-
When should I start seriously looking to remortgage (NR SVR kicks in 1st May)
The subject sums this up. NR SVR kicks in 1st May. This is the first time I have re-mortgaged so I don't know when I should be doing whatever I should be doing. Any advice appreciated.
-
How much could we borrow?
With the following circumstances how much do you think the average bank would lend us for a mortgage? 2 adults aged 41, 2 kids aged 7&9 income gross £65k (£3900 per month) permanent employment no adverse credit £20k cash deposit car loan £384 per month 15 months to pay no other debts We might be able to up the deposit…
-
broker fees
Hi I currently have no mortgage and my house value is about £250000 i am in employement and have a good credit rating now i want to borrow £25000 on a mortgage over 12 years .a broker i have been recomended has come up with a deal from the pricipality b.s. at 5.39% fixed over 5years and no fees from them .the broker gets…
-
Ltd co. mortgage, mortgage express going to appoint property management co. Help pls?
Hi , Can anyone help me please. I have a limited company which has a btl mortgage with mortgage express. To cut a long story short the mortgage is in arrears to the sum of £1400. ME had my old address and despite 3 faxes to them, with delivery reportss this went unchanged. However having spoken to someone last week and…
-
Messy situation!
am desperately looking for some sound advice. I split from my ex partner 6 months ago and moved out of our house that we own jointly by a 50/50 mortgage. We bought the house in October 2006........I stopped paying towards the mortgage when i moved out at the beggining of August 08. I am now renting a room in a shared house…
-
LIBOR Mortgage
Hi not sure if I'm posting in the right area, so sorry if I'm in the wrong place.:o I was just wondering if anyone can explain the LIBOR rate in laymen terms to me. My mortgage is currently fixed but at the end of the term the SVR is 2.49% above LIBOR rate and although I've looked at sites nowhere seems to explain it…
-
Default on credit rating... help please!!!
Hi guys!! I'm new here so forgive me if I sound dumb or naive, but I need help quickly!!! My partner and I recently went to buy our first place together. A new build, 75/25 deal... I know not everyone agrees that they are the best, but it's best for us, and literally all we can go for.... but thats not the issue. Due to…
-
RBS doing 90%+ LTV?
Just noticed this on RBS Mortgages page: "A Higher Lending Charge will apply to all loans above 90%" So does that mean they ARE doing mortgages for over 90% LTV again? Does anyone know what a Higher Lending Charge generally means? Is it an increased interest rate or higher product fee? Link:…
-
Scottish Widows drop BBR -0.5%
Hi Guys, Have been an avid reader for ages of the site, but not felt that I had anything constructive to add, but new year, new approach...gonna post and let others decide! Just been on the SW website, and they announced yesterday that they are passing on the recent rate cut IN FULL, which is very lucky for my wife and I…
-
Age limit
My fathers currently looking to get a re-mortgage at the age of 66. He's looking to borrow around 50k Hes currently with nationwide but has found out they only allow him to borrow up-to the age of 75 which gives him 9 years to pay it back. I know a few months back nationwide had no age limit but have now changed to 75. Are…
-
Egg SVR - any news
Anyone know whether Egg are planning any reduction to their SVR? We had the 1.5% from November but nothing since :cry: . Thanks Nick
-
Which Mortgage Should I Go For?
Hi Guys, Could someone please help me with the question above. I am looking to put an offer in for a house which is on the market for £170,000. I have the 10% deposit but my head is in a spin about the best motgage to choose and why :confused: . Any help on this matter would be gratefully received. Many thanks and a Happy…
-
Help please on max borrowing!
Due to a separation I need to try and borrow around £140 to £150k on my own. My property is probably valued at £220k now. I have a basic salary of £20,500 and have earned an average of £27k inc commission for the past three years. Any ideas which lenders will help and offer best rates??? I have a meeting with Natwest on…
-
Best way to study CeMap1
I am just about to start the CeMap1 course and would like some advice/tips from anyone. Is it honestly realistic to expect to have this done in 1 month? It seems an awful lot of information to absorb and actually understand, and the wording of the questions really can be quite confusing - well, they make you look twice, if…
-
halifax ?
does any1 know if halifax are passing on the full cut. website just says they will be updating shortly
-
fixed rate conundrum...
We moved house in December 2007, due to recently having to go self employed after the business I was a director of going titsup I was considered somewhat subprime. We moved due to needing to get away from where we lived (high crime, crap schools) and bought a smaller house in a nicer area however the mortgage market at the…
-
not sure what to do
My 3 year fixed deal ends in march 2009 ,i have been worried sick for the last 2 years because it would have meant i would be paying around £200 per month more which i would have struggled . I am now delighted that in another 2 months time with all the interest cuts i will be paying £300 per month less than i am paying now…
-
C&G (Lloyds TSB) mortgage affected by merger?
We have a tracker with C&G. Very pleased with it, 0.29% above base rate with no collar. If Lloyds TSB merge with HBOS can they change our terms and conditions? Could we be affected at all? We have been very pleased with C&G so far, excellent customer service. Thanks
-
Bristol and west decrease SVR
09/01/2009 - SVR decrease Following the Bank of England Base Rate reduction, we are pleased to announce that with effect from Tuesday 13th January 2009, Bristol & West Mortgages Standard Varible Rate will decrease from 4.49% to 3.99%. For existing customers this change is effective from Sunday 1st February 2009.
-
fixed rate ending 30/04/09 ?
my fixed rate deal with A&L is ending 30/04/09 my property was valued at 143000 in july 2007 - so it may have been reduced by a minimum of 20% by now if not more. my mortgage in july 2007 was for 84000 aT 5.25% FIXED for 2 yrs. Can any tell me, suggest to me what i should be going for now in terms of another fixed rate…
