-
3 Late Payments- will it affect my score?
I have had a mortgage with the Woolwich for 4 years no probs. Just put a deposit down on a new build and have tried to secure the 5.29 4 year fix 85% at Principality. I have checked our credit scores. My other halfs is 999. Mine is 900 - I had a default registered against me by A & L, which they have removed after…
-
Mortgage rate lowered since offer in Principle
We have an offer in principle and had the valuation done on the property, however, in the meantime Natwest's interest rates have dropped from 3.39% to 3.14%, we spoke to the Natwest mortgage advisor before the formal offer was made asking her to lower the rate to the current rate and were told this wouldn't be a problem,…
-
Mortgage arrangement fees
Hi I recently applied for a mortgage and initially decided to go for a 2-year fixed rate. When I phoned the bank to say that I wanted to go ahead and get the offer they did not mention that they will be taking the arrangement fee (around £900) there and then (although they may have said that a while back when I submitted…
-
to change or not to change
OK, im looking for some peoples views (not advice, as i know you cant) on what you would do in my shoes so to speak. My hubby and i have just come off a fixed rate of 5.08 fixed rate with nationwide in January this year. we are now sitting on their svr of 2.5%. I panicked yesterday when i heard this was changing to 3.99%…
-
Remortgage advice please
Hi I have a mortgage with the Chelsea with another 8 years to run. At present I am tied into a fixed rate of 6.49% for another 35 months with 5% redemption penalty. The outstanding amount is £72274.27 with £3604.74 redemption penalty & £175 exit fees. I also would like to add around £4000 for repairs and cc bill. Looking…
-
15yr endowment with profits ,claim????
;) hi guys me mum and dad made me take out when i was 16yr old ,with profits endowment £20 month,at first had good returns then seem to just keep going down,untill the point my last bonus in total was £99 should been lot more,any way finished when i was 31 which was 4yrs ago any poss calim ????? great site keep it up…
-
Mortgage+Debt+Seperation=STRESS
Hi everyone, newbie here so sorry to ask advice straight away, but you all seem like a nice bunch! I'm in the middle of a less than amicable seperation from my partner of 10 years. We have had a joint mortgage for 4 years (now owing 86000) and a joint loan (owing 7400). The house is valued at approx 100000, and I paid…
-
remortgaging & valuation
If i was to remortgage to the same lender, would they still come out and re-value my house? Is the value of my house what it would be put up for sale for or is it based on the value of houses already sold?
-
consent-to-let mortgage increase
Hi I recently requested a consent to let form from my mortgage company (Skipton Building Soc.) as I am moving abroad with my work and intend to rent out my house. I was surprised to see that, as well as charging a £100 administration fee, SBS will also increase my mortgage interest rate by 0.5%. This increase, plus the…
-
up poop creek with no paddle
hello guys, *** long post *** my first post so please be gentle. I think I am royally in the do do big time. Aug 2006, we paid £90k for our house, back in the days where banks were laughing it up and lending people loads of money. We lumped our solicitors fees in with our mortage (yes I know, looking back, big mistake) but…
-
Mortgage advice on second property
Hi i am looking for some advice, i currently own a flat and i have got permission to rent from my current lender on a fixed mortgage. I am looking at buying a second property with a value of 215000 and am looking for a mortgage on this property. I was initially looking at a mortgage of 155000. I have the ability to…
-
Ex-Portman mortgage fixed rate ending soon
Hi, I took out a mortgage with Portman building society in September 2004, with a fixed rate of 5.49% until 1st July 2009, when it reverts to Portman's standard variable rate. Portman were taken over by Nationwide, so does anyone know if I will get the Nationwide Base Mortgage Rate (currently 2.5%) when my fixed rate ends,…
-
royal sun alliance
hi anyone know the address for royal sun alliance,as i want to claim for misselling ofmy endowment policy.i did write to the address on my policy but neverreceived a reply.any info appreciated
-
£35K deposit on £200k house, best mortgage?
Hi can someone help me out here? I'm looking so slap down £35k deposit on a £165K mortgage (200K house). Anyone help me out with some good deals out there? Thanks
-
Shared ownership remortgage pitfalls
I am presently going through the remortgage process and despite finding a lender (Halifax) who is prepared to lend upto 75% of the value of the share without the Mortgagee Protection Clause, and receiving the mortgage offer, the council who own my share won't agree to any of the lenders terms In effect it looks like I will…
-
Ok need some advice about mortgage
i saw a thread about this but its not quite the same so I hope you don't mind if I write my query too. My boyfriend and I are splitting up. We have a mortgage together and bought this flat a couple of years ago. We are tied into a fixed year deal that doesn't end until 2013. The mortgage itself was for 25 years all in. He…
-
10 year fixed. Wise move?
From what I've read in the last year or two, house prices and interest rates tend to go in 10 year cycles. Is it a wise move to take a 10 year fixed now before the interest rates go through the roof. The current low interest rate can't be sustained forever. Can it? Anyone happen know to know what the approx variable rate…
-
Abbey refused a Mgage I already have!!
Hi All, Its been a while since I've been here asking for advice, its a been a life changing site over the years for me and I had hoped to be reaping the benefits, but I'm stunned by what Abbey have just done to me :( My ex-wife has requested officially that her name is removed from our mortgage and that she will sign the…
-
Best 80%ltv mortgage
can anyone help? i need a 80% mortgage i am in south wales, what is the best rate people can find??
-
Will C&G let me rent out my flat?
Hi, I have a mortgage with C&G and I want to move in with my boyfriend and rent out my flat. I phoned them a while back and said if for example I wanted to work abroard could I rent my flat out. They said I would need to fill in a form and apply, and it would cost £250. The girl said most applications were approved if you…
