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Halifax Mortgage Promise
Hi Everyone I just wondered if anyone could shed any light on what the benefit of getting a mortgage promise from the Halifax. We recently applied for a mortgage from HBOS and were issued with a mortgage promise which was subject to proof of income and the information we had supplied being correct. We were advised to find…
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Halifax Mortgage Promise
Hi Everyone I just wondered if anyone could shed any light on what the benefit of getting a mortgage promise from the Halifax. We recently applied for a mortgage from HBOS and were issued with a mortgage promise which was subject to proof of income and the information we had supplied being correct. We were advised to find…
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FAO brokers
Hi Just looking to see if any of you guys/girls are a member of personal touch network or have any experience of them? Cheers
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HSBC Rate Change On Tracker
HSBC have dropped their current tracker rates by 0.05% from today but have added a booking fee of £499 They still offer a free tracker but this has gone up to over 6% http://www.hsbc.co.uk/1/2/personal/mortgages/first-time-buyer/tracker-rate;jsessionid=0000j0YM1I8cImpTjIgO0BMzmk-:12c58t1e1
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Opinions on best buy to let fixed rate mortgages
What are the cheapest rates that people have seen out there for fixed buy-to-let mortgages and who with?
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standard variable rate - worth dropping onto?>
ok.....as most of you know - im currently on a 5% base rate tracker. my deals ends 1st Oct. i have a few options - tracker or fixed deals etc. but ive been doing lots of reading, and there is a strong possibility if inflation hits 5% then the Government will begin reducing rates - ive read even as low as 3.5%!!! so, if i…
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Remortgage Advice
This may be a completely daft question but i need a bit of help. My fixed rate with Nationwide is due to end on 31st October. Ive been down to see them and have an offer letter for a 5 year fixed rate at 5.78%. Do i have to do anything other than sign and return this? Only rates may change between now and end of october so…
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Can I get a mortgage on a 7th floor flat
Hi I viewed a flat with my friend who is looking to buy it. The flat is on the 7th floor and the estate agent told us you can't get a mortgage on a flat above the 5th floor. I'm not sure this is correct as there are plenty of high rise blocks in London that are being built at the moment. Can anyone confirm if this is going…
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Mortgage for part finished new build?
I am contemplating buying a part finished house from a developer. The walls and roof are up but nothing apart from that. Is this mortgageable?
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Buy to Let Mortgages
Hello, My 3 year 4.79% fixed rate mortgage is due to end on a buy to let mortgage. I’ve had a quote from an independent financial advisor and he's supplied details of a 3 year tracker with Bristol and West at 6.25% with fees of £1,275. I’m aware that I doubt I’ll be able to match my old mortgage but I’m sure there must be…
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Best 95% Tracker Mortgage?
Hello all, First post on here, so hello all! I was just wondering if anyone has seen a beter FTB tracker deal for 95% than the 1.39% over base that HSBC offer (no booking fee). This would be a joint app, combined income £80k, both graduates, deposit £15k, looking for a purchase of approx £250k. Any help much appreciated!…
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Should I change mortgage proviser?
My discounted scheme on my Abbey mortgage has come to and end. I called Abbey to see if they had any similar offers but to save £11 a month they wanted a £499 set up fee and a tracker mortgage at 1.5% above the Bank of England rate wanted a set up fee of £1,399. I have 7 years left on the mortage and approximately £79,000…
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Prudential Endowment advice
Hi, I have recently recieved plan updates for my endowments and was some thoughts on what to do. I have 2 endowments running which i do need to pay off my mortgage. Both policies are with Prudential (formally Scottish Amicable policies). 1st one Maturity date 16/06/2010 Target amount £18,525 Current premium £24,34…
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Confusing remortgage offer.
Help! We're in the process of remortgaging as we have come to the end of a 5 year fixed rate. London and Country have been great up to now and chose a Nationwaide mortgage for us. However, we've just had the mortgage offer through and although we asked for a mortgage with no up-front fees we're being asked to pay an extra…
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Barn Conversion Mortgage
As we are in a buyers market with regards to house prices I have been thinking the time was right to purchase a Barn local to me that has come on the market, at a price that would be too good to miss. ( It was previously advertised at a much higher price) I have 90% of the asking price but will need to get a mortgage for…
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Northern Rock Existing Customers
Hi, I have a fixed rate, Interest Only, with NR, which will run out in 12 months from now - I will not be able to remorgage as my LTV is way too high. (over 100% thanks for recent house price falls) Luckly, I can afford the current SVR payments (just). Do any of you guys think that NR may start to offer existing customers…
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Decisions,Pay off 2nd charge(armed forces loan)or pay off mortgage
Forgive me if this is a little long, Jan 07 bought houes for 117,000 (joint mortgage with the wife but based on affordability of just my wage) Mortgage for 105000 Armed forces Home purchase help £8000 Looking to re-mortgage on a lifetime tracker as personally believe rates will go down within the next 12 months, and we…
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Cancelling endowment and putting money off mortgage
I have 13.75 years left on Mortgage, 10 on Endowment, endowment is worth not much in fact only £500 more than I paid in. Should I cash it in, put money off the mortgage interest only section and put the endowment money as extra repayments? Rough figures are shortfall of £5000 best is £2000 shortfall, repaying would be…
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Surrendering my endowment - CGT
I am going to surrender my endowment policy that matures in a few years time as I believe that I can make better returns in a high interest bank account. I have taken into account the Final Bonus etc.... Do you know whether I will need to pay CGT or any other tax on the proceeds following the surrender?
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crest nicholson - easy buy option
hi, this is all new to me but does anyone have any opinions on easy buy option offered by crest nicholson. idea is that i move into a new build with no deposit I pay only 75% of the purchase price now Your home is 100% yours from day one – this is not a shared ownership scheme - You pay no rent or interest on the…
