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Help - single income on mortgage
Hi Can someone offer advice, my ex-fiance has left me, he says he doesn't want any equity from the house. We took the mortgage out in Dec 05 so we have only been in the house just over 2 yrs. I've phoned the mortgage co to ask what info they need to take him off and they said my income must cover the £112K left on the…
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moving home £1800 exit fee
just sold my house and have to move in november proplem is there is a £1800 exit fee which is up in jan 09 if i over pay next month by 1 month then take a months pay holidy would i still have to pay the exit fee
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Can anyone offer advice please
I am writing because over the years, without telling me, my Mum as racked up thousands of pounds of debt (including two secured loans). She cannot keep up the payments and I've run out of money trying to help her out. The last thing I want is for her to lose her home but I'm no expert on these matters. She's been to the…
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First Time buyer, need advice!
Hi IM A SINGLE FEMALE AND I WANT TO BUY A HOUSE, I COULD GET 5K-10K DEPOSIT, AND WOULD BE LOOKING TO BUY A HOUSE FOR AROUND £100K. DO YOU THINK IT WOULD BE POSSIBLE TO GET A MORTGAGE. IM REALLY WORRIED WHAT WITH THE CREDIT CRUNCH ETC. WDOES ANYONE HAVE ANY TIPS OR ADVICE ON WHO TO ASK FOR A MORTGAGE, OR WHO TO ASK FOR…
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Anyone been offered money to move from morgage comp!!
Hi :confused: just had a quick chat with FA as fixed morg due to end in october and looking for new deal, he has just mentioned that some morg companies have been paying up to 5% to actually move to someone else (my current morgage is with capstone- used to be preffered morgages) anyone heard of anything like this .....…
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Mortgage advise please
Hello, I currently have a £40k mortgage on my house which i own £180k of as I inherited the house and borrowed £40k to renovate it. Currently I'm with The One Account but as im not very good at keeping a eye on my money i want to change the type? I would need a morgage that would allow payment breaks and over payments as…
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Mortgage Arrears Charges
Can the various charges for letters @£40 a time be challanged in the same way that credit card and bank charges are being challenged
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Is it worth keeping a very small mortgage
I recently paid off most of my mortgage but have kept a debt of £400 outstanding with very small monthly payments. Is it worth doing this so that the bank keep the documents safe, or are there no documents in any case as the house is registered with the Land Registry?
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New Stamp Duty Threshold
up to £175 from £125k for one year only apparently
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Combining 2 mortgages
Hi there, first time poster to the site and hoping someone can give me some advice! Myself and my wife bought a new house 18 mths ago so we had to take out an additional mortgage to finance the purchase, this was a 2 year interest only fixed rate (5.29%) that ends in November 08. Total 90k. Mthly repayment £401. This was…
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RBS cut rates
as of yesterday RBS reduced their rates - as an existing customer this is great news for the higher LTV bracket people like myself... as i can now get a 5 or 10 yr fixed at 6.24% - i think its 6.39 for non customers.
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First Direct - how can you tell them what date to switch your mortgage? Help!
Hi, we're coming to the end of our fixed-rate with Nationwide as of end September. In July we started the ball rolling with re-mortgaging and decided on the First Direct offset. All seemed fine, it was approved, but now they have started it a month early! So we are on the higher rate for an extra month and also have been…
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Nationwide loyalty remortgage question
I'm currently on a fixed rate with nationwide which is due to end at the end of November. I'll probably remortgage with the nationwide onto another fixed rate deal but have a couple of questions on this: 1. How far in advance would you normally need to start arranging things if you're planning to stick with the same…
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Mortgage early repayment charge refunded!
Just to make others aware!!! Abbey have just refunded my mortgage early repayment charge and all bank charges. Sorry it's a bit long winded Recently my bank charged me for going 8p overdrawn, due to my own fault and not checking my bank statements for some time i accrued bank charges totalling £160 (taking me further into…
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One Account. Any info please.
I have a mortgage with NR which is due to end in May of next year. I have approx 50% equity in my property. My mortgage is 75k and my current mortage current payments are £550 per month. I earn aprox £2000. My question is does anynoe have experience of One Accout, who is it good for, is it better than a conventional…
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Interest Only Mortgage - Regular Savings
Guys a little advice if you would. I currently pay £978 on a repayment mortgage, i have 25 years left, with an outstanding mortgage of £143000, my house is worth roughly £180000. I have spoke to the bank about going interest only, this would bring the payments down to £700, leaving me £278 a month after paying the interest…
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Letting Flat Option
I have been living in my flat for just over a year on a interest only residential mortgage with GMAC, I have just got a new job some distance away from the property and will have to move nearer to the post. My mortgage terms doesnt end until next march so I cant sell the property (there is a high redemption fee, in any…
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transfer of equity / remortgage help...stressed mum of 3
Hi all, I have only posted couple of times before but so stressed i thought i would come on here and make use of all your knowledge. I have just got my decree absolute 2 months ago. I have a consent order which me and my ex husband have agreed and are happy with. Basically he is to come off the mortgage and the deeds and…
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My Policy matured but seems very poor
Can anyone offer some advice? Back in 1983, I bought into a life assurance policy with Canterbury Life. This policy is linked to Lloyds Bank Worldwide Growth Unit Trust. It was initially for £15.00 per month - at the time quite a lot of money for me - but over the years, payments increased by pennies. The last payment I…
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Can anyone give advice??
hi my husband and i own 2 houses ( 1 we rent out and the family home) we have been offered our dream home but with having no joy at selling either of our current properties we are looking to secure £290k worth of finance (either mortgage or loan?). Our traditional bank has more or less laughed at us, but we've done our…
