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Mortgage Information
Hello, Please suggest a mortgage information website? Please reply me.Am waiting :j Thanks In Advance:p
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Remortgage for cash
Hi Guys, I have been living at home for the past 3 years with my wife, my elder brother and his wife and also my younger sister. As you can tell it’s getting a little cramped but this was simply to help my wife and I to build up 35k deposit for our new home. This simply is not a big enough deposit for us to buy a decent…
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can i transfer name on deeds without changing joint mortgage
please please help me..... i am in a middle of a breakup and my wife wants to put the mortgage into my name only and pay her off £20,000. problem is i am self cert with a brilliant accountant who saves me a huge amount of money from the tax man which shows my profiit at end year at only approx £10,000 when in reality i…
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May have made a bo bo!
Hi, looking for some reassurance really because I have done something VERY silly:shhh: Surrendering a Legal & General endowment policy and sent the policy and a couple of letters from past mortgage holders confirming they no longer have any interest in the policy on the 18th Dec. I rang today and it isn't showing as…
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Scenario A or B?
What would be the better scenario when applying for a first mortgage Scenario A.... Having 3000 saving and 2000 credit card debt? Scenario B .. Having no savings and no credit card debt? Thanks Stuart
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Shared Equity?
Hi there, I am a first time buyer who has seen a shared equity property I would be interested in. I have read a few places that the participating mortgage companies take the government loan part of the house as the deposit. Is this true? Any help would be appreciated to get over the HUGE deposit needed else. Thanks
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mortgage in euros?
Hi guys, just a quick question is it possible and worthwhile to take advantage of the euro/£ rates where I get a mortgage in euros for a house purchase within the UK? Thus taking advantage of the STRONG euro. Howard
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Should i cash in my endowments to improve my LTV % rate
As my house (The house is only 16 months old) valuation drops more each day and my fixed rate mortgage runs out in March.I'm looking at cashing in my 3 endowments which have surrender values ( I am in the process of getting quotes to sell them) totaling 40k to offset the the margin of the valuation of my house against my…
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Norwich Union 'mortgage endowment promise'
For Norwich Union policyholders who, like myself, are still clinging on to the hope that the insurer still continue to make these additional payouts in future years these are very nervous times. As Norwich Union's endowment promise is based on the performance of its free reserves does the turbulence in the financial…
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is it legal???
hi i currently rent my home from my sister who purchased the house as an investment before moving abroad. The situation is that i would like to buy the home and she agrees this is ok, however i have a poor credit history and know i would require a 10% deposit in order to even be considered.This is money i do not have, So…
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FTB 15000 deposit but poor mortgages
me and my girlfriend have 15000 deposit for a house, about 10% deposit. we earn around 50,000 per year. started looking at what mortgages are on offer and they all seem very poor. id like a fixed rate for 3 to 5 years but with 90 LTV the rates are around the 6.5% mark. unless you have 25% deposit you cant get anywhere near…
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Mortage tie in ends at end of Jan (A&L) opinions please
Hello just after a few opinions please as my mortgage fixed rate is coming to an end with the alliance and liecester at the end of jan. House Value : 89000 (According to a&l) Owe : 51272 LTV : 57% (According to a&l) They have offered me a 2 year fixed at 3.99 with a £384 fee (0.75value), and wondered if anyone knew of a…
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can i re mortgage?
Hi all! glad I joined this great resource My question is, will I be able to re-mortgage, this is my situation I’m in a lot of debt A LOT! About 4 years ago i decided to try and sort out the mess I got my self into, I owed 52K in unsecured debt (Gulp) any way I’ve reclaimed bank charges, PPI insurance ect and made…
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Still no official word from First Direct regarding December's drop in interest rates?
I received a rather helpful letter today advising that my ISA has gone down to 1.49% wef 11 December, but i've still not heard anything regarding how the December BOE rate cut will affect their SVR, apart from one member on here about 3 weeks ago, who said FD are passing it on in full. Anyone else heard any news on this?
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First Time Buyer
Hi, I am 23 and currently earn £30,000. I have £7000 currently saved for a deposit, and want to buy a house in the first quarter of 2009. My outgoings are currently around £300/month (food-fuel-rent) so everything else I take home is going into the deposit pot. A few years ago I wasn't sensible with money getting into a…
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help! Pay off 5% of my mortgage or not?!!
Hi , im stuck in a bit of a dillema at the moment, i am coming to the of my 2 year fixed deal of 5.34% with a+l. i am planning to stay on their svr rate for the time being which will hopefully be exactly the same rate. i purchased my flat for 130k in may 07 with a mortgage of 110k , i payed off 10k last january (as you can…
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endowment statements
I have just recieved this years statement and was horrified! whilst everyone knows endowments are not reaching potential I now discover mine is worth less than it was 12 months ago despite premiums of about £2500 this year. I have effectively lost some £4000 in the last year as if I had cashed it in and stuffed it unbder…
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Confused about remortgage deals....please help
Hi, you've probably read the same question millions of times, but I really need your help!! I am at the end of my two year fixed with A&L, on 4.99. I was going through 0.99% above BOE with HSBC but my LTV came back at 67% which they would not agree to. I originally bought the property for 155k in april 2007 spent 15k on…
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Mortgages...does one need to put down a
percentage to get a decent mortgage rate. does one have to put anything down?!!(thought i would ask that too). i would ideally like to move. rent ours out and get somewhere else near the sea. what would you recommend? thanks
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Another 2 years on Tie In...Can I Negotiate
Hi I took a mortgage out with The Chelsea around 1 year ago with a 3 year fixed rate. At the time I had adverse credit history and had to take the rate on offer (also self employed so self cert). 2 months ago my credit rating became crystal clear but I am obviously still tied in a the silly rate. Would it be worth trying…
