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Nationwide portering Tracker Mortgages
Post deleted - Change of Plans
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Quick query, please help
Can i claim back charges incurred on my mortgage account, or does the court ruling only apply to current accounts? I was made unemployed and started to miss my mortgage payments and the bank have charged me for each missed payment. The bank now wants to repossess my home. Can i claim back the mortgage arrears charges?
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Halifax Proof of Income - mortgage decision
I have just applied for a mortgage and was approved online, however they then asked my broker for proof of income (accounts) as I am self employed. I contacted my accountant and he prepared profit and loss summary as an appendix with letter stating my deductible expenses, net profit for tax purposes and also listing real…
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Capstone querie?
A message was left on the wifes mobile this morning from Capstone mortgages. Asking for us to call them back on Monday. Very strange I thought, as they really have no need to call as we are up to date with the mortgage. Knowing what I know now about this company I thought I would ask if anyone else had ,had a call over the…
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Endowment mortgage advice sought
I have a mortgage of £26000 and a secured loan of £7600 bundled into it, all fixed at 5.09% until 2016 and finishing in June 2022. The mortgage is an endowment one. The total cost is £222 a month - £177 for the loan and the interest on the mortgage and £45 for the endowment. The endowment was with Royal Insurance, which…
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Informing Lender of property let
I have a Woolwich 5yr fixed rate (4.89%) Openplan flexible mortgage, which was for 130k at the time of purchase (Jan 06). The balance on the mortgage now is £118k. I am moving abroad in the next few months, for work, and rather than sell the property in the current market, I would like to let the property and I have a few…
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Advice on lenders that hold rates for six months
Hi there I am due to come off a fixed rate at the end of Nov 2009 and wanted to arrange a fixed rate deal soon to take advantage of good rates. Can anyone tell me which lenders let you arrange the mortgage but not draw down the funds for six months? I've heard that some do, but natwest and RBS are saying that they only…
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Neg equity but need to sell, what options?
Hi Hoping someone might have some advice on this, we are in a situation at the min where we need to move from where we are living but our house is currently in neg equity, mortgage is £117000 compared to house value of around £100000, as well as the fact that houses in the area simply are not selling. Our plan is to move…
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Will my small o/d affect my mtg app?
Firstly, apologies for the lack of paragraphs - the settings on my laptop don't allow them for some reason! I’ll make a series of posts for ease of reading. My WOM broker has today submitted our mortgage application and is very sure that an offer will be forthcoming based on the fact that we are borrowing a sensible amount…
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8 months into a 5 year fix
Currently at 6.18% with 4 yrs 3 months to go with nationwide - signed up to this when oil at 147 and economy looked like it was going down pan (which is has albeit with deflation as opposed to high inflation). Just wondered if anyone has had any success in being able to come out of such a fixed product without paying the…
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Mortgage help/advice needed?????
This is a complicated one to explain but hopefully i do it justice as we need help!! Basically my partner and i are looking to move to a larger property but we will be staying with our current mortgage lenders Natiowide. We currently have a mortgage of £139,500.00, it is likely we will only sell our house for £130,000.00…
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Is this bad?
Hi, I have had a look at various mortage advice posts on this place recently and must say i am a bit confused. I have been on money supermarket and have gotten this quote: LenderDirect Line Product NameFix 2yrType of MortgageFixed Initial Rate6.89% APR2.90% Max LTV90% Actual Cost Over 5 Years£30,211.70 Monthly…
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Good Deposit, Good Job, no debt - NO MORTAGE! HELP!
Hi All. Im a 29 year old chap who has had the good fortune of living rent free over the past few years (looking after the home of a disabled family friend). However, this situation wont last forever, and it is likely that in the next 12 to 18 months I will move out and buy my own place as a 1st time buyer. Now, Ive already…
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Self cert situation
Hi all. Background: Mrs P and I have a mortgage with The Chelsea. It was taken out a few years ago when I was a self employed landscaper so we went the self cert route. I ruined my back landscaping, so in the last year I have gone into PAYE full time and back out again as I was made redundant last August, all of which we…
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swapping endownment for repayment mortgage.
I received a red alert letter from Norwich Union today stating that when my endownment policies mature in two years time they will not be enough to pay off my mortgage, which I knew anyway. Luckily I don't have a large mortgage and the worst case scenario is that i will be about £7,000 short. Obviously I know that I need…
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Large Deposit but no proof of income, can i still get a Mortgage
Hi I am a 25yr old renting just now and my parents are going to give a large deposit to put down on a property. My deposit will be £170K and and I am hoping i can get a mortgage for another £75K as the properties i am looking at are around the £230k-£250k region in London. From my research i can that Banks dont like to…
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Shall I fix?
y coventry mortgage recently ended and 2 parts of my mortgage moved onto a great tracker rate and other onto the SVR - overall i'm on an equivalent rate of 2.4% which I'm delighted with. The cheapest mid term fix now seems to be 4.25% and I know these are going up so I would be most grateful if any of you clever people out…
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should i cash in endowment
Hi. I have four and a half years left on part payment part endowment mortgage,£18.500 left to pay. Am paying almost twice amount required on monthly repayment. The endowment is on red alert ,poss £3.000 to £4000 def on maturity. Will soon have £5.000 from inheritance which will go to paying part of repayment. Should i cut…
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Transfer of equity? - Advice please.
Here's my situation. I've moved in with my partner, and we are due to be married in 4 months time, however my partner and her ex boyfriend bought the house nearly two years ago, only my partner put down all of the deposit and has made all mortgage payments her self. My partner and her ex split around 19 months ago, now the…
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post deleted
Deleted post as change of plans...advice not needed thanks
