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Remove name from mortgage
Hi there My boyfriend split up with his girlfriend about a year ago and moved out of the house they both own. He has been renting a room from his friend and has not been paying the mortgage since about June last year - he paid it for about 5 months after the split to help with things, but seeing as though he hasn't been…
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First Direct, fixed rate, 2yrs... 2.99%?????
Have you guys seen this? http://www.firstdirect.com/mortgages/rates.shtml Need a 25% deposit, but it looks like a cushy deal.
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Halifax refuses to give mortgage holiday, PLS Help.
Hello everyone, I have an mortgage with halifax which is due to end in september at a fixed rate of 5.19% for 2 years. Last month (february) due to loss of job we took a mortgage holiday, however still not able to find job we asked another 2 months of holiday which they refused reason being "we are not eligible because…
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Does anyone know what Northern Rock are doing about their increased lending?
Have they responded yet to the instruction to lend more, and how will they go about it, if at all?
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100% mortgage cant afford to pay the mortgage!
Hello Im writing on behalf of a work colleague that isnt that clued up with his money so i said i will pass his information on here to see what the clever people on money saving forum to see what they say. Here goes..... He earnt about 27k in 2008-2009 but now our hours have been cut and we are likely to earn a few…
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4.15% - best 5 yr fix @75% ltv?
Post Office (ie BoI) are offering this with £595 booking fee plus £195 "lending fee" (ie redemption fee by another name). Seems like a good deal to me or am I missing something?
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FTB Looking for deals
Hey, my partner and I have been renting together for 4+ years and we are finally fed up of waiting for the market to settle - we want to settle in our own house and finally be able to make it OUR home. I've been trying to scout the current deals for FTB but if im honest it all means nothing to me, i plan on going to see a…
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Good Calculators
Hey people. Just wanting to know if you guys have some good loan/mortgage calculators. I remember finding one post where someone had made a mortgage calculator on excel with all options to change for your specific terms. It showed amount owed after certain months, payments on certain months etc etc. I tried finding the…
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Offset Base Tracker +1.89% or 10 Year Fixed at 4.59%
Hello, I have a low LTV (50%) and qualify for both of the above deals which I am mulling over. I know nobody knows the future but any thoughts or advice would be apprechiated. Fees with Chelsea for the 10 year deal are are £995. Fees with First Direct for the tracker are £799. I would pay any fees using savings. Many…
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mortgage declined - can anyone help???
hiya, any advice off anyone would be much appreciated on my problem. me and my boyf are FTB and we have a 10% deposit, we are looking for a mortgage for 125k. we applied to RBS for our mortgage as my boyf works for them and it has been declined, first they didnt give us a reason and told us to refer it as likely to get…
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Joint mortgage woes - Can i remove my half of the mortgage?
Call me a mortgage n00b, but I'm not entirely sure of what I can do. I'll give the background and then the questions...The figures are made up for ease of calculations... My brother and I have a joint mortgage of £200k on a property that is currently worth about £200k and we have fallen out. Basically I want out of the…
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Feeling cheated - Mortgage Withdrawn £15k Lost
I now face losing about £15k because First Direct Bank have withdrawn their mortgage offer at the 11th hour. I was making a private purchase of an old dental practice which has a D1 commercial classification. I obtained planning permission to convert the property to residential C3 (two Flats) this was a speculative…
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remortgage question
Hi, I have recently remortgaged form halifax to first direct. Do i need some kind of closure statment/letter from halifax saying that my mortgage is closed with them or something a similar?
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Fixed rate ending in July - advice needed pls
Hi everyone This is my first post....although i have been lurking for a few months....so please go easy on me. I am currently on a fixed rate with Abbey at 5.34% which comes to end in July. LTV approx 70% (hopefully!!!) 20 yrs left remaining. I was just wondering if i should start shopping around yet or leave it for a…
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Should I tell our morgage lenders?
Hi everyone, my first post, please bear with me but really would like your advice. Ex-boyfriend and I split up in June 2008. We bought our flat together in 2005 on a fixed rate mortgage. We have both moved out. We are renting the flat to a trusted family member. The rent doesn't totally cover the mortgate, boyfriend and I…
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Sell or lease ?
I currently have a small property with a mortgage of around 50% of the current value. We bought a larger place last year and decided to rent the small property out. Im now considering whether to sell the small property and use the monies to pay off a chunk of my current mortgage. However the property is in a good location…
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best buy to let mortgage??
Need a buy to let mortgage for 105000 pound going to rent my current property out and buy another, my current property is worth about 150000 pound. anyone got any good deals for me to try and get?
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Very confused about Mortgages/buying a property in general!
Hi, I am looking at buying a property with a friend in the next couple of months and our situation is that I am a first time buyer, and she currently has another mortgage and is renting the property out (she is in the army so is travelling a fair bit). Does this rule out FTB mortgages? (I assume so, but I am just…
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Will mortgage company take into account another property??
Hi all, we are now mortgage free (yay!) and in the next 6 months or so will be looking at moving. We are toying with the idea of buying another house to live in, and keeping our current house to rent out....obviously depending on finances at the time! We will need a certain amount on mortgage for a new house, but will the…
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Claiming money on Mortgage
Hi I had a mortgage with the Halifax in November 2004. Can I claim back the mortgage repayment benefit?
