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Best Mortgage?
Hi All Is there such a thing as the best deal around at the moment? We are coming to the end of a term with Halifax and are just starting to look around at what is available at the moment, I have had a quick look on moneysupermarket etc and there is a deal which Woolwich/Barclays are offering.Product Type: Mortgage Lender:…
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crap deals for 90% LTV people
I feel very lucky that i managed to get the HSBC lifetime tracker at + 0.79 above base. (was avail until 2 weeks ago for 90% now only 75% ltv customers) Since the rate cut, customers on 90% LTV (me) are being offered deals like +2.5 above base, putting them on about 7.00% or worse.... Scandalous!!!
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Northern Rock fixed rates on website
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mortgage advise
Hi Can anyone advise me the best rate(remortgage) available I only have LTV approx 89%???.... Thinking of a tracker...my fixed rate finished and I"m on a variable.. Thanks
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Changing to an interest only mortgage
Hi there I have a repayment mortgage with A&L and we are looking to rent it out. They said we could do this if we pay a fee of £95/year. Fair enough. But is it a straight forward request to switch it to an interest only mortgage? If it helps it is on a fixed rate until Januray and then reverts to a tracker + 0.75% after.…
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Split with ex, he's buying me out and current mortgage out of deal - few questions
Hi there, If anyone has any advice or opinions on my situation, I'd be grateful. Ex and I split a few months ago and are joint owners of our house which has been on the market, but isn't selling. New plan is:* he buys me out, extending the mortgage by about £15k * has interest-only mortgage * gets consent to let * lets the…
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Advice on Mortgage in Principal
Hi All, Please could I ask for some advice? We have a mortgage in principal from the Bank of Scotland for a tracker mortgage. We have had it for 6 weeks and it runs out in February. Basically, everyone keeps telling us that they probably won't go ahead with the offer, the rate will change, they won't give us the tracker…
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Mortgage and Debt advice please
Hello, please could you help or advise - my husband and I would like to purchase a house for £85,000. My husband has debt of £5000 with his ex wife (this was taken out in 1995), until recently, after we recieved experian report, we were unaware they had been a default on the account in Jan of this year (we pay agreed…
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Endowment should we cash it in?
Had two NU endowments since 1987. Already complained of miss selling and got 2 grand back on one of them last year.:rotfl: Now worried about the situation on the finance front like many others so today phoned NU for surender value. It is approx 21000 for both policies or if they matured today would be approx £26000 for…
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What is 'Bank Base Rate'?
Is this the same as the Bank of England base rate? My BTL fixed rate mortgage comes to end in Jan 2009, and the documents say that once the fixed rate period ends, I will go onto a variable rate, which is 'Bank Base Rate plus 1.75%' If I'm right, then my interest rate would be 4.5 + 1.75 = 6.25% But am I right? or sadly…
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Britannia Mortgage......
Hi Looking for a little advice needing to get a mortgage in place for the purchase of a new house on the 12th Dec, i need 270k for a 340k house Having a look on the moneymadeclear site, the best rate going for me on a 3yr fixed is with Britannia. my questions are, Are they a decent lender? Is there anything i should be…
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Offset Mortgage - Dangerous Risk Potential???
I have an offset mortgage with Woowich (Barclays) Mortgage is £185k This is offset with a savings account of £150k Now, if/when Barclays goes bust, will they do the honourable thing and simply nett things out, taking my £150k and deducting it from the £186k - leaving a mortgage of just £35k...? ... or will they keep my…
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Mortgage issues, advice needed....
Hi All I need some advice please. I have a mortgage with IF for £144000.00 i have tried to sell house for the best part of 9 months for this amount, but like most have not found a buyer, i am now renting it out for £650.00pcm, my mortgage repayments are £830.00. We are in the process of moving to Oz and will have to…
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Sell 50% House Stake to a Mate?! How Easy?!
The house I bought 2 years ago is now up for remortgaging. Circumstances have changed now and I'm looking to get a place with the GF. Another friend has suggested he takes over on the mortgage in my place if we can come to a agreement on a figure, meaning i'm totally free of the house and able to get another one with the…
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Opinions on mortgage strategy
Hello, I thought I'd outline my plan and see what you lot thought of it. I have a 114k mortgage on a 140k flat and my plan is to: 1. transfer to an offset (current + savings + mortgage) account with IF 2. use a CC for all my payments and pay it off in full at the end of each month ensuring therefore that my current account…
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split from partner and remortgage needed - HELP!
I am hoping someone may be able to give me some pointers in the right direction.... My partner and I have split. He wants to be released from the existing fixed rate interest only mortgage with RBS which has one yr remaining before reverting to SVR. We have borrowed over 90% of property value. I wish to stay in the…
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what is a libor mortgage and rate??
hiya a quick question this libor rate what is it about pls can anyone explain,,,my friends mortgage rate is going up her monthly payment will increase from 1200 to 1600 pounds what can she do if anything pls,,, ta muchly maz
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Edeus Mortgage
I have my mortgage with this company, who have gone into administraion i see on their website on wed 8 oct. What effect will this have on people with mortgages if they cant find a buyer etc.
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Small Mortgage
Some time ago I read that a building society officially classed a mortgage of £30,000 or lower as a small mortgage. Just wondered if that has changed and if so what is it now ?,as it's always been a bit of a goal of mine (and I imagine,lots of others !) to have an official "small mortgage ".
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Any Advice please
I have also received a letter from UBS offering me 5% back and also they would not charge me the penalty for transferring mortgage - I have had my mortgage with them for just over 12 months and was on a fixed rate for 2 years - since receiving this letter I have tried to remortgage with Halifax and they said they had never…
