-
Advice regarding mortgage application
We have currently a mortgage with the Woolwich and have sold our property. We have a AiP with them but have found a better deal with principality - no fees as opposed to £1500 with the Woolwich. We have sent everything in and its gone to the underwriters to be looked at, which takes around 3 weeks. However, I'm panincing…
-
Remortgage or not?
Hi folks We're currently on a SVR mortgage, 19 years left to go and are wondering if it's better to remortgage at the moment, or stick with what we have and wait and see what happens. Since we need to do a bit of work on the central heating system in the house (we estimate around £4k worth) we also wondered if it was…
-
Northern Rock Card Payments
Does anybody know what the latest day in the month I can make a card payment for my mortage over the phone and for it to be recognised that month? Just thinking whether I can gain a month, and in effect reduce my arrears
-
lock mortgage rates in or not ?
What is the current thinking on fixed rates mortgages? Should i try to lock in at a low rate for 5 years Or should i risk just floating on the market I am on a repayment mortgage Does martin have a opinion on this Many Thanks Andrew
-
credit
Im applying for a mortgage but have not registered myself on electoral poll since moving about 10 years ago How will this effect my credit rating and why. Have i been automatically taken of the electoral poll im from england and buying the flat in england will i be always refused untill i register
-
Mortgage Timescales
Hi, I can't remember the timesclaes from when i bought before...therefore..... I am selling my house and moving down the ladder. I have a deposit of 240,000 and require a mortgage of 185,000. I have had an agreement in principle, and will have the full application sent in tomorrow with necessary id checks etc.. This is…
-
HomeBuy Direct Scheme - is it for me
Hi, I wondered if I could ask your advice. I am a first time buyer and am looking to buy a home and finally leave home. I have found a nice apartment for £110,000, but, as a teacher I cannot afford a mortgage outright. I have about £5,000 saved up as a deposit so far. Miller Homes (the property developer) have offered me…
-
Help needed with Re-mortgaging
Hi I am due to re-mortgage and have just started the search on moneysupermarket although the comparision site isn't the best in terms of initial transparency. I currently have a 4.74% mortgage (22 years left) and am looking at approximately re-mortgaging for at least 1% less than this. I am re-mortgaging for 22 years -…
-
mortgage with bad credit
I am looking to get a morg to buy my council house i have 2 defaults from 2004 the price of my house is 25200 with my discount the market value is 70000 do you think that any one will take me on
-
Fixed rate V SVR
Hi, My fixed rate of 6.75% has just over another year to run. Does anybody know if a bank will allow me to pay the penalty to come out of the fixed rate early and go on to the standard variable rate so that I can save money on my mortgage repayments. Thanks
-
Standard life endowment
Hi, I have a Standard Life endowment policy (50% with profits). It was taken out in 1995 with an aim to reach £35K in 25 years (liitle chance of that I think). The property I took it out to pay for has long gone and I don't really need the policy but I kept it going as part of overall savings plan. I recovered a some cash…
-
Anyone else been stiffed by Standard Life when changing mortgage payments
Ive recently changed my mortgage from payment to interest only and I feel that Standard Life are taking the Mick. My payment comes out on the 28th. I called them on the 3rd to change my repayments to interest only. Received the paper work, signed the box and sent it back got a letter back stating I had to send ALL sheets…
-
hsbc processing times
How long are they taking to process mortgage applications at the moment? How long to get s valuation booked in?
-
Endowment maturing - help please
I have a Royal Sun Alliance policy (now Phoenix) for £19K maturing in June 2009 for just over £13K In 1992 I wrote to them after press claims that endowments would not perform, they replied, rejecting the press and unequivocally reassured me that the sum payable at the end of the term would be sufficient to repay my…
-
95% mortgage?
Is anyone, or are anyone likely to offer 95% in near future?
-
New Mortgage Advice
Looking for a mortgage broker, preferably fee free and used to dealing with MOD Long Service Advance of Pay, in the Fareham area. Does anyone have any recommendations?
-
Halifax further advance
Hi, I have just applied for a Halifax further advance. My mortgage is £61000 and I have 20 years left. I have asked for an extra £4000 to pay off 3 credit cards (Barclay card £640, M&S £1450 and Lloyds £1750). This will leave me with a sainsburys loan of £9000, a saisnburys credit card of £4100 and an overdraft of £1500.…
-
combining ISA savings for offset mortgage
MY husband and I each have our own mini cash ISAs. I was wondering if we could pool our ISA savings into 1 pot and use that to offset our mortgage? OR if this is not possible, can our separate ISAs be used to offset our mortgage if they are all held by the same provider?
-
Can I get a mortgage to finance a property abroad?
I need to raise £90K to pay for an apartment in Morocco. I own my fathers house outright and there is no outstanding mortgage on that. It is valued at £180K. Is my best option to secure a mortgage against that, or is there an alternative better solution?
-
Endowment sell or keep for a rainy day..?
I know there are a load of different arguments but I'm keen to pay off a personal loan at 6.2% and by cashing in both we could do that and leave ourselves with about £4K to invest plus £200 (the cost of loan repayments and the total of the two premiums for the policies) to invest in long term savings plan. We are now on a…
