but is a good starting point - seen some posts here about First Direct.. ) Anyway.. options are: 5.68% fixed for 5 years (£1999…
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Halifax Mortgage - Can I cancel?
Hi Guys, I am in the process of selling my house and my mortgage is currently with the Halifax. I am midway through a fixed rate deal and as a result they are wanting to charge me approx 2k to come out of the fixed rate mortgage with them. My new mortgage is with a diff lender so I am not transferring the mortgage product…
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Accord Mortgages???????????
HAS ANYONE HEARD OF ACCORD MORTGAGES TRYING TO HELP A NEIGHBOUR HE SAID IT IS A MORTGAGE REPAIR COMPANY, HAVEN'T GOT A CLUE. HE WAS ADVISED TO TAKE THIS MORTGAGE BY STOCKTON AND EVANS HE IS BEHIND WITH HIS MORTGAGE 2 MONTHS AND HAS TO GO TO COURT NEXT WEEK AMOUNT OWING AS FAR AS I KNOW IS £880.:eek: I THINK HE HAS TAKEN…
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Just my name on mortgage
We are in the process of applying for a morgage with HBOS!!! I have applied in my name only as my wife works as a market Researcher and getting together all her employment documents and references is a complete nightmare, and from past morgage apps this has always slowed things down, so to save the hassle i have applied in…
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Consent to let
Hi, Just a general question. Has anyone had prolems getting consent to let from HSBC? Am thinking about it, but just wondered if there would be any charges ect. Thanks x
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Possible new mortgage...advice needed
Hi Guys Been using the site for a long time now but only just started posting as we could use some of your excellent advice. I got myself into a bad debt situation about 5-6 years ago, ended up with abotu 16k of debt and about 6 or so defaults on my record. I have just managed to pay it all off, and am just waiting for the…
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Offset Mortgage Are Savings Safe
:confused: We have a mortgage with the woolich open plan through barclays. It is an offset mortgage and we have at least £90,000 in the offset bit. What is the situaiton with regard to our £35,000 each. Is £60,000 safe as its a joint mortgage or is it all safe because of the type of product? Please help have searched site…
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Help - May get bank charge
Help A direct debit coming out today in my husbands account which has put him over his overdraft by £18.00. We had some money in a savings account in the same bank and I transfered the money accross to from the savings account to the current account by online banking. I just want to make sure that we are not getting…
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Mortgage Advice needed
I am a first time buyer looking for a mortgage. My partner was made redundant at the beginning of the year and was out of work for arund 3 months but has recently started work in a new well paid job. As we cannot prove his income for the past three months will this prevent us from being accepted for a mortgage? Although i…
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HBOS merge
Hi guys, i'm a first time buyer and got my mortgage approved from halifax through a broker. I'm going for a fixed term @ 6.49 for 3 years at 90% LTV. I've sent all my documents to halifax for my paper work and the broker told me it's going to take 2 -3 weeks to get everything sorted out. Now I'm a bit scared about the HBOS…
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Investment bank V Uk Clearing bank
I would be grateful if somebody could tell me how I would find out which banks are investment banks and which banks are UK Clearing banks I am trying to decide on a morgage deal and I dont want to to choose a Uk Clearing bank as I under stand there are greater risks.
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Endowment payment advice needed please
Hi. I'm not sure where to start but I suffered a breakdown 5 years ago after a car crash which killed my wife. The endowment cheque came through, but I just deposited it in my bank instead of paying off the mortgage. I lost my job and just let the mortgage payments continue to be paid with the endowment money. I know it…
