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Remortgage advice
Hi, just after a bit of advice, we are currently with the HSBC with our mortgage, £64000 outstanding and the value of our home is aprox £140000. We have £11,500 outstanding on credit cards and was looking to remortgage and add the £11,500 onto our mortgage. We have been advised by hsbc that we can add the extra but it will…
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AIP and couple of questions
Hi, I have done an application with the Post Office for a mortgage, and have been approved in Principle. The estate agent has asked which lender we are with (is this normal by the way?) and wants to see a copy of the AIP, but after looking at the certificate they only mention the mortgage amount and do not say anything…
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Can I have 2 Mortgages
Hi, I currently have a mortgage however, due to splitting up with my partner i will at some point want to buy again whilst keeping up repayments on my initial mortgage. can i do this? please advise.
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a useful house price tool
http://news.bbc.co.uk/1/shared/spl/hi/in_depth/uk_house_prices/regions/html/region10.stm
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remortgage valuations
I am currently in the process of "ditching my fix" to go to a lower rate. I have done all the maths and it works. Only problem is the usual 75% LTV. How bad are things looking? Are valuers really tight at the moment? If you seem a "good risk" ie high earner, no debts, are the lenders willing to be a bit reasonable ie if…
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Cannot get the A&L 5 Years Fix Rate at 3.99% due to pub!
I recently applied for the A&L 5 Years Fix Rate at 3.99% with no fees, I received the agreement in principle but following the survey, A&L is not willing to mortgage my flat anymore because there is a pub at the ground floor (which apparently is deemed as unsafe). I opened a complain with them as A&L was used to be my…
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100% Mortgage needing to be renewed
Hi all, I took out a 100% Mortgage back in March last year just before they ended. Its due to end in December (i like to have plently of thinking time!) and im a little concerned i wont be able to renew my mortgage. Is someone able to explain what will happen come December. Im currently of a rate of 6.9% and im on…
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Norther Rock won't renew - HELP
We were first time buyers in August 2007. We couldn't afford a deposit and Northern Rock gave us their 100% deal - I think the way it works is they say it's a 95% mortgage, and an unsecured loan for the rest. We also took out a 10k loan to pay off a few debts. Our two year fixed rate is up in August, and we've been written…
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Handing Keys Bck to Mortgage Company
Hi Not sure this is in the right place but here goes anyway. I am currently employed by the Police Force not as Police Officer but Police staff. I currently own my home but cannot afford to stay there due to by debts and travelling costs as i work 50 miles away. I would like to sell it but currently in a negative equaty…
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Transfer an offer??
My wife and I were offered a Halifax shared equity mortgage last year for a new property but we were a bit hesitant due to the market. The offer is valid until June 09. Can this be transferred over to another property(again shared equity) of less value and taking advantage of the better interest rates?
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Remortgage + additional funds for home improvements
I am currently looking to switch my fixed deal to an improved fixed deal. Currently with C&G at 5.78% c.£71,600 balance ERC of £2150 as of 31st May. Fixed period ends May 2012. Currently paying c.£535/mth. Current best option found is with Woolwich, 3 year fixed at 3.89% Fees of £995. I'd be adding my ERC and arrangement…
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Best 5 year fixed with 60/40 LTV?
Hi all I am a first time buyer, looking to purchase a property in North London for approx £230,000. My deposit is £95,000 and thus my LTV will just be under 60%. I would like to arrange a mortgage with a 5 year fixed rate, obviously as low as possible (!), and having trawled the internet the best option that seems…
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house repo...
how can i speed up the process. sounds wrong i know but have had enough and just want them to take it
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advice on remortgage/Interest Only
Hi. need advice from all you financial advisors out there to help me help out a family member. Situation is this. He is 53ish. house bought in november 2006 for 225k. Outstanding mortgage is £150k - fixed at 5.94 till november 2012. Found out he has a loan of about 30k (approx £410 per month), and 6 credit cards with debts…
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Some advice please...
Myself and the mrs (ex now) have decided enough is enough. We're still on very good terms but have a mortgage together. Also we have a child. We are both on the mortgage and I have said that they can have majority of the stuff including the house. I'll be renting for a while. Ideally I'd like to mortgage my own house but…
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Mortgage Advice
Hi guys, just looking for a little advice. My current mortgage deal with the Halifax (fixed at 5.79%) is thankfully due to end as of 30th June 2009. I am tempted to fix from 1 July 2009 with the Post Office 5 year fixed at a good rate of 4.15%. However, I currently have my house on the market for sale. The Post Office…
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Exchange dates - who should push?
Hi, We are purchasing a new build and the developers have given an exchange date (after which they 'may' withdraw incentives they have given us along with the purchase). Is this something my solicitors should be chasing? Is this a date that their solicitors and mine will keep each other up to date on, or is this something…
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Mortgage Rate Question
Hi all, I have been offered a mortgage through Countrywide Mortgage services who have recommended i take out a 5 year fix with Natwest at 7.25% witha 10% deposit. My question is that on the Natwest website there mortgages offer a rate of 6.49%. Am i missing something? Any help or advice is welcome? Steve
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fixed coming to an end advice please
Hiya current Fixed rate with natwest is coming to an end. Details are We have 18 years left owe £69000 propert valued at £125000 currently pay £460.00 a month 5.19% is the rate We will want to move in future but are currently on a dmp so have to stay with natwest. I like the assurance of being on a fixed. But if i have say…
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how much deposit and who to approach?
Have recently self-built and have a mortgage of £150k at 4.4% with ecology over 21 years. It is in a seaside area and the house next door made £26k in rental income last year doing weekly holiday lets. We want to do the same-we will use the income to cover mortgage etc costs and anything left will go to overpay the…
