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Change of name on joint mortgage
I have a joint mortgage with my bother but my brother is looking into selling his half to my boyfriend, therefore we would need to take my brothers name off and put my boyfriends name on. Ideally I don't want to remortgage as I have a good deal at the moment. Just looking for any advice on how easy or hard this may be. Any…
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Kensington SVR?
Hi my fixed rate ends in May 2009 and looking at my mortgage offer it states that my mortgage reverts to the kensington standard variable rate + 1% after the fixed rate ends. Anyone know what this rate currently is - I am paying 6.44% at the moment
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Should I remortgage? Just made big capital repayment
Hi I'd really appreciate peoples views on my current mortgage situation! We have a HSBC interest only mortgage which we took out in Dec 2006, originally split 235k fixed at 5.65% for 3 years and a separate one for 20k tracking at .7% over base, with flexibility to overpay. The original idea was that we could make the…
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Nationwide Fixed rate coming to an end in March 09
Hi, My girlfriend and I currently have a fixed rate with nationwide, It is fixed at 6.28% untill the end of March. Now I have phoned them and asked what our repayments will be they say it will be £340 where currently we are paying 447 + £53 extra a month as an overpayment. They said that we would have to go onto their…
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2nd Mortgage. Help and advice needed
My parents currently have a mortgage with about 10 years left. I'm 21 and currently live with them however I want to move out and we have an idea to help. My parents will get a second mortgage to get a second home (but effectively my home). I will live there and pay them, who will then pay the second mortgage. After a…
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Which lenders are prepared to isue loan offers sim months in advance?
Hi all, First of all, apologies for the poor spelling. The title should read issue and six. (Not sure if I can edit a thread title). My mortgage is up for re-nogotiation in June. I am concerned about my loan to value dropping each month. Can any advisors or other forum members advise as to which mortgage lenders issue loan…
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Take out mortgage on my own house to buy another property?
I'm fairly ignorant on the ins and outs of mortgages, so would really appreciate any advice about my current situation. I own my home without a mortgage, and it's worth around £150k. I want to get a mortgage of about £85k to buy a buy-to-let property as an investment. However, I'd be letting out the new property on a 3…
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How Much Could I get a mortgage for?
Hi Guys, This is my first post so be gentle! My boyfriend and I will be looking at moving in together this year which is exciting! but he already owns his own place which he will be keeping for the next 12 - 24 months (as a bit of security to see how we get on together). I wondered if anyone could give me a rough figure of…
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whole of market broker - adverse credit?
Hi Can anyone advise the best way to get in touch with a whole of market mortgage broker who would look for a new deal for someone who has adverse credit? I have tried searching on google, but just seem to get sponsered pages who look anything other than trustworthy. Just to give some background: DH and I were sequestrated…
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Chelsea Building Society/advice
I wonder if anyone out there can offer some advice re the following. I swapped my mortgage to the Chelsea Building Society in 2004. Without ever really being asked - I was put on the "annual review" mortgage. I have just had my recent statement with the interest rate fixed for this year at 5.790%. It's a saving of about…
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Better to overpay or get a shorter term to start with?
Hi there, when overpayments are made, does it come off the capital only? Or is it a combi of capital and interest like your monthly payment is? Is it better to just choose a shorter term to start with or overpay each month? Thanks!!
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bank fees
hi,newby,has anyone any idea how much banks, preferably abbey charge fees for changing from repayment to interest only
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Fixed rate coming to an end and advice needed!!
Hi some advice needed please, Me and my partner bought a property in 2007 with the A&L Plus mortgage, so basically we got 100% mortgage. The property price was £134,995 and we got a £129,000 mortgage and £6,000 unsecured loan. We got a fixed rate for 2 years at 5.84% which ends April this year, we then revert to a tracker…
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Would C&G let you out of a fixed rate deal for SVR without penalty......?
My brother has a a current rate of 5.99 fixed for another 3 years and with a 25k early release clause. His circumstances have changed recently where he is now struggling to pay his mortgage due to other financial commitments and has been in arrears on and off for the last six months How would a mortgage company (Lloyds/C&G…
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sharetobuy.com - Britannia Discounted Variable mortgage
Long time lurker, first time poster, so sorry if some of my questions are somewhat naive. :D Myself and my partner are looking to buy our first house and have been looking at various mortgage deals. We contacted sharetobuy.com and they offered a discounted variable rate deal with Britannia BS. The mortgage rate is 4.79%,…
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Remortgage - fresh valuation ?
If I go to my existing lender for a new fixed rate deal will they base my ltv on the price we paid (2 years ago) or on an estimate of current valuation ? If the latter, how do we ensure they don't undervalue ? Obviously prices have dropped, which prevents me looking elsewhere as the ltv will definitely be above 85%, but…
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Savings in OneAccount
My mortgage has been the Virgin Oneaccount for a good few years now. However, up to now, I've accepted a smaller interest rate on my savings by keeping them in a B&B ISA. I realise this isn't sensible use of capital but I liked the security blanket of having savings seperate to my mortgage. Anyway, B&B have just cut their…
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Mortgage Headache
Hi All My fixed rate intrest only mortgage has just finished with Nationwide and I have gone on to standard variable rate 3.5% as from 1st feb my mortgage is £150.000 so around £450.00 intrest only at moment I have opened an isa that pays 5% and have started to put in £550 per month making the total £1000 per month saved…
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A and L fixed rate coming to an end in March do not konw what to do
Hi All, After some advice please. My A and L fixed rate mortgage of 5.79 is coming to ane end in March after which it reverts back to the SVR. I have a mortgage now of 75,600 on a property worth 185k at the moment. I do not know whether to go for another fixed rate or stick with A and I SVR which is currently 5.19. Any…
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imdemnity clause on arrears charges
i am in process of claiming arrears charges back from old mortgage company for around £1100 (£50 a month arrears charge)just waiting for date in court .cant find the clause in my contract but how do i make sure for certain their isnt a clause as it could be worded different and i dont want to come unstuck and have to pay…
