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Am I In BIG trouble?
hi bought my 3 bed flat for 165k nearly 2 yrs ago with a 15% dep. it was a 2 yr fix which runs out in july. now i want to remortgage at some point, however i have been made redundant. ill be leaving my job in june. now to get another mortgage with a new lender, i take it i will have to show/prove my wages? or can i still…
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A buy to let mortgage
Hi I need a help. I am looking for a buy to let mortgage and It must be the more flexible possible (offset...). Here some details of my situation: House location: London Value house: 400K Money own: 275K Mortgage need: 125K Pox rent: 1500 pm My salary: 95K Thanks for any idea. Vera
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Endowment and Divorce
My friend recently divorced and as part of her settlement the court awarded her the house and endowment. The endowment was a joint life first death endowment. At the moment it is assigned to a building society to pay off the mortgage at the end of the term. What is she meant to do about the endowment policy? Should she…
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Mortgage @ 6.9% - advice
Hello, Me and my partner bought our first place last august and when we actually got the mortgage when the rates were in a bit of a yo yo session as the current state of the world hadn't exactly happened but obviously was looming. Anyway when we originally went for a quote the rate was lower but exactly when we found the…
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Mortgage Mess !!
Hi, I have been reading through these forums over the last couple of hours in the hope that I can see the answer to the questions that I have relating to my financial situation. I haven't quite been able to locate the answer hence the post for help. My Situation: I am a home owner and my property is now worth in the region…
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Abbey pulled 3.95% 5yr Fix?
Can't see the Abbey 3.95% 5yr fixed on their website anymore - best is 4.49% A&L has posted a 3.95% product according to their website - anyone spotted any others?
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A & L: 3.99% 5 Year fixed (no fee) - now pulled?
!!!!!!, was going to do this today: http://www.alliance-leicester.co.uk/mortgages/mortgage-rates.aspx
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Financing a barge...any tips..
i called up barclays marine and they are saying 20% deposit and then about 7% (includes 2.5% for one thing and then 4.5% for something else - dont think i quite understood at the time. wonder if anyone knows of any other companies i could try or experiences on this front. thanks in advance.
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Fixed rate mortgage costs drop
This thread is to discuss the following news story: Fixed rate mortgage costs drop
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help with tricky situation with mortgage
i bought a property in joint name with my brother approx 4 years ago. he has not contributed towards deposit/mortgage ( only reason his name was added was to obtain a mortgage using joint income). I need to know if there is any way his name can be removed from the mortgage/house deed. i currently live in the property and…
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paying off mortgage or credit cards
We have a buy to let property that was purchased with money from our father from the sale of his house, this was a gift from him, we are now to sell the buy to let property and are not sure whether to pay off our numerous credit cards or pay of our mortgage on our main residence, any thoughts?
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Any useful advice on sorting out my mortgage mess please
Ok long story and every thing is a mess. I have an offset with Woolwich that is set at .75% above Barclays base rate. I had a mortgage of around £130,000 and £40,000 saving in a savings pot. Everything going great, over time mortgage reduces down to around £117,000. Then I buy a house as a BTL. I use all my savings and…
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Fixed rate Mortages may rise??
I have just be reading this aticle on lovemoney.com. Anyone agree or disagree? Should I start looking for fixed rate mortgage now? The government’s failure to sell all the available gilts at Wednesday’s auction is worrying. We look at what it means for all of us – especially mortgage borrowers. This week, the government…
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Can i get a better mortgage deal?
Last year myself and the OH bought a flat for the first time. In the end we went through Halifax at a rate of 6.01%. Gulp i know! Now the House was then valued at £84000 since then we have done a few bits and is now valued at £90000. Our mortage repayment is about £470 a month. We used all our savings to put as a deposit…
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Mortgage Advice - Cardiff
Hi, Can anyone recommend a good fees-free, whole of market broker who can offer face-to-face advice in Cardiff? Thanks!
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FTB - 15% deposit. What are the options?
Good morning all - first time poster and i need of some advice, Me and my partner are looking to buy a house and take hopefully drop on a bargain. We currently have: - 15% deposit - Green Credit History - No chain I have researched the mortgage market and struggling for competitive options other than: - Share to Buy -…
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One Account
What is everyone opinion on the One Account? My mortgage discount is ending at the end of April. I need to move to a move competetive mortgage. Options Seem to be the Co-op Bank 3yr Tracker, Currently 2.99%, Fee free or One account, currently 3.75%, £335 fees. The one account is 0.75% higher than the Co-op mortgage, but…
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best no tie-in interest only tracker?
I'm desperate to buy a house we have seen, but don't have a buyer for our house. Most banks have stopped doing Bridging loans, so I've decided to go for second mortgage for a temporary period (probably a just a year). What is the best no tie-in interest only tracker? Obviously the less set-up fees, best interest rate and…
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Can anyone show me a better buy to let mortgage?
Hi forum I'm looking at buying a flat on a buy to let mortgage and they best deals on either tracker or fixed are with cheltenham and gloucester. 4.79% tracker 75% ltv 2.5% fee. 5.29% Fixed rate 75% ltv 2.5% fee. Both are for 3 years and both have early repayment charges. The flat is on the market for £65000 I have the 25%…
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Title deeds
Sorry if this isn't the right place to ask this, but it does concern a remortgage. I've been sent a remortgage pack to fill in and one of the questions asks where the house's title deeds are located. My current lender, the Halifax, say they don't have them and they were probably sent to me when we originally bought the…
