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Paying secured loans, how much?
Thankyou for the information
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Britannia Trackers - No collar
Hi I've just spoken to a mortgage adviser at Britannia who assures me that none of their trackers have a collar. This will change for future trackers. GG
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C&G SVR annoucment??
Hi - Received a letter yesterday, stating that after my fixed term ends (31st December), then i will revert to SVR which is 5%. The letter is dated December 2008 - i thought they had reduced it to 4%? Or can they choose who to pass this onto?? Anyone else had the same letters? I havent rang up yet.....just wondered if…
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Swift Advances
Hi, please could anyone give me any advice on the above company. I took out a mortgage with this company in 2004, due to illness and redundancy we got into arrears when the ppi I took out only payed 75?% of the monthly amount. However redundancy is highly likely after xmas and as we have a reposession order against our…
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Advise
Hi, Im in need of some advise having recently remortgaged. In September 08 we remortgaged from Natwest to C&G. Our mortgage advisor told us that we would pay two months worth of payments for C&G at the beginning of November. This paniced me slightly as we had no way of finding an extr £820 on top of what we were already…
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help needed split up between exchange and completion
Hi me and my boyfriend were buying a house in Leeds, the problem is he lied about having a job, got fake payslips printed and spent the £8000 his parents gave him to buy the house which was to be used for deposit/stampduty. As far as I now know he is in quite a lot of debt (undeclared on mortgage application) and he has no…
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maximum mortgage
Any contributions as to the maximum mortgage possible on a £20,000 salary with a £100,000 deposit? Thanku
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re mortgage
im about to remortgage, and ive seen quite a few good deals that are online applications only, any advice as to go to a financial advisor or get a mortgage online, or maybe do both .:confused:
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With A&L but can I do better?
Have been with AL the last 3 years and came off the discounted deal about 2 years ago, so basically I'm on the SVR. I have 2 mortgages with them 1 repayment and a 50K interest only. Interest rate on the repayment is currently 3.95% & I'm paying 4.04% on the IO. I have ~ 50% LTV, but enough savings to bring it down to 65%…
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intelligent finance - halifax
Yiphee - at last today I got the letter from inteligent finance that my payments will reflect the 1.5% recent drop in interest rates BUT not till January.....like other mortgage providers. Everyone had their letters then? Should save me over £100 a month !! Pam
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Mortgage in husbands name, title in both names -possible?
I that possible, to have the mortgage in my husbands name only but the title in both our names. I am currently at home with our children but have a small online sole trader business that at the moment does not generate an income, I put more into it than I get out. HSBC on the phone seemed a bit unsure about this. How is it…
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New Mortgage - But have IVA
Hi, I currently have a mortgage with intelligent finance which is a tracker (0.4% above base rate - lucky me!! but only until March!!) but my deal expisre in March when I will revert to variable rate. Unfortunately in the last 2 years I encountered some quite severe money issues which now means on top of my £138k mortgage…
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Nationwide 2 Accounts Being Charged 2 Arrangement Fees
Need some advice. My fix rate with Nationwide ends Jan 09, I have 2 accounts on the same fixed rate product of 5.29% (2 yrs ago I moved, ported over existing account of £43 and borrowed an additional £33k). Last month when I enquired about fixed rates I was told there would only be one arrangement fee charge to pay even…
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Homeowner Mortgage Support Scheme
Does anyone know how to claim on this new legislation and when/if it's going to kick in? We're getting scared!!! Thanks!
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Where is Mortgagemamma
I have searched the threads does Mortgagemamma still post?
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remortgage application
I have just applied for a joint re mortgage to a bank/building society with my ex partner, we have been turned down as we are not living in the same property. No where in the info on line, mortgage application or facts illustration does it actually say that as joint applicants you have to live at the same property. I have…
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Natwest SVR
Has there been any confirmation about whether or not Natwest will be reducing their SVR following the 1% cut?
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Difficult mortgage situation
Morning everyone, I have signed up to get a bit of unbiased mortgage advice from people. Bit of background - I am 25, single, working, on a current salary of £16,500 and have owned a flat for the last 2 and a bit years, currently paying a SVR of 6.24%. I have a poor credit history from student debts and unfortunately have…
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Fixed Rate for Low LTV
Hi guys/gals, I'm looking at getting a medium term (5 to 10 yrs) fixed rate mortgage. Can't see the point of a 2 yr fix, and don't want a tracker - both seem to be recipes for disaster given that BR is so low atm, and only really likely to be higher in 2+ yrs time. I have more than a 50% deposit, and this is for a new…
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Shared Ownership - fixed rate ending Jan 09
Hi, I bought a 40% share in a shared ownership property (2 bed flat) back in Feb 07 at a rate of 4.99%. Halifax have written to me to tell me that my fixed rate is ending and would I like to remortgage or it will switch to the standard variable rate 5.00%. This is going to make no difference to my payment which is great.…
