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Am I safe on the LIBOR rate? advice pls!
My parents took out a £195,500 12yr interest-only mortgage with GMAC in April 2007 just before my mother went through an IVA, and as our current fixed rate ends this April and our mortgage took about 3 months to complete last time, I've started to look around at our options. At the moment we are on: 2 yr fixed rate @ 6.39%…
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Redundancy And Mortgage Insurance
Hi! A few days ago I was made redundant. The week I was being made redundant my Doctor signed me off through stress and depression. Will this affect my mortgage insurance as I believe you have to sign on to continue getting your mortgage paid via the insurance. I filled in a form on the internet to apply for income support…
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Advice on morgage deal for swamped couple!
Hi, First of all, thanks for looking. I am needing help to find the best morgage product for me and my husband. Both me and my partner have recently (within the last month) found perminant employment after years on a temporary contracts! So we are now looking to find a morgage and move home. We now have an annual income of…
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Urgent Mortgage Help Required Please!
hi, my current fixed rate mortgage which was for 2yrs fixed @ 5.19% with Natwest is due to expire on the 31st of December 2008. i have been offered from Natwest a new rate interest only, 5 yrs fixed at 4.79% with a set up fee of £999 which i will have to add to my current mortgage due to my financial situation. My personal…
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mortgages
I would like some advice about mortgages, i have the worst credit rating in the world but i would like to buy my first house where would i find a mortgage that would not rip me off ?? i would be grateful for any advice.
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Shared Home Mortgages
Hi, Can any one tell me a couple or so good companies to speak to about the above mortgages. Regards, Treeman3
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Brown unveils mortgage help plan
Brown unveils mortgage help plan http://news.bbc.co.uk/1/hi/uk_politics/7763044.stm People facing repossession will be able to defer part of their mortgage interest payments for up to two years under plans unveiled by Gordon Brown. The plan is designed to give those who lose their jobs or take a big cut in their income an…
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Advice for Scottish FTB
hi all! Im after a bit of advice from all you wise owls as you all seem to be very clued up:T:beer: (I have been reading the forum with interest for the last year. I am hoping to buy my first home with my partner. I earn £23,500 per year before overtime (pay rise of approx £600 in april and again in October next yr and my…
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Main 'non status' lenders? Am I stuck with Accord?
I'm currently on a fixed with Accord and am looking to maximise options when the term finishes which is not for some fair time. I shall NOT be able to provide full status details, so... ... apart from remaining with them on SVR or one of their 'products', which other main players are in this end of the market and would…
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Base Tracker Mortgage Help !
I have a mortgage with HSBC I am not fixed into it as a few months back I came off their fixed rate, and I am on their normal Variable Rate. I recently enquired about their Base Tracker Mortgage, which is a pretty good rate of 3.99%. I would save myself just over £80 per month which is excellant considering I am renting…
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mortgage fixed for min 5 yrs?
hi im new here, my fixed rate runs out in july next year then it goes to svr rate which im happy with, but i would like to fix my mortgage for a min period of 5 yrs to max 10 yrs on the lowest rate possible. some one has told me that currently lenders are only fixing for 2 yrs? is this correct? am gonna wait till the…
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Should I tell my mortgage company that I am being made redundant?
I have just found out that I am being considered for redundancy, but in reality I know that I AM being made redundant. Is it a good idea to tell the Mortgage lender (Alliance & Leicester) and the bank who gave me the loan (Lloyds) that I will be made redundant in the new year? I am considering asking them if I can take a…
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Professional cple+ deposit+ online search - worth getting broker?
Apologies for txt speak title.. We are lucky to be a professional couple with good guaranteed income (medical doctors) aiming to get a first purchase, we have a 35% deposit to put on a house and i have done a good search including the FSA site considering all expenses, tie in periods, exit and early repayment charges etc.…
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Surveyor Marked Down Property
Can't believe it I had a really good deal lined up and now the surveyor has marked down 15% off the valuation of my property. Gutted as now instead of paying 4.99 % I am going to have to pay 5.8% SVR. Was speaking to my broker who said that nearly all the properties are being marked down for no reason and now there is very…
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Nationwide Remortgage - notice required?
Afternoon all, Apologies if this question has already been asked/answered but I have searched and can't find an instance of it (might not be using the right search words!) Anyway, I am coming to the end of my Fixed Rate deal with Nationwide (finishes at the end of December), and have already arranged a remortgage with…
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How late can I leave it to re-mortgage??
Our 2 year fixed with Nationwide comes to an end on 28th Feb. Dreading it as we've been enjoying a 4.25% rate so far! How soon should I be looking at / applying for a new mortgage? I was thinking of leaving it til a month or so before the 28th Feb in the hope that there will be better deals out there by then than there is…
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Nat West- going interest only?
Hi all, quick query on behalf of my parents... I was wondering if anyone has any experience of switching to an interest only mortgage with Nat West? My parents currently have around 20k left to pay on a house roughly valued at 120k, no history of late or missed payments. Just wanted to check if anyone has switched to…
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C&G Lloydstsb confirm match any BoE change
just rec'd this they had previously confirmed SVr would be no higher than BoE + 2% so this seemslike they are sticking to it...
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SV Interest Rates & Lenders
Is there any post that outlines what lender is charging for the SVR? We have been lobbying our current lender to reduce the SVR from over 7% and they have finally bowed and reduced to only 6%. Whilst we are not on any particular deal and moving to another lender is difficult being fleeced is "not fair" and wondered if…
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Sell Endowment to Pay off Loan?
I started this thread in DebtFreeWannaBe, but with hind-sight, it might have been better here, so apologies for repeating myself.....
