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natwest offset
I have a natwest offset mortgage which is currently 2 months in arrears due to unemployment and still waiting to hear about MI 12 help. I have kept them informed as to what is going on and after the first month of being in arrears they said they could switch it to interest only to make the payments cheaper. I said as i…
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Annual Endowment statement confusion
I'm a bit confused about my annual standard life endowment mortgage statement. It says that the current value is approx £630 lower than its value last year is that right? I thought the value should be higher after another years payments
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mortgage when moving jobs
if you are living in one area but want to buy a house and get a mortgage in a different area what is the situation with jobs? will mortgage lenders accept a letter confirming employment and the salary in the area? I know there is a problem if there is a probationary period, but assuming there isn't one (my partner would…
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Help Please !!!
Our house is worth circa £250,000 (we have recently had it valued by 3 local Estate Agents at £265,000 - £280,000) we owe just under £20,000 on the mortgage with a further charge of £10,000 by the bank re our business overdraft facility , leaving us with circa £220,000 equity in the house. Our business has all but…
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FTB Mortgage declined
Hi Me and my girlfriend recently applied for a mortgage with C&G first time buyers at interest rate of 6.5% we was asking to get £144k having 10% deposit My girlfriend earns £34k a year and i earn £21k I have checked my credit rating and got a score of 999 saying excellent my girlfriends score should also be fine as she…
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Natwest mortage???
Hi all, I applied for a morgtage for £90,000 with natwest on the phone a few days back, they offered my a ftb fixed for 5 years at 5.99% which i have taken and return the forms. |I am a natwest and rbs current acc holder so the chap who did the application on the phone checked my accounts to confirm my income an seems to…
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extra borrowing
i want to borrow 10k on my mortgage for some home improvements,i have 250k equity in my house.can any one tell who have the best deals around at the moment....
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When is the first mortgage payment taken?
Hi, we move into our house on the 10th of May, iv asked the bank to take the mortgage payment on the 21st of every month,when will the bank take our first payment? will it be the 21st of May or the 21st of June. I asked my mortgage advisor and solicitor but they both seemed pretty sketchy on the answers
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Unsure what to do? Please help!
Me and my boyfriend split up 8 months ago now and we owned/still own the house together, which we bought in Nov 2006. I moved out of the house straight away and as such have not been living there during these 8 months. I have been paying my half of the mortgage throughout this time, which I did initially agree to. However…
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norwich union or commerical union !!
Thanks for the reply so it will def me norwich union that are liable then she has contacted the fininicial ombusdman and he has sent a letter to norwich and commerical union he said and then they have eight weeks which are up next week and she hasnt heard anything do you thiink they are just hoping she goes away ,is there…
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Help do i claim against commerical union or norwich union arghhhh !!!!!!!!!!!!!!
Hi i dont know whether anyone can help me my mum is claiming she was missold her endownment poilcy in 1990 but it was with commerical then now it is with norwich union ,does anyone know who she claims against because i dont think commerical union is still going ,can anyone please shed some light on this if they have any…
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What can i do
My wife left me for somone else after 34 years together, now she wants to put the house up for sale. There is no mortgage, the property is worth about £180000. What is my best plan of action to buy out her share. I am 56 years old and earn £16000 a year I have £30000 in savings which is mine.
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vendor deposits
advice needed please!!! We have seen a property that we can afford mortgage wise but dont have enough deposit to pay vendor what they are asking, is it legal to ask vendor for deposit and if so how do we go about it? thanks
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3 year fixed come to an end! What to do next?
My current fixed rate has come to an end I will be saving approx £300 a month, should I keep putting this towards my mortgage(I still have 22 years left) or should I save it, for an alternetive investment. I know the saving will not last forever but my mortgage was manageable beforehand and i know i will be able to affod…
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Extra Borrowing advice
Hi All, Had a mortage review with Halifax today to request additional borrowing. All the figures stacked up, but for some reason it was reffered to the under writer. I was told that this is likely due to me having taken out a personel loan within the last 6 months so my credit search was shoiwng up that this was the 2nd…
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Best 5 year fixed rate mortgages
Hi all sorry for another what's the best deal thread, but i may need to find a mortgage deal fairly sharpish for a house i have offered on - (i did have a aip with one of the lower rates and just missed it) I'd like a 5 year fixed, 60% LTV is okay, with an overpayment facility and so far I've found the following post…
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How are Mortgage Advisers surviving?
Though the credit crunch transcends all areas, I am quite curious as to how Mortgage Advisers are coping particularly the self employed advisers. I know quite a few in my area who have either shut offices and now trade from home. And some have completely closed business and doing other stuff. Any Advisers on board or…
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home mover or FTB?
A bit of help please. About to apply for a mortgage for a new home. already had a property before but sold it and been renting the last few years. Would my fiance (never owned a property) and i still be able to apply for first time buyers mortgages? Thanks in advance :beer:
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Govt scheme helps one homeowner
This thread is to discuss the following news story: Govt scheme helps one homeowner
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Switching to interest only Barclays/Woolwich Tracker Mortgage
I have had a Barclays/Woolwich Tracker Mortgage for over four years. It looks like I may be made redundant soon and so I called Woolwich asking to switch to an Interest only payment in anticipation. However they said they no longer supplied these products since last year and would send me a financial difficulties pack…