Mortgages & endowments

Discussion List

• Yorkshire Bank - offset mortgage

  Hi Have been looking at mortgages for a while (whilst trying to buy a house) in particularly at offset mortgages as I don't work all the time so are more flexible for me to pay when I can and just pay interest when I can't. I have just come across what seems to be a really good deal with Yorkshire Bank with up to 90% ltv,…

• Question about my Barclays offset mortgage

  Hi all, Quick question - I have a Barclays offset mortgage - tracked at 0.99% above base rate. When I checked my mortgage balance online I noticed that the balance went up by about £200 from last months balance. I pay £804 a month by direct debit, which was set last September (based on the interest rate at that time) and…

• Obtaining a mortgage with some credit / identity issues

  First of all I have no credit issues, have never missed payments and not had much payments as such bar current mortgage (in my name) which has always been paid..and some more. The problem is my partner and I applied for another mortgage, joint obviously and the underwriters have said no. The reasons they cant divuldge but…

• Fixed rate

  Hi all, Just wondering what would be a good fixed rate for a first time buyer in the current climate. I am considering a 5.04% mortgage locked in for five years. Paul

• Help remortgage please?

  Hi Is there any solicitors or mortgage brokers or just someone in the know that might be able to help me? Firstly, I bought the property I live in now 16 months ago and have a 2 year fixed rate. So my first question is when do I start looking for a new mortgage? Secondly, I bought it with my now x-partner who has agreed…

• Coming off fixed rate

  I am about to come off my 5.35% fixed rate mortgage, i will then go onto a Tracker of 1.99 above the BoE baserate, which is gonna be consideabley better. What I was wondering is does anyone have any thoughts on how long the base rate will be low, and when it will be expected to rise again, I aint got a clue wth the…

• Remortgage with low LTV

  My girfriend and I bought a flat with 10% deposit and a 2yr fixed rate which ends in about 6 months. Comparing on other sales in the development we believe that we are not yet in negative equity but have a very low LTV. Abbey will put us on the SVR after the 2 years. Will I go on to the current SVR or the one set when I…

• 2nd mortgage. Is this a mad thought?

  I'll be honest about what I'm saying and tell all. We bought out house 2 yrs ago for 175,000.(95%) I know. Seemed a good idea at the time:rolleyes: I have seen other houses the same in our area take a huge drop in the last month. Scary for us but agree it's great for others like ftb. We have a huge prob with noise from…

• Remortgaging advice

  Hi everyone, Wondering if anyone could give me any advice on whether to stick with my 2 year fixed rate mortgage (at 6.8% on a £115000) of which runs out in May 2010. Or pay the £1400 exit fee and try and find a better rate? I am currently paying £654 a month This is my first mortgage so am very new to all of this! Any…

• Has Barclays/Woolwich passed on cut to tracker mortgages

  Hi I know Barclays have passed on todays rate cut to their SVR morgages But have they dropped the rate for tracker morgages..On their web page their Barclays Bank Base Rate is stilling showing at 1.5% .. On previous bank of England rate cuts they have changed their BBBR on the same day :confused:

• Re morgage

  I am mortgage free on the house I live in and also a house i rent. I need £60,000 to extend my house can you advise what you think I should do please ? 1 Get a mortgage on the house I rent (get somthing back from the tax man)at todays low rates and pay off in about 10 years ? 2 Cash in all my cash Isa's and stick about £…

• will banks be reducing fixed rates any time soon?

  With todays base cut today do you think that banks will be reducing the fixed rate mortgages that is currently out there. I'm quite lucky that I have a low LTV ratio (under 30%) so i was hoping that banks would be changing the 5yr fixed rates. the cheapest i have seen and have on hold is a 5yr fixed 4.59 with basic…

• Can I get any Mortgage Fees Back?

  Im not sure if I can claim can any one advise? I have had my mortgage for 6 years with northern rock, and in that time we had a two year deal which after this finished we had a repayment fixed rate for 5 years. in this time we have remortgaged money and on a seperate occasion went intrest only. Does this fall under the…

• Porting.....

  Hi i am porting £35,000 from my present house onto my new mortgage for my new house. It is 5.49%. This was a remortgage (as fixed term was up) 6 months ago. The rest £80,000 will be on a rate that exists now. The advisor told me because the bit I am porting is up in a year and a half (2yr fixed) I would need to have the…

• What Do I Do Know?

  OUR FIXED RATE MORTGAGE COMES TO AN END IN APRIL I HAVE STARTED TO SEARCH AROUND AND NEARLY EVERYONE IS ASKING FOR A DEPOSIT OF ANYTHING FROM 10% TO 30% WE DO NOT HAVE ANY DEPOSIT TO PUT UP FRONT WE HAVE BAD CREDIT AS WE HAVE FALLEN INTO ARREARS OVER CHRISTMAS WITH CREDIT CARDS AND CATALOGUES 2 MONTHS MAX AND ARE REALLY…

• fixed rates

  been offered a 5.29% fixed rate for 10 years on my £32000 mortgage is this a good deal , its with the abbey:confused:

• Thirty Three Percent Reduction

  There has been a thirty three percent reduction in the Bank Rate down from 1.5% to 1.0%. :T :T :T :T :T Mathematics ... Don't you love it.

• Help required on a Technicallity.

  In dispute with my mortgage lender and it appears they have sent to me a copy of my offer of loan document that is not true to the "Original". The signature page (12 of 12) is, but copies of pages 1 to 11 are not as the original document. Can anyone advise me of the implications? Many thanks

• Should I overpay or not?

  Hi In light of the new rate drop I contacted Barclays to ask what the reduction in my monthly payments would be. I have a lifetime +.29% above base rate tracker. Currently barclays base rate is 1.5 (this will drop to 1.0% for march) so my rate is 1.79%. They havent applied this rate yet and will be assessed in October so…

• remortgage

  I am currently nearing the end of a two year fixed rate with morgan stanley they are raising it from 5.49 to 8.44.is this possible to raise it to this amount