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Joint application or not ?
If my wife has a bad credit rating would it be better (and if possible and it makes a difference) to apply for a new mortgage in my name only ?
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C and G
What are their timescales like at the moment? Ie Time from application to valuation and Time from valuation to offer? Roughly :confused: Cheers:rolleyes:
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HSBC deals changed to 75% LTV
Just noticed on HSBC that all the deals on fixeds are no longer 90% LTV. I was looking at the 3 yrs fixed at 5.69 - but this is no longer available for 90% LTV people, only 75% amazing how quickly it all changes!
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do i sign my offer letter BEFORE i've heard valuation?
HIya guys, I've gone for the lifetime HSBC tracker - i've had my offer letter today - but bit worried about the valuation - i need a value of 180K on a place i paid 170K for 2 years ago. Nationwide valued it at 175K 2 months ago - so it purely lies in the hands of HSBC's surveyors. Anyway - i had the offer letter package…
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Please can someone explain this "portabilty" lark??!
Hiya, My exisiting mortgage is coming to an end and I'm looking to remortgage (at the moment FD's 2yr fixed rate of 5.19% looks a strong contender). I think I might be moving in 12-18mths time. I understand most products are portable so I'm guessing I just change the address/deeds etc when I buy my next place? I don't…
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End of fixed deal
I am coming to the end of a fixed deAL WITH nNR and am looking to re-mortgage. I Owe £35k on mortgage house worth approx. £160k Have £10k in savings Owe £2k on personal loan whicj I will pay off. I am thinking of an offset mortgage with a view to pay mortgage off ASAP. Most offsets require a minimum loanof £30k. What would…
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Pearl endowment maturity
Just realised our Pearl endowment policy matured on 16 September ( we had got 29th in our heads)and we have heard nothing from them, not even asking for documents. Surely they should have contacted us, not vice versa? We will be on the phone Monday morning but meanwhile any comments please? BTW it is no longer linked to a…
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Fixed rate mortgage
I am looking to remortgage and my current provider have offered me a 10 year fixed which i am tempted by. its 6.09 % (6.8 apr for comparison). in the current climate i like the idea of a fixed mortgage, even though interest rates could go down. the only fee is £199. what do people think ? does it sound a good offer
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monthly mortgage costs????
Hi everyone, Me and my hubby are currently in a situation where we need to move from our rented accom and are unsure what to do. At the moment we pay £350 a month for our terraced house in lancashire and need to move as the house needs work doing that the landlord wont do and after 12 months of asking have decided its…
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mortgage with a ccj
hey guys i know that this has been asked loads of times but this is my situation i have a ccj for £100 from 2005 satisfied around 6 months ago i want a mortgage for 93000 i have around a 9000 mark for a deposit seen the house i would like but not sure how to go about a mortgage with such a low deposit and a ccj on my file…
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Remortgage or sit tight? Advise please!
Hi I bought my first flat 2 years ago for £80000 (outstanding now approx. £73000). My mortgage was an A@L fixed rate of 4.99% for 30 years. This fixed rate ended last month and has now gone to a premium rate,a variable rate,of .990% above the bank of england rate (approx £50 extra per month at present) for the remainder of…
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one account
Is the one account any good, tells me I could pay off my mortgage 16 years early. Sounds all too good to be true, whats the down side?
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Valuation for remortgage - what are they looking for?
Morning all. We moved into our little house 2 years ago and were on a fixed rate mortage which has now expired. After lots of reading and consideration we've decided to go with the HSBC fee-free tracker which which we can only have for an LTV of 90% or more. We very nearly had a good fixed rate deal, but needed 85% LTV and…
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Mortgage Arrears
Hi, my first post on here, I hope someone can advise me, I have current arrears on my mortgage for just over £5,000.00, I have recently changed employment from being self employed to being employed, I am salaried, so no overtime etc, I had a phone call this morning from my mortgage company GMAC, they were asking me about…
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Banking crisis effect on mortgages?
We've always gone for a fixed rate mortgage but are unsure whether to do so again in the present climate. With the banking crisis still unresolved, are mortgage rates likely to go up or down in the next few weeks?
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mortgage companies free for all
Hi We have endowment with the Halifax they offered us a small amount of money based on fsa calculations about 5 or 6 years ago. We didnt know what to do so accepted the amount. Now we have been told (in writing) that they have now added over £1000 to the amount under the endowment. what is this about? These companies are…
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Britannia
I am giving up on trying to sell my flat (over 15 months on market). I am paying a very high rate with Woolwich, so am going to remortgage. The plan is to stay here for another 2/3 months, then rent this place out. The rental will more than cover the new mortage fees (Fixed for 3 yrs) My question..... If I remortgage with…
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A brain wave on saving money on my offset mortgage????
I had what I think is a brainwave but would like advice if others think this sounds good or not? I am in the process of starting a fixed rate at 5.49% for 2 years with First Direct this is an offset mortgage. I have setup an offset savings account too, the girl told me on the phone this is equivalent to receiving 7.7%…
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Repayment, Interest only or a mix of both?
My fixed rate ends at the end of December. I have been looking for a new deal. My mortgage is £145000 and the value of my house is £172000. For a fixed rate I can get a deal at around £840 per month. However, using the HBoS site where it offers a choice of interest and capital, I can get a lower monthly rate. For example,…
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How clean do you need to be.....
Hi all, Does this make sense to anyone. I am just coming to the end of my fixed rate with NR (December) and I have applied for a Woolich product (fixed for 5 years). However I was shocked to find out that my application had been declined for credit purposes. So off I went and ran an Experian check on my wife and I. Both…
