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Ccj
hi folks, just a quickie. to cut a long story short my wife managed to get herself a CCJ recently after we have attemtped to resolve the matter previously (not entirely our fault). i may challange the CCJ but that is another matter. basically in october 2009 my current overpriced deal with abbey runs out and i want to get…
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Calculation needed - help
Ignore me, I didn't think it through...Mods can you please delete. :confused:
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porting question
we have a property with a mortgage of 120k which was the old 100% graduate offer from HSBC which has a rate of 1.5%. We know we can port the mortgage and obviously at 1.5% we don't want to give it up. Now , HSBC no longer do a 100% mortgage , 90% is their maximum now. So, if we want to buy a new property would it have to…
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Post Office Mortgage being pulled
Hi guys and gals Regulars here I am sure are aware of the decent 4.15% and the 4.35% fee assisted rates over 5 years. Having just plumped for the latter myself I was told that the application has to be back by the 27th as the products are being pulled on this date. I was not told what will be replacing them but by current…
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Chelsea BS - Icelandic debtors may get repaid
Just read that anyone exposed to the collapse of the Icelandic banks may recoup up to 90% of their money. http://news.bbc.co.uk/2/hi/uk_news/politics/8007464.stm Chelsea BS lost something like £30 - £50 million with them, hence part of the reason why they have been so tardy in cutting rates unlike their counterparts as…
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When will 90% Remortgage rates reduce??!!!
Hi, We are currently on YBS SVR of 4.99% which is great, but we feel quite uneasy at not being on a fixed - does anyone know when it is likely for the remortgage 90% deals to come down?? Any information would be much appreciated- thank you!
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Stick with INGDirect BoE + 0.9% ?
Like a number of folk here, I was on a fixed rate deal with ING Direct that recently reverted to their Flexible mortgage that has a promise not to go above the BoE base rate + 0.9% (so it's effectively a tracker I guess). Just wondering what others in this position are planning to do or even what you would do if you were.…
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How Portable Is My Mortgage?
Am planning to sell and move to a larger house. Presently have a lifetime tracker mortgage on very favourable terms. If I need to borrow more money should I expect to: 1. be able to continue with present mortgage terms for existing amount and for the additional amount, or 2. continue with present terms for existing amount…
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how to make best use of equity in mortgage when no dependants
Hello all. Had trouble deciding how to word the heading,but the situation is this. I am 51 yrs old and have 14 years left on my mortgage ,which is currently a repayment. I should be able to retire in 9 years with a good pension and a lump sum payment,and I have no kids or partner so no-one I want to leave the house(or…
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Can I change mortgage deals?
I am a first time buyer and have used a mortgage broker, who has applied for a mortgage with the Royal Bank of Scotland. The mortgage is a 5 year fixed at 7.29% (90% LTV) and £999 application fee. I have just visited the Royal Bank of Scotland's website and found they are offering 5 year fixed at 6.49% and £299 application…
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mortgage poor credit history
Hi im just wondering if anyone can give me a little advice i am currently living in a council house both myself and my partner have good jobs but our credit history is not so great. What are the chances of us being able to get a mortgage we dont want to be stuck here forever and would love to move to a better area.Any…
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Good mortgage advisor in Liverpool?
I don't know much about mortgages, so was wondering if someone can recommend a good mortgage advisor in Liverpool who could tell me the best deals etc. I have a sizeable deposit so hope that will go in my favour. Thanks
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What Mortgage for 2nd Home?
Hi, Looking to buy a property closer to work to avoid the commute - stay there during the week and back to current property for the weekend. What mortgage could I get on the second property? It isn't a buy to let mortgage as I will be living there, but I'm not a first time buyer either. I called First Direct, and they said…
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FTB Scared
Hi, me and my partner are about to find out if we can get a mortgage, we have a 10% deposit for an house... But im scared of them turning me down, a couple of years ago i missed a few payments on my credit card. Its all paid off now, im scared it will come back to haunt me... Will this be the case??
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FTB with small deposit
Please can anyone advise me on my options. Myself and my partner are first time buyers, currently living with my parents. We are both civil servants and earn just over £17k per year (each). I have a loan of approx £5k - £195 per mth (2 yrs left to go). We have approx £9K in savings. Do we have any hope of getting a…
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kensington redeemed our mortgage by a "clerical error"
hi all 1st time poster here on friday the 13th of feb i called kensington mortgages to pay our monthly payment only to be told to our supprise that our account had been paid off in full and closed down on the 1st of feb, i then asked by who we were told there was no name on the payment only that they had reddemed the…
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Just a bit of advice...
Hi, I hope you don't mind me popping on this forum for a bit of advice for my boyfriend. He is looking at buying his first house and just wanted to know what best for him to do....situation is this..... Earns 30,000 per year (plus overtime on top of this) and has approx 40K for a deposit. He has a CC with a balance of 200…
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Should I remortgage??
My current mortgage is fixed rate with Halifax at 7.9%, interest only. The deal ends this September (I will be on maternity leave then and totally skint as living off SMP..but will still be able to make my mortgage payments at 7.9%). On the halifax website the SVR is stating 3.50%. If I dont remortgage does this mean that…
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Quick question
If someone had an endowment policy connected to a mortgage in 1992 and was repossessed, is there any chance they make a claim on miss-selling now? Sorry if its a dumb question...
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Would I get a mortgage with my partner???
Im looking for some advice regarding a new mortgage. Currently I have a mortgage of £61k in my sole name. I also have debts of £51k which are with DCA. :eek: I live with my partner and he is self employed and Im currently on maternity leave but still classed as employed. Im hoping to put my partner on the mortgage so we…
