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HELP- can we challenge mortgage retainer?
Hello- I am new to this site and would really appreciate some advice, My fiance and I are first time buyers and had an offer accepted on a house November last year. It's a 2bed house with garden in SW London that was on market for £275k and we had offer of £245k accepted, so were very pleased (or so we thought)! There was…
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Get a fixed deal now
I am looking to remortgage at the beginning of May to a 5 year fixed deal. I am going to see the HSBC mortgage advisor next week with a view to getting their 3.99% deal. I am hoping I'll be ok with the 60% LTV. I have calculated the current LTV using the Halifax and Nationwide calculators (using the value my current…
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Fixed Mortgage Deal
hi. need advice. im on a 2 year fixed mortgage deal paying 4.99% interest. with the current interest rate of 0.5% it is quite a big difference considering, can i make a claim on this basis?
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confused
Hi can anybody help?we are looking to get a mortgage and buy our first home.we have been dealing with an independant mortgage advisor who has told us we will be able to get a 95% LTV mortgage.however we then went to get some more advice today from an estate agents own mortgage advisor,who told us that no where is doing 95%…
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will this cause problems?
we are just about to ask to borrow an extra £70,000 on our mortgage to fund house imporovements but hubby's company have announced 1200 redundancies. hubby has been told unofficiallly that it will not affect him but has nothing official or in writing. will this affect the decision whether to lend the extra to us? we only…
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Does anyone know of a calculator tool for mortgage repayment?
Hi, Could anyone please let me know if there is anywhere on this wonderful site or elsewhere a calculator tool to help me out with mortgage repayment?? I am on a fixed rate mortgage so know what the rate will be for at least 5 years - I might be able to repay early but of course there is the early repayment penalty (which…
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no replies
This post going to deleted. So no replies please.
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Graduate Mortgages
Hello, This is the first time I've done this, and although I've read everything I'm supposed to read, I'm not sure I've posted this in the right place - sorry if I got it wrong! :o I was just reading Martin's Mortgage Guide and although I realise it is in the process of being updated, I wondered if anyone out there knows…
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abbey svr
:T abbey have passed on 0.45% of the cut we should be greatful for small mercys!!
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re-mortgage?
without doing much research myself i thought i'd ask a question in the hope of a general yes/no answer. again the boe interest rate has been lowered, meaning tracked mortgage holders are laughing compared with fixed mortgages like mine. i'm currently paying £650 a month at around 5% fixed for another 3 years. obvioulsy i…
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Nationwide SVR/BMR
Can anyone tell me the current Nationwide SVR / BMR?
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Halifax cut SVR to 3.5%
Has been announced on their website, am really surprised how quick they have put it on there this time, I for one am happy as I came off a fixed of 4.98% end of December and my rate has gone down every month since. :beer:
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Natwest - Stay on variable to take Fixed Rate Now as Low?
My friends Fixed rate with Natwest finished in Oct 2008, she want to go to another fix rate as perfers the safety of fixed outgoings. In Oct /Natwest offered here a fixed rate of 6.24%, but BOE rates were falling so I told her to hold fire and stay on the standard rate for a while. It was a good move as her standard…
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Brittania - are they cutting SVR rates?
Just wondering if anyone out there has called Brittania about the latest reductions? Are they passing these on, either through the SVR or Fixed? We have just come to the end of fixed and want to know what to do! I personally am not happy with the SVR of 4.39% and think it could be miles lower than this right now!!! Many…
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Want to buy a barge... how does it work for
a mortgage for this..? thanks in advance for any advice!!!
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House in Italy, mortgage where?
Dear all, i am a little bit at the deep end here. my morther very recently died in italy leaving me and my sister both living in UK as sole people to inherit from her. I just returned form the bank who in true italian fashion did not ask me for any id and progressed to give me full details information on my mother account.…
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HeLP - Don't Know What To Do????
hi everyone - i'm new at this so bare with me. i am separated from my partner and he has a mortgage of £62k on a house worth £110k before recession. we are getting back together and i want to buy a new house and start again but in the current climate i don't know whether we could sell his house or not. the problem is we…
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Switching to another lenders SVR
Hi, My 4.99% 5 year fix with A&L is up at the end of April. I am thinking about staying on an SVR mortgage for now and overpaying as much as possible however I know there are more competitive rates out there than the 4.99 A&L SVR. Looking at other providers websites, they only seem to offer fixed and tracker deals for a…
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Urgent help please!
Just went on to the Halifax svr of 4% there on Monday on my mortgage of an interest only.House is valued at 109,000 and the mortgage is for 100,000.Just seen there today that Northern direct are offering a 25 year tracker of 1.99% above the base rate(works out at 2.99% at the moment),ltv of max 94% and a fee of £799.00.…
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negative equity
Hi folks, i hope this has not been asked before. With the recent interest rate cut, i was hoping to see the benefits in my mortgage payments. But unfortunately, due to the house prices dropping, i am now in negative equity. I was due to re mortgage in April, but have been told that i will have to stay on my current deal…
