Mortgages & endowments

Discussion List

• Help For Self Employed

  It appears that one needs to be on Benefits to qualify for Govt help with mortgage interest payments. What about the self-employed like me whose income has reduced to a trickle. Any ideas?

• Switch from fixed rate???? Help!!

  We have a mortgage of 147,000 with Northern Rock on a fixed rate of 6.9% until August 2010. It costs us around £950 a month and I'm wondering whether with all the interest rate cuts recently it would be a good idea to pay the early repayment charge & switch the mortgage to lower the monthly payments? I think the fee is…

• Fixed mortgage - 4yrs remaining - switch?

  I have a £145,000 mortgage and am am fixed for four years in my Abbey mortgage at 5.58% which costs £940.00 / month. With the early repayment charge being £ 5,700.00 and the interest rates being so low would it make sense to pay the penalty and switch to a lower interest repayment mortgage? Or, should I switch my wife for…

• Timelines on getting BTL Mortgage?

  I am progressing further along the thought of renting out our current house, so that we can "move on". Our current lender (Intelligent Finance) - with whom we have had a normal residential mortgage for 5 years - wont allow us to let it out on our mortgage. So we would need to change lenders. I am currently looking at…

• Fixed rate cuts

  Hi We have had an offer accepted on a house, we have factored in that the value may/will drop further and have got it at a price that were happy with. About 20% off peak prices and good value when you see what others in the area go for. We have managed to save 20% deposit. In an ideal world we would wait a little longer…

• Change from fixed mortgage to varaiable/capped???

  Hi this is just a general 'wonder'! I am currently in a fixed C & G mortgage until 31 Dec 2010 (5.97%), and I was wondering if I should remain on this or think about switching. With the interest rates dropping as they are, I feel I am missing out on the benefits of this with all other bills getting bigger, etc. I would…

• remortgage suggestions

  have 40k mortgage 2 sections ported when moved back in 07 with Coventry BS on fixed rates of 18,500 at 5.8% and 21 500 at 6.8% until 2011 and 2012. The mortgage is repayment only so down to around 38k. With low rates now any suggestions for a low fee or no fee remortgage?

• Swift First Mortgage

  Hello I was wondering if anyone can help me. Swift have never passed any interest rate cuts on to their mortgage customers. My mortgage is currently around £1500.00 a month for £175000 mortgage. We are on IS and recieveing DLA and Carers Allowance. The DSS are paying only £300.00 per month because they said that only…

• possibility of people paying Nothing for their mortgages if intrest cut again today

  cheltnham and gloucester tracker intrest rate-1% will be if the bank cuts the intrest rate be not paying for their mortgages as they have confirmed they will be giving this cut , apprently they will have to pay some pence as the computer will not like the 0.00 but they will get this refunded so good news for anyone who has…

• Please help First Time Buyer!!

  Hi I have found a house I am really interested in buyer with a partner, we can borrow up to 125,000 and the house we are looking to buy is 73,000, does anyone know of any mortgages that lend between 90-100% for first time buyers as I am really struggling and the whole thing is like a huge mine field! I would be grateful…

• buy to let mortgage

  Where will i get a deal on a buy to let mortgage house costs £125.000 got a 45000 deposit so need £80.000 mortgage? I have had poor credit in the past.

• First Direct not passing on January rate cut

  After a month of "Following the cut in BOE interest rate, we are currently reviewing our SVR", this has now disappeared from the FD website, and the SVR remains unchanged. It would appear they have decided not to pass on the rate cut at all, meaning they no longer have the lowest SVR of the major banks. Has anyone heard…

• Buy to Let Mortgage

  Hi Does anyone know of a buy to let mortgage product which requires less than 25% deposit? Mark

• Nationwide Fixed or Base Mortgage rate?

  My 2 year fixed rate mortgage deal of 5.37% expires on 31st March 2009. As of December, the remaining mortgage term is 8 years and 3 months. As of December I now owe £38,721.41. Among the deals Nationwide are offering are a base mortgage rate of 3.50%. I currently pay £485.47 a month so my payments will go down by £34.15…

• Northern Rock Change of Mortgage Names

  Hi, I currently have a mortgage with northern rock, 35 years. 5.99% fixed rate ends on 1st May. I currently pay interest only. The mortgage is in mine and my ex partners name. He moved out in October 2007 and I have been paying the mortgage solely myself. Some months I have had to sell belongs on ebay etc to get by but I…

• joint mortgage with a ccj

  what are the current chances of getting a joint mortgage with my partner? I have debts of £18k including a ccj and some defaults (all payments are arranged), my income is £22k. My partner earns £44k and has an impecable credit history. She currently has a mortgage with (very approximately!!) £25k equity and savings of…

• Two Questions about Mortgages please!

  Firstly, Does anyone have a link that lets me see which Mortgage lenders are reducing their rates and when (mainly for ' Abbey) ? Secondly, There used to be an account called 'the one account' which I believe incorporated all of your bank/mortgage accounts and reduced your outstanding mortgage balance a lot quicker, does…

• remortgage and possible btl

  Hi guys, my partner is looking at selling her house, and buying something that we will then probably let.. she will only have this property, so not strictly btl but that might be simpler, and more tax efficent ? a couple of questions.. she'll soon be on the Barclays SVR, so i'm guessing it would be easier to just sell…

• Beware of Warwick Finance

  From Mortgage Strategy Magazine

• Mortgages post divorce

  I have recently divorced and I'm looking for mortgage companies that will accept all my income rather than just my salary. I have maitenance, child benefit and working tax credit. Please can anyone suggest companies that will accept maitenance and possibly these other payments as income?