-
Finding a Broker
Hi Dont know anyone who has used a broker so how do I go about finding a reputable whole of market fee free mortgage broker in the Sevenoaks / Swanley region of Kent? Any advice / tips on things to ask? Thanks
-
Is anyone an expert in mortgage vs. savings maths?
Hello.. I've got 5.25% mortgage and £25k of savings earning about 1%. Is it worth using the entire savings to pay off some of the mortgage? They would charge me £750 but if the interest rates stay low it might be worth it? Thank you for your maths help..
-
Mortgage in Spain
we have a mortagage in Spain with a Spannish Bank we are self employed & would like to swap to a better rate ,LLoyds Tsb & Halifax both require three years accounts but we have only been open two years so does anybody know if there is anyway we can change mortgage lenders either in Spain or to a Uk lender without three…
-
5 year fixed ending soon
1st april my 5.75% 5year fixed ends with nationwide. i am self employed and secured the last mortgage because of a 40% deposit (i am self certification) so income proof wasnt asked for. property is worth 150,000 bought it for 116,000. and am after 60k mortgage. nationwide have said they will give me a call 6weeks before it…
-
Loan onto a Mortgage?
My partner and I are in the process of beginning to look for our first place together, we are in line to receive around £20,000 in inheritance money and are hoping to use this as a deposit when it comes to buying our first home. We are both of the mind that we are looking for something small and relatively cheap, and as…
-
Scarborough Mortgages to change on merger
Scarborough Building Society has sent papers today detailing the effect of the merger on its members. I am a Scarborough saver, my mortgage is with another (small) building society, but Scarborough mortgage holding members appear to be getting a rough deal within the terms of the merger. For example, Skipton does not offer…
-
100% mortgage fixed rate about to expire
Hi, Not sure if this has already been asked, but our fixed rate mortgage is due to expire in September, and we are hoping to get another fixed rate. However, out original mortgage was 100%, and since they have abolished 100% mortgages, how will I be affected?? Thanks for your help :confused:
-
BOE - recent rate cut
Doe anyone have a link to who has passed on the cut (if any). I'm on the SVR with N Rock and its currently 5.33% from 01/02/09 on a together mortgage.
-
First Timer Buyer, Self Employed
My son is looking to buy house with his partner, he has been in a full time job for 4 years but is now about to go self employed. His partner is in full time employement. They have joint deposit of approx £12k and are looking to borrow approx £100k, what are their chances of getting a mortgage as he will soon have no proof…
-
Help Me Please!!
Help Me Someone Please Before My Head Explodes Ok Here Goes I Was Looking To Reclaim My Ppi On My Mortgage As I Was Paying £90 A Month!!! So I Wrote To Both Northern Rock And Pinnacle And Both Said They Had No Info On My Ppi So I Said Fine I Am Going To Write To The Finanicla Ombudsman And Cancelled The Direct Debit…
-
Getting through to Woolwich/Barclays on telephone
It is awful! Does anyone else have any problems getting through to an agent? I hate the stupid automated questions at the start (4 mins worth before going into a queue) and then after a further 10 mins I gave up... ...what I am trying to find out is how much I can overpay by per year. Is there a limit, such as 10%? Some…
-
Limit on number of mortgages???
Hi all! Hope someone can advise... I currently have a joint morgage with my partner for our home which we live in. I also have a joint mortgage on a property we rent out. We do not make any profit on this, we simply cover the mortgage. My questions are a) is there a limit to the number of mortgages a person can have and b)…
-
Mortgage PPI - do we need it?
As part of sorting the finances out :eek: I have been going through all our paperwork... It seems we have a payment for mortgage PPI coming out every month (from PaymentShield). This was all arranged when we got our mortgage through an IFA 2 years ago. Of course, our money problems weren't apparant then. My question is, do…
-
Question about second mortgages??
Hi, I'm a little new to mortgages and so not sure how they work, these are my circumstances: I own a property now, with 70k on the mortgage and i'm looking to get a buy-to-let mortgage to cover that and buy a new property of around £130,000 (with about a £12,000 deposit bringing it down to about £118,000) It would be a…
-
Does this exist (a combined mortgage search) ?
Just wondering if there's a website/tool that lets a user view ALL mortgages which are available to both: * Mortgage broker * Buyer (One where buyer must apply directly. i.e mortgage not available through mortgage broker) My assumption was that typically the mortgage broker will tell you if you are better off going direct…
-
Right to buy covenants
Hello I have been offered the chance to buy the council house I'm currently renting but I am a little concerned about some of the covenants. I'm a total beginner to this sort of thing and a first time buyer. If any property guru's on here could give me some advice i'd be very gratefull. Here are the one's i'm most…
-
porting with nationwide 2 mortgages
im currently on a fixed rate with the nationwide at 4.69 with 2 years left of the fixed and in total i have about 12 years left on this. Now we have seen a property we like and what we would like to do is borrow another amount over 25 years to start with as well as keeping my other mortgage for 12 years, is this possible?…
-
1st remortgage,in need of advice please!
Hi! this is my 1st post:T we am coming to the end of my first time buyer 2yr base +0.99% mortgage with natwest on 28/02/09.which then switches to the svr currently 4.44% before the latest 0.50% cut. But i have an early repayment charge(£2760) if i switch to a different product before the 28th,but if i switch after the 1st…
-
Bank hounding me to take out mortgage!
I am with Nationwide and about to end a fixed rate deal in May 2009. I know I should start researching now to see what best deal I can get. However my own bank (HBOS) phone me on a regular basis (the most recent was Friday) for me to take out a new Mortagage with them. I was under the impression no-one was lending right…
-
How much cheaper will my mortgage be?
Hi, We are currently fixed at 4.83% with nationwide which ends in a few months. Our plan is to drop onto the SVR, which I believe is 2% above the bank of england rate, so 3.5%. How can I work out how much cheaper our payments will be when this happens? Any help would be appreciated. Thanks
