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Transferring a mortgage to a partner
Hi, Is it possible to transfer a mortgage/deeds to another person without a sale? The propety is in negative equity which I presume has some bearing on whether it is even possible. Thanks in advance.
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SVR - Question
I'm on a fixed deal at the moment which runs out in around 16 months. I will then move to my lenders SVR (If I don't remortgage or get a new deal). My question is is this rate the rate which is in my mortgage documents or is it the one that is advertised on their website. Am I tied into this SVR? Thanks
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Offset Mortgage.......help! :)
Hi Guys, :beer: Just found this site, such a wealth of information, by FAR the best site out there! This is my first post (of hopefully many) and was looking for some advice. We bought our first home two years ago and our mortgage is coming to the end of a 2 year fixed deal at 5.59%. After speaking to our current lender…
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Fixed rate mortgage deals
Help!!! We are coming the end end of our fixed rate deal and are unsure what to do for the best. :confused: We have time on our side as our current deal doesn't end until the end of March. I have spoken to the advisor who arranged our original mortgage and we have been left with a choice of two deals: 1. Stay with our…
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Mortgage app/LTV/Credit stain query
I already have a mortgage with Northern Rock which expires in September 2009. I will obviously want to arrange a new fixed rate mortgage at some point after that. I will hopefully be wavering around the 90% LTV mark. My question is. If I directly approach a mortgage lender and they go through the process of arranging the…
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All Weather Tracker or Fixed Rate?
Hi all, My current fixed rate mortagage with the Halifax ends in March and I am looking at my options. The Halifax is offering a 5 year fixed rate at 4.84%, alternatively Cheltenham and Gloucester is offering an 'All Weather' Tracker at 2.39% above the base rate. I quite like the idea of being able to lock back into a…
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Mortgages affected by area?
Hello, I currently have enough for a 30% deposit on a two bedroom flat in my area (Oxfordshire) which, even after prices have fallen for several months, is valued at £190,000. I'm in the unfortunate position of trying to buy in one of the most expensive parts of the UK and was just wandering whether mortgage lenders take…
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2 mortgages on 1 house allowed?
Hi, I'm pretty sure this wouldn't be allowed but I currently have a fixed offset at 5.99% til 2012 with an ERC of £7k :eek: . Now I can get a staff mortgage at work at BOE base rate with no fees, so, I was thinking would it be possible to get a second mortgage at staff rate of say £5k less than my current mortgage, pay it…
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Reposession. How many years until the chase stops
Hi Can anybody tell me how many years after a repossession a company can come after you for the money which they have lost. Is there a general time span after which they don`t bother. In particular the Halifax Buliding Society.
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10% Morgage Overpayment Payment........ 10% of What.
I am looking at a 10 year fixed mortgage with C & G and am allowed to over pay by 10%. My question is what does this mean exactly. Is this 10% from say a balance on a given date, like 1st Jan of each year, Is it 10% of you original loan or what. Many thanks
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Best 10 Year fixed rate.
Can anybody tell me who is doing the best 10 year fixed at the moment. My property is worth £170,000 and I require a mortgage of £75,000. I have an excellent credit history and have been with Northern Rock for 6 years. My fixed rate deal runs out in May 1st. Any advice greatly apprechiated.
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self employed mortgage
Quick question i have one years accounts self employed, would it be better for me to wait till april for two years full accounts. Before applying for a mortgage. I am a first time buyer with about 25% deposit.
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Fixed rate ending in June
My 5yr fixed rate
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Buying house off mother, advice needed
Hi, I was wondering if anyone can give me some advice..... I currently rent my mothers house with my girlfriend for £600 per month. Mother has approached us and asked if we want to buy it from her, house is valued at £150,000 and will sell to us for £110,000. Now girlfriend cannot obtain a mortgage as she already had an…
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Equity Release
:eek: Whats the story on equity release. Is it good or bad?
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Fixed rate or tracker?
Am a first time buyer and have had offer accepted with partner on house for £140000. We have a deposit of 40k. So not a massive mortgage but should we fix- how long? or should we go for a tracker and then swop to fixed when the rates increase/ What advice can you offer? Have an IFA but shes talking about 30/35 year terms…
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phoenix ex rsa endowments
I have 3 policies that were with rsa I believe they are now managed by pearl. Now that Phoenix resolution have milked them I'm on the verge of calling it a day and cashing them in view of opinions given to others here. Could anyone give me their opinion on my situation before I decide? start date 25/9/87 gsa £4455 b dec…
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adding value to what i could borrow??
Hi all, would like some advice if possible. I am considering getting myself on the property ladder for the first time. However my salary isnt enough to borrow the amount i need to get a mortgage large enough to actually buy a house (I dont fancy living in a shoe box). My partner isnt able to currently commit to a mortgage,…
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Treasury Committee Meeting 4th feb
As part of its inquiry into the Banking Crisis the Treasury Committee will take evidence from four media representatives on the role of the press in the banking crisis on Wednesday 4 February. The details of the session are as follows: Time and date: Wednesday 4 February at 2.30pm, Wilson Room, Portcullis House, House of…
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Birmingham Midshires - releasing Policy documents
Received a letter from them out of the blue advising they are looking to release my policy documents to me and they will waive the normal fee. The letter says this will give me "increased control over my financial affairs", but I can't help feel like I'm being stitched up in some way..! Can anyone explain what they're…
