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Barclays Bank Base Rate not reduced in March?
The following link is to the Barclays Bank Base Rate: http://www.personal.barclays.co.uk/BRC1/jsp/brccontrol?site=pfs&task=popup1group&value=15396 And this is the Bank of England Base Rate: http://www.bankofengland.co.uk/statistics/rates/baserate.pdf Until last week, every Bank of England Base Rate change was followed (the…
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Advice Needed Re Applying For Mortgage With Adverse Credit
Hi all I am desperate for some help. My partner and I are looking to buy a house. We have a 25% /15% deposit to put down. My partner has no adverse credit but can not fund the mortgage on his own. I have had some bad credit which is sorted/settled now although the defaults remain. Because of a recent move and mix up with…
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Ex trying to force me to sell. Joint mortgage
My ex is trying to force me to sell my house even though he doesn't live there anymore or pay towards any bills inc the mortgage. We took a large mortgage and moved into the house about 18 months ago and put down a £25k deposit between us. We were both paying towards the mortgage until we decided the relationship wasn't…
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Need advise on our mortgage
we've got ourselves into a hole with our mortgage and dont quite know how to get ourselves out unless the property market picks up and A) our house earns equity or/and B) someone can afford to buy it situation: mortgage with Preferred mortgage in 2006 for £87,500 for 25yrs interest only payments on a variable rate we…
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mortgage advisor, Preston/Blackburn?
Sorry for the boring question, but can anyone recommend an (all of market) mortgage advisor in Preston or Blackburn? PM me if you prefer. Actually, if anyone has found a particularly good solicitor in this area, please let me know that too..! :o I suppose things have changed since I last did a mortgage app (3 years ago),…
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10 year fixed rate mortgages
I see some 10 year fixed rate mortgages are now starting to become available at some very tempting rates. Ideally I would like to fix for this length of time. I'm with the Nationwide on a tracker for the next 30 months but have the drop lock facility available. unfortunately Nationwide is not offering 10 year fixes…
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Advice Needed - 75/25 Scheme
Hello My Girlfriend and I have decided to buy a really nice new build apartment built by Bryant Homes. We have decided to go for the 75/25 scheme where we pay back 25% within 10 years. The apartment we have chosen is £119.950, however there is absolutely no negotiation on price due to the 75/25 scheme. Also the sales guy…
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Make them pass on interest rate cuts
Mortgage lenders are finding ways not to pass on the full interest rate cuts in line with the Bank of England base rate...yet the purpose of the Bank of England Base rate cut is to put more money in consumers pockets. Our mortgage is with Mortgage Express and we were passed on all the rate cuts in full until the rate cut…
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Can I opt out of my Halifax mortgage?
Hi I signed up to a Halifax mortgage in July 2008 on a first time buyer scheme with a high interest rate- around 6.29%. However, I split up with my girlfriend so I've been left paying the £700 repayments on my own and with the other bills I'm left with hardly any disposable income. I recently had the full mortgage switched…
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First time buyer
I am a first time buyer but can not afford a bigger deposit than 10%, at this deposit i have found the rate is not very good, can anyone give me advise in house to get a good rate with a little deposit or recommend a good morgage company to go with.
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spainish mortgage
i am currently paying a mortgage of 900euro's a month on my spainish apartment, 5 years ago it was only 550euro's ! i have a tracker 1% above base on english house (£550 a month). any idea's on what i can do to reduce spainish mortgage. i have 13 years left. should i remorgage against spain and increase years to reduce…
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The TMB, Challenor Investments and a Mis-sold Mortgage
Bought a place through "challenor" in 2006 - they are now being investigated by the fraud squad thankfully - and I end up (via dodgy solicitors and mortgage brokers) with an 85% mortgage from the TMB. They used the "valuation" at the time as a purchase price and used the so called 15% discount I received as a "gifted…
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what are people's thoughts on latest capped
tracker deals coming out versus fixes. are the loan to values on the capped trackers very high? thanks in advance.
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Chancel Insurance
Hi Does anyone know if it is a requirement of a transfer of equity for the deeds of my house to be put in my sole name that I take out Chancel Insusrance. The solicitor's sent me the following: The above building is located within the historical boundary of a tithe district or parish which continues to have a potential…
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Is my Estate Agents Mortgage Advisor correct? Please help!!!
Dear All, first post here, so please be gentle.... We have had our flat on sale for 6 months now and its a terrific flat, but we just battling to get viewings (only 7 in the last 6 months!!). We have lost about £20 000 on it since putting it on the market as we know an identical flat in our block went for this amount…
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remortgage help needed
have been looking to remortgage for the last couple of months as my fixed rate of 5.69 from natwest finishes in may 2009 .i have tried all the compare mortgage sites read as much as i can about it.after all this time im no better of in knowing what way to go so was wondering if you was me what would you do house worth…
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Probate, Me & The House
Hi, I should have sold the house as soon as mum died, knowing it was going to go belly up, but I didn't. I tried getting the house in my name and transferring mortgage but Abbey wouldn't allow it after application, I did try a broker after, two but couldn't get past the requirement stages. I have an unpaid ccj under two…
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SPML/Capstone mortgages
I think that everyone who has a mortgage with SPML administered by Capstone should update themselves on the latest developments. http://www.enablefinance.com/news-archive/spml-securitisation-of-700m-mortgage-assets/ I don't know if this is about all SPML mortgages but, certainly, if your mortgage has been securitised or…
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Would be be stupid not to do this now?
My husband and i are considering moving while prices have fallen and mortgage rates are low. My question is, would we look back in 5 years and regret NOT moving if we don't do it? Here's our situation... We're in Yorkshire. The house we want to buy is a 4 bed detached and we're currently in a 3 bed semi-detached. We bought…
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Nationwide - have they got it wrong
Hi Everyone I have a nationwide tracker mortgage taken out in Dec 06 which tracks at 0.34 above the base rate, It had a floor of 2.75%, Nationwide passed on the recent Bank of England reductions and even reduced the floor limit to 2%. They then went on the issue this statememt: Tracker Mortgages reserved between 1 December…
