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My Choice Homebuy Mortgage advice
I applied for my choice homebuy last year using the FA in one of my local estate agents, I was one of the first people that he had dealt with on the scheme and whilst was a really nice bloke I felt that it was a learning exercise for him and by the time we both got used to the scheme it ran out of money. I am more than…
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mortgage deal running out. have 2 mortgages need help
right il try explain the situation i bought my first house 2 years ago in august x council house, i got a standard interest only mortgage with the view to sort up the house and rent it out i got it rented and changed to capital and repayment 6 months later me and the girlfriend started looking for a house and the house…
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Have debt but parents putting down large deposit. Chance of getting mortgage?
Hello, This is my first post on this forum, although I have been reading it for several years. This is our situation. My wife and I are looking to get buy our first house, but as most FTB's we don't have the deposit. On top of that my wife is on a DMP (her debt is now finally under control). Myself, I am in a much better…
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What is the best 2yr fixed rate available - I'm confused!
I am buying a property for £415,000 and want to borrow £245,000 on an interest only basis. I want to take out a 2 year fixed rate which I can then change after the 2 year tie in period. I want the option of making overpayments of up to 10% per year. I want the deal that results in paying the least amount over the 2 year…
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HELP!-Mortgage Appeal need advice
Hi, I'm currently in the process of buying a house. I have been a previous homeowner (Mortgage with Birmingham Midshires) until sold property late summer. The house I am buying at the minute has been progressing since November. Basically, I had a mortgage with Bristol and West, but as they are underwritten by Bank of…
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Mortgages for 3 people
Hi, I was wondering if anybody could tell me if any lendors still consider 3 people working full time for a mortgage? I remember that HSBC use to do something like this for first time buyers but wondered if this was still available. We are not first time buyers. Thanks P.S We are all working full time in perm jobs.
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Remortgage, or new deal?
Hi all I was hoping for some straight forward advice in terms of renegotiating my mortgage deal. I currently have a variable mortgage where the deal ends in July - is it too early to start looking for a new deal, or should I start now? I'm fairly certain a fixed deal is very much the sensible choice. Also, what are the…
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Shared Ownership remortgage
Hi! I am currently on Nationwide SVR (repayment) after I came off a tracker in Aug 08. I am considering remortgaging but I am not sure which lenders will allow a shared ownership remortgage. I don't think Nationwide's offers are that great. My mortgage is £37k, and i have 60% LTV. As I would have to add the fee to the loan…
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Witness to mortgage deeds...
Me and OH are in the proceed of buying a house, we have just received the mortgage deed through to sign. Where the witness needs to sign, it states that 'each borrowers signature must be separately witnessed'. Silly question, but does this mean a different person for each borrower, or does it mean that the same person has…
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buy to let ltv?
hi just wondering what the current max ltv you can get for a buy to let? can you still get 85% ? (its for a remortgage, not a new one). or is it min 25% dep so 75% ltv? thanks
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First Direct change mortgage offers
Looks as though First Direct have removed their 3yr fix, lowered the 2yr fix and increased the LTV from 20 to 25%: http://www.firstdirect.com/mortgages/rates.shtml
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Advice Appreciated on Fixed Rate Repayment Mortgage Options
Deleted - lack of interest
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60+ mortgage help required
My mother has just told me that many years ago (17 plus) she bought a property but needed money to move in. She borrowed £10,000. She was told she didn't have to pay it back, as it would come off of the sale of the property, utilising a 60+ mortgage. She is absolutely distraught after receiving a letter from the company…
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Northern Rock mortgage advice needed..
Hi,I am new here so please be kind!!!! We have a Northern Rock together mortgage on a 5 year fixed rate, we took out the mortgage in June 2006,we then moved in march 2008 and carried the mortgage with us ,we also have an unsecured loan linked to the mortgage,we have never not paid our monthly payment but my husband has…
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Capital repayment on endowment mortgage
I have read through a few threads about capital repayments and overpayments but still need help. My Halifax mortgage (IO with endowment policy) ends in April 2013, and I regularly overpay by standing order to reduce the outstanding amount. I made a capital repayment yesterday and because I said I did want to continue…
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looking before June for a new good variable rate preferably
for our mortgage which is due for renewal in June. Our current rate with the Woolwich is 0.90% (0.10% below the base rate of 1%) and in June this goes up to 1.95%. thanks in advance for any tips.
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RocK & Roll
The northern Rock is nearly ready to roll. they wiill have £14,000,000,000 available for mortgages.
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Secured Loan not collected for 8 years?
Hi all I wonder if anyone can help with any advice? I took out a ten year secured loan in december 1988, due to financial difficulties within the recession and the fact that i got divorced i had to take over the loan myself, some years later I becam un employed for a time. The loan company took me to court and because of…
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Considering change of mortgage to One Account
Good morning all, Forgive me if this is already explained elsewhere within the Forum but I am somewhat of a novice with mortgages. Our situation is this:- 1. We took out a £220,000 mortgage in March 2004 at 5.49% Fixed until March 2011 when we are free to go elsewhere. Feasibly, we have 21 years left, it was a 25 year…
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Birmingham Midshires buy to let and a £50 charge for not taking out buildings cover.
In 2007 we bought a buy to let and financed it via Birmingham Midshires. Just before Christmas we received our annual mortgage statement, and I was surprised to find a £50 charge for not taking out their buildings insurance. I thought this was a bit strange as we had told them that we had a blanket buildings policy to…