-
helpless
im at my wits end after divorcing my husband i am left to pay the mortgage which is a tracker due to ill health i am not able to work and therfore in receipt of benefits the intrest is being payed by them but i av had to ask for a reduced payment on my mortgage monthley amount due to this i am in arrears of three thousand…
-
How much would lenders give us? were 1st time buyers
My hubby is on 30k and Im on 4k a year. We have 15k deposit how much mortgage would lenders give us? We have no outstanding debts due to inheritence helped pay themall off recently:D Anyone have a clue how much we'd get? Hoping to buy next year when house prices get slightly lower.
-
Worried about my Mortgage
My current deal (5.14%) expires tomorrow, I have been in contact with mortgage company (skipton) and on the 18th agreed to a 5 year fixed (5.89%) I fully expected the paperwork to be despatched second class so did not worry about not getting the forms for a while. I then re-contacted them on Saturday (27th) and was advised…
-
Excellent Mortgage Advice!!!
I've just used a great mortgage broker MORTGAGE MONITOR that is recommending on this site. A truly helpful and friendly service, I felt like i was getting some good impartial advice on the best mortgage deal that was right for my own personal circumstance. I've registered with their online service that monitors my mortgage…
-
Do I need to change my mortgage?
Hi, My fixed period has ceased some time ago and I've been on a variable rate ever since as i'm trying to sell my house. With the state of the market at the moment i've not been able to sell my house and now am worried that the interest rates are about to rocket. Should I put myself back on a fixed rate and then pay a…
-
Advice please
Hi All I need some sound advice pleasem it seems i'm not getting anywhere and am starting to bang my head against a wall. Myself and my partner have been accepted for a new build shared equity scheme with a housing coorporation. We need to buy 66% and they will purchase 34%. We need to pay them 1.75% a year on there 34%.…
-
confused about my mortgage?
I went to buy my house from Woolich in 1991, they did not give me a mortgage but sold me life insurance i only paid a couple of years on this as trying to meet the bills was hard at the time. Woolich turned me and my partner down for a mortgage as we were not earning enough...They found some one who can give us a mortgage…
-
First Direct Offsetting Overdraft
Does the ovedraft facility on our 1st Account be classed at credit on our account inorder to offset this with our mortgage say for examply if I had a £1k overdraft set up and my wife had 1K set up does this class as offsetting £2 against the mortgage even though its not our money? Thanks
-
missold endowment, told too late to claim
I was missold an endowment, and complained. Was refused compensation cos it was (just)over the three year limit, should I have pursued this? Anyone else have a similar experience overturned? My last contact with the company was 4 years ago, kind of gave up on it. L
-
mortgage repayments
Hello Everyone, I have just done a quick calculation and it seems that I have paid OVER £60k in mortgages payments over the last 8 years yet only reduced the debt by £5K. Does this sound as if I have been sold a very bad deal? Our property has increased in value so we do have some equity but I thought we were being…
-
refund of survey fee
Hi All, I've just agreed a price on a new place and have spoken to my financial advisor to get a mortgage. He seems to think there'll be no problem getting the mortgage but I'm a little more sceptical given recent events. I was wondering, as I'm about to stump up £450 for a survey, if the bank turns us down do we get a…
-
Please please help me/calm me down!
1st mortgage payment is due today, so i was checking my agreement and guess what? i've put down my old account number, and there is NO money in there (no overdraft, nothing). they haven't taken it yet, so do they take it at midnight? or tommorrow? i've got all my mortgage money in my new account does this mean i'll be down…
-
In 2 years time - how will it look?
Hiya all I'm borderline 90% LTV - I've applied for the HSBC lifetime tracker, but if im downvalued, I doubt i'll be able to make the difference up - and will therefore not make the rate for 90%LTV and won't get my nice rate at 5.79% (lifetime tracker) - I'll have to stay with my current lender, and will have to choose. NOW…
-
Bradford & Bingley
With the news about bradford and bingley today what does this mean for people like me who have there mortgage through them??????? having a panic now:confused: :mad: :confused: :eek:
-
ENDOWMENT COMPENSATION: Can I keep it while on benefits?
ENDOWMENT COMPENSATION: Can I keep it while on benefits? I am thinking of claiming compensation for my miss sold endowment policey. I have investigated and know I have a strong case. But I am currently claiming Job Seekers Allowance. Therefore, if I win several thousand pounds in compensation (and hopefully more than the…
-
ENDOWMENT COMPENSATION: Can I keep it while on benefits?
I am thinking of claiming compensation for my miss sold endowment policey. I have investigated and know I have a strong case. But I am currently claiming Job Seekers Allowance. Therefore, if I win several thousand pounds in compensation (and hopefully more than the DWP's savings limit of £6000 for those on benifit) will I…
-
When should I start looking for another mortgage?
Hi there, Our current mortgage fixed rate expires on 28th February 09. This is a together mortgage with Northern Rock, and having talked with them today, they are advising that we go to a whole of the market lender as currently switcing to their SVR means a £250 monthly increase in payments. Anyway, the main question I…
-
mortgage with bad credit
Hello, Me and my fiance are looking to get a mortgage. I have quite bad credit from a few years ago (I'm paying it off now) but her's is fine. We are both in sales related jobs and earn basics of £35,000 between us plus commission on top. We have £20,000 as a deposit. We went to one of the high street banks today and got…
-
One Accounts and the 35k limit
As a great supporter of the various One Account mortgages (mine with Nat West, AKA Royal Bank of Scotland, AKA Virgin One), it occurred to me recently that there may be an issue with regards the governments 35k limit on guaranteeing savings when a Bank collapses. When is Savings actually Savings. I have an offset mortgage…
-
Remortgage ?
My fixed rate mortgage of £47,000 ends on 1.1.08 so I need the best place to go am trying to glean advice from the forum? The Halifax offer 7% variable rate which is a bit scary am I better off with a tracker for a fixed period? Who with? Am trying all Martins links as well as asking the forum!
