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Remortgage with ccj
Hi all, me and the wife are about to try to remortgage our house to raise some capital for home improvements - the problem is the mortgage is only in my wifes name but in order to get the extra capital I will have to be added to the mortgage - unfortunately I have a ccj through no fault of my own as a car I sold the new…
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WORRIED - Will the house be repossessed?
hi all :) i live with my partner who bought his house in Dec 2006, with a 115% mortgage. only his name is on the mortgage as it took into account previously existing debts which he doesnt want me to be responsible for. We are worried that with the depreciation of the value of the house (bought for £170k, mortgage £185k)…
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Early repayment charge
Our 2 year deal is comming to an end on 31st December. We have secured a good deal with a different lender and I would like to get everything moved over ASAP in case they change their minds. The problem is that there is an early repayment fee on our current deal and it is quite steep. My question is - is it worth phoning…
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Offset mortgage dilemna.
I have an offset mortgage with a mortgage rate fixed at 6%. The capital is £130K. If it were possible to offset the whole amount I would have three choices a) to repay all bar £1 of the mortgage with no penalty, b) to continue paying at my current rate and reduce the capital by about £8K a year as the over-paid interest…
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Chesea BS SVR 7.24%
Does anyone know if Chelsea are going to bring down there SVR due to the cut in BOE base rate? I cant see any info on there web page.
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Mortgage for people with limited leave to remain in UK
Hi. I am after a lender who will give a mortgage to a joint application where one person is a British citizen and the 2nd person still has 12 months to go before they get indefinite leave to remain in the UK. So far : Skipton do this Nationwide said no Halifax said possibly RBS no woolwich asked for a 20% deposit Natwest…
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can you pay a large amout towards your mortgage
I will be getting some inheritance in December that I want to pay off some of mortgage off with, can you just make a large payment off your mortgage? cheers
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Extending mortgage
Hi all - we planned to extend our mortgage, before all of the money troubles started, for some home improvements. We went to our bank and they agreed in principle to extending the mortgage and gave us a rough idea of how much more it would be. At the time we didn't have any definite figure. We are nearer that now, but we…
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mortgage
Can anyone give me some advise please. My partner and I are considering getting a mortgage together. I have a clear credit file. He has no credit and all. He is not on the electrol register anywhere and is aware he needs to get on the electrol register to increase his credit score.In Nov 2003 (this will drop off credit…
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Getting a mortgage - defaults on credit file
Hi I ve recently been looking at getting a mortgage and my friend would also like to get her foot on the ladder somehow but isnt sure if she'll qualify for a mortgage. Does anyone know if its possible for someone with defaults on their credit file to get a mortgage?? My friend wants to go thirds on a property with her…
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re-mortgage
hi im looking to re-mortgage at the minute on a 2 year fixed deal wich i normally go for,the deals are pretty poor,ive been told to snap up the best offer just now,but im not sure about doing this plus the fact ive heard some people say that interest rates could come down again and again to 3% therefore a tracker might be…
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Advice wanted please...
Hello everyone, this is such a fantastic site and this is my first post so please bear with me.:beer: I am really quite confused as what to do about our remortgage. Our situation is as follows: Mortgage with HSBC, due to re-mortgage on 20 November 08 Our current rate is 5.29 - .96 discount off HSBC VR, with standard…
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remortgage confusion
Hi I am in a confusing situation. My 3 year fixed mortgage runs out in March 2009 and I am in the process of finding a new deal. Once i get my new mortgage, there is a chance that I will need to relocate back to my parents, therefore potentialy leaving my property uninhabited. My question is Is it possible to get a normal…
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Mortgage Advice / Partner Buy Out Advice
Getting divorced, joint ownership of house since 1999 ammicable 50/50 spilt division of debts and assets house valued at £118,500 on market at £115,000 Outstanding mortgage of £39,992.20 1x Unsecured Loan @ approx £20,000 which has a settlement figure of £13061.65 partner happy with settlement figure of £25,000 if i want…
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First time buyer - advise needed please.
Hi there, I am considering buying my Fife council house which I have lived in for approx 8 years. I have not had the house valued as yet but think it will be worth around £65,000. I am entitled to a 50-58% discount. I am currently in full employment which I have been in for around 4 years & earn a salary of £16,000 per…
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Opt out before its to late, Advice
Hi all. looking for a bit of advice. we are in the process of buying a house, bargain even in todays market Lady died so no chain to upset Got the mortgage very easy for first time buyers with only 5% dep. everything is moving forward. banks Survey done. just had the Mortgage papers in to sign, and then hand the solicitor…
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Waiting to re-mortgage
I thought I would post this in case it helps others on here. It's been my experiencce lately that people have been waiting and waiting to re-mortgage hoping for new better deals to come out. Some have lost out on deals as they have recently been going up and some think that they may be able to get onto a new deal now that…
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About to remortgage - help!
My great fixed rate deal with A and l is coming to an end. At 94% they're the only people who will lend me the sum. I need fixed rate and at the moment this is 6.69%, meaning my payments will go up by £230 a month. My question is: is it worth going on the SVR for a month or so and waiting for them to cut this rate? I would…
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tracker and variable
Hi Had a tracker rate with Nationwide when we took at the mortgage (lasted 2 yrs) now gone on to variable rate. Noticed mortgage (std repayment type) has gone up by £150/month. Maybe I misunderstood but I thought tracker guarantees matching the bank of england rate and variable does (but not guaranteed). Does anyone know…
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Tracker Mortgages
Afternoon all Quick bit of advise please. If i take out a full term tracker for interest only and then say in 2 years time i want o convert the same tracker back to a repayment can i do this. Im with C+G and probably going to take one of their deals ie +.89 many thanks Golfer
