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can i remortgage by 1st Oct
how much time will it take to remortgage if i go for an offer Monday. can it be finalised by 1st Oct?
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Mortgage Payment Holiday - Good Idea???
Hi All, I'm new to the site, but could do with some advice.... Basically I'm looking at a 12 month payment holiday on our mortgage, the payments will increase by about £50 pcm at end of holiday. The reason I'm looking at this is because my business is having cashflow issues at present so I need to reduce my drawings, what…
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First time question
Hi all, Right this might seem a bit of a blonde question but here goes. I want to buy my first home and to make it easy i will say £100,000. I have a 5% deposit of £5,000. The bank says fine we will give the mortgage for £95,000 for the property does that mean: A: The total £95,000 is made up of £5,000 deposit and £90,000…
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Mortgage with Nationwide
We are first time buyers and applied for a mortgage today. We have secure jobs and around a 25% deposit. They agreed to lending us the required money, and then performed a credit history check. I believe mine passed OK, but my girlfriends came back as needing to be confirmed by head office on Monday. She is new to…
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Remortgage Advice please
I currently have a mortgage with Halifax; o/s amount £13500 with 6 years to pay. 'm looking to do some home improvements and want to borrow approx £40k. However, when I've applied to Halifax they've refused my application because of 2 defaults on my credit history. These relate to a TSB current account and a personal loan…
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mortgage & insurance help
Hi, I've owned my house for a year now and all I have is buildings and contents insurance. My fiance lives with me & the only reason he is not on my mortgage is because he has bad debt from being in the army - he is currently in a Scottish trust-deed & is repaying his debt - this is being set up for 3 years & he's been…
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Lender Mistake Has Made Me Livid!
last year, i had to go to court with regards to my property but was granted a suspended possession order to which i have kept up with the agreed payments, on time etc and hoping within the next 2 months to clear my arrears as they are now not too much. My direct debit was not taken by my lender on 1st Sept, i contacted my…
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Mortgage with bad bank record
I am interested if person has the bed record where he can morgage from. Are there any society or company which can help with. Second question, if person pay 30% from mortgage can this help to get it
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remortgage application cancelled
I have paid a financial advisor to arrange a remortgage . It was due for completion at the end of the month . I have received a letter from the building society today stating it has been canelled due to lack of action ! Tried to telephone f/a and his number is out of order . Building society and solicitors office both…
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re mortgage advice please!
This is my first post! I would be grateful for any advice. My fiance and I bought a house in Oct 06. It is a 3 bed new build in the South East and we bought it off plan for £239,999 in a large new development. We got a good deal because we were the first to reserve a house in that building phase. We took out a two year…
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One account - payment date?
Hi all, Can anyone help? What day should I set up my mortgage payment to come out? My salary is paid in on last working day of month.
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mortgage arrears!!!
Morning all Have spoke to my mortgage lender about the situation we are in but they are not useful or sympathetic:o !We fell behind on our mortgage last december where a verbal agreement was set in place for us to overpay each month by £100 to clear 2 missed payments which total £1400!Unfortunately due to difficulty we…
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mortgage rates coming down....what to do.
I've noticed that in the last month since ive been having to look for the best remortgage deal (as my deal runs out 1st Oct) i've noticed the rates have come down quite a bit. I beleive this is something the BOE have agreed with lenders or something - and is ending at the end of october. Quote from bbc: "The Bank of…
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What Is Doc Free Mortgage Refinancing ?
[FONT=Arial, Verdana, Helvetica, sans-serif]DIFFERENCE BETWEEN 'DOC FREE' AND 'DOC MORTGAGE REFINANCING'[/FONT] [FONT=Arial, Verdana, Helvetica, sans-serif]Refinancing a home loan requires you to present the mortgage company with various documentations as it is as a new mortgage. However, there are ways to obtain a loan…
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Will we ever get on the housing market
Me and my partner have been renting for 3+ yrs now and worked out we've paid over £20,000 in rent :eek: I earn £15825 per year and my partner £19980. We have no deposit, but we're interested in a shared ownership scheme. We've found a website offering this. But wanted to hear your advice around doing it? Is it a good idea?…
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FEE FREE HSBC tracker!!! Finishing on Sunday!!!
Get this deal as fast as you can. HSBC tracker deal will no longer be fee free. A booking fee will be available. But....... fixed rates are going down. I popped into the branch and one of the advisors told me.... Fixed rates are going to 5.97% £599 booking fee 90% LTV. What a deal....
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my pensioner mums mortgage dilemma
Hi - Ive posted here before but my mum is in a sticky situation and i thought id ask you guys if you can offer any advice? I hope so. Back in July 2007, my mum downsized, selling her 4 bedroomed x council dwelling for a small bungalow. (155k sold for, bought bung at 151k). Although she only had a £13,000 remaning on her…
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Shared Ownership Mortgage mis-sold?!! Financial Ombudsman case??
I have been trying to add additional borrowings to my existing Shared Ownership mortgage...but have been advised that will not be possible because the terms and conditions around these types of mortgages dont permit that for debt consolidation. I took out my shared ownership mortgage with Halifax through a broker. I was…
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Ftb-help Finding Mortgage
Hi there, and thanks for looking and hopefully giving me some pointers to which way to turn. I am a FTB have reserved a property which is new build & I am getting an 80/20 shared equity deal with builder due to LTV with new builds, I also have a further 5% deposit therefore I am looking for a 75% mortgage. I have had a…
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Ftb-help Finding Mortgage
Hi there, and thanks for looking and hopefully giving me some pointers to which way to turn. I am a FTB have reserved a property which is new build & I am getting an 80/20 shared equity deal with builder due to LTV with new builds, I also have a further 5% deposit therefore I am looking for a 75% mortgage. I have had a…
