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can anyone help? re Early Repayment Charges
nurse being riped off again! I took out a shared equity loan in 2005 with Abbey I fixed in 2008 for 5 years. I am now looking to move to house still shared equity this time with tower homes and abbey wont let me port to the house as they are no longer doing shared equity schemes. They are saying I still have to pay 2860.17…
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Brittania mortgage offer
Just rec'd a letter from my current mortgage providers Brittania, advising that as a valued cus they are giving me the opportunity to swap my current product to a new lower fixed rate product.... :j So after ringing them they have offered to transfer me on a new 5 year fixed rate at 5.19% instead of my current 3 yr fixed…
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Another FTB mortgage question
Hi guys and gals, I've been looking through the forums especially at the FTB threads, but as helpful as they've been I'm looking for some advice tailored to my own situation. Myself and my girlfriend are looking to buy our first place together. We're looking at around the £100k mark, with a 10% deposit. My girlfriend is…
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Halifax Retirement Homeplan Mortgage.
Took out one of these in 2004 and at the time I has just turned 50 yrs old, now seriously doubting the wisdom of this mortgage. I recall that at the time, although I had retired and met one of several criteria that applies to this mortgage I was well below the normal minimum age which was I believe 65. I have contacted the…
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Best 2/3Yr Fixed Rate Deal
Hi All, Looking to take out a 2/3Yr fixed rate deal with a 25% deposit and was looking for any suggestions as to best currently available product. Also, should I stretch myself and reduce the pay back term as much as possible, or keep a small stash aside given the current uncertainties. Products I'm considering are...…
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Need mortgage for property that was a business
First Direct will not give me a mortgage on a property I want because it is being sold as a pub. It's been empty for years, so I place to renovate it then sell in on down the line. Where is the best place to look for a mortgage for this?
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C&G Mortgage accepted, gone to survey, Declined!!
Hello guys, Me and my partener are first time buyer and have been accepted for a mortgage and it went to survey last week. Today i rang for an update and the financial advisor called C&G chasing and they have decided not to lend us the money due to my past. In 2005 i went through a relationship breakdown and my ex left me…
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Have not told mortgage company partner is going to live with me, does that matter?
I am in a bit of a confused situation which seems to be happening a lot during buying a house for the first time. When I applied for a mortgage my financial advisor advised that I should not tell my mortgage company that my partner was moving in as they could view him as a dependant (even though he has a good job and…
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Ownhome scheme - chance of getting accepted with debt
HI there, this is my first post and i'm keen to get some realistic advice. ( Sorry it's so long) My other half and I are first time buyers. Our rent has just gone up dramatically and whereas before it made sense to carry on renting before as the rent was so low, now we're thinking of buying. We don't have a deposit so I'm…
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Libor rates ease despite new bank worries
13:13 28Apr09 MONEY MARKETS-Libor rates ease despite new bank worries * WSJ report suggests Citigroup, BoA need capital * 3-mth dollar Libor falls to lowest since mid-2003 * Dollar spread tightens further LONDON, April 28 - The rate that banks charge each other to borrow three-month dollar funds fell to a near 6-year low…
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4 year 4.29% fixed rate with Principality
I'm searching the market for a new fixed rate remortgage package, my fixed term mortgage with A&L has just finished, and I think I have found what looks like a good deal; 4 year 4.29% fixed rate with The Principality Building Society And wondered if anyone had any experience of them, good or bad?? I want to go for a fixed…
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Shortfall Advice Required
My property has been on the market for about a year now without a sniff of interest. I owe approx £107k on it but it's current market value could be as low as £90k. I need to sell fast as I have moved in with my girlfriend so I'm paying nearly £800 a month on somewhere I don't even live. Recently, I received a leaflet…
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Coventry existing customer LTV
Coventry existing customer LTV It appears Coventry don’t re-value your house if you change products. Been with Coventry 2 + ½ years since moving house and mortgage product just finished. I was talking to them about different products and then mentioned what my LTV is. They said they take the price I paid for it 2 + ½ years…
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Mortgage Query and Age Limit
Hi My husband and I have a mortgage with the Halifax which also has my father in laws name on it - having his salary taken into account allowed us to buy our house. Anyway - we got into trouble and entered an IVA which has 18 months left to run (that's a different story). We want to pay it off by selling the house and…
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Yorkshire Bank
Help!! It cud b me...anything to do with figures an my brain crashes! Flexable mortgage.... where, wot u put in u can also get out, or so i was told by the advisor. I want 30k of the 40k i put in last year, only now they have to speak with head office today tues, and hopefully get back to me on Thursday she said…
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Mortgage and what insurance/s
Hi After a split with a girlfriend and being forced to put my fathers name on my mortgage just to keep the house, I'm wondering what insurances I/we should have? I'm 34 and he's 62! Do we both require life insurance? Can I get away with me just having life insurance and my father alters his will? Do I/we need life…
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Egg mortgages
Hello, When I got my mortgage from Egg eight years ago they retained some money as the surveyor felt that structurally it wasn't worth the price I had agreed with the vendor. The main issue was the state of the roof. A few months ago I decided to do extensive work on the kitchen and wanted to release the retention monies…
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Mortgage and Consent to Let Query
I currently have a repayment mortgage on an apartment that is probably slightly in arrears. I am separately saving and hope to buy within 12-18 months with my girlfriend. However, i dont want to sell my apartment and want to rent it out but obviously my LTV is 100%. so, HSBC would not give me a consent to let i am sure.…
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Northern rock, Deal's for existing customers
Hi I would just like to know if any northern rock customers have been offered a new deal or are they still not offering deals for existing customers? cheers
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Spliting of deeds question
Hi, i have just obtained planning permission for house in our garden wich is on a seperate pice of land from our house. We intend to build the house ourselves and move into it having sold our house. For this we need to split the title deeds. we have a £140,000 mortgage and our house value without the plot of land is about…
