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advice on rights
my brother has lived with his girlfriend for one year, she has now left to live with someone else. Does she have any legal rights over the property,her name is not on the mortgage.
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living beyond my means
when i got my mortgage it was because i had a big deposit saved and my income wasnt taken into account. now i'm stuck with a £18k job and a £105k mortgage at £644/month i'm wondering if i did things by the book (got an income based mortgage) what would they have lent me? whats a realistic % of my income (around £1100 a…
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Mortgage Express - SVR?
My mortgage is about to move onto the Mortgage express (part of bradford & bingly) Standard variable rate after 2 years, all my paperwork says the interest rate will be 7.4% but that was 2 years ago. Does anyone know what there current SVR is?
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Default V's Late payment
Hey folks, Just a quick query... even though it may sound stupid but what is the difference (if any) between a default and late payment? Thanks
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What would happen if my mortgage lender went bust?
Hi folks, Headline news today, local authorities withdrawing millions of pounds from building society's as financial advisors tell them that they can make better returns elsewhere. Is it possible that this could cause them to go bankrupt and if so what could happen to someones mortgage / house? Cheers, Sue
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Advice needed on what to do next?
Hi All, My A&L 5yr fixed 4.99% is finishing at the end of June. I was intending to take out another long term fixed, but with the deals out there at the moment, they don't seem very good value for money. Mortgage is for £137k LTV of about 48%. Does anyone think a short term traker or discount may be better at the moment,…
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Halifax Consent to Let - Early Repayment Charges?
Hi, In a bit of a pickle and hoping to find someone who's been through this before. I applied for Consent to Let on my mortgage as I'm moving in with my girlfriend next month. The adviser said that'd be fine, I'd have to pay the product fee but there'd be no Early Redemption Charge. Checked my mortgage balance online today…
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Updated: Now a question about deposits and valuations :)
Hey all, We're at a bit of a loss and are wondering if anyone out there could give us a bit of a hand understanding what's going on with our mortgage application. I [Mark] have a few defaults on my credit file, and after asking an IFA, my partner Matt applied for a mortgage on his own. He has no credit problems on his…
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Is it now easier to get a mortgage?
This thread is to discuss the following news story: Is it now easier to get a mortgage?
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buying in ireland ?
i currently have a mortgage with NR with my fiance ,we have now gained consent to let from them and found a reliable tenent ,which covers the mortgage and a little extra . we are moving to dublin at the end of summer and looking to purchase a property ,would just like to know how having an existing mortgage will effect…
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going bankrupt
hi just a few questions we have an abbey fixed for five years mortgage taken out a month before the crash !! do you think the abbey will change this to an intrest only from an repayment and if so how much will our mortgage repayments drop by at the moment £1250 per month the other thing is i might be going bankrupt on my…
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has anyone had to claim with AN payment care for a mortgage?
please ignore
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Remortgage as soon as i buy a new build?
Hello, This is my situation, i got a very very good deal on a new build. i paid £175k for a house that will easily be valued at £220-225k. Due to the circumstances there was only one bank we could get a mortgage with at 85% (10% was a 0% loan from the builder - therefore not many banks will accept this as a deposit). Now…
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First Time Buyer.. 2 or 4 year fixed?
First time buyer here, been offered the following deals 5.79% fixed for 2 years or 5.74% fixed for 4 years I know no one has a crystal ball but has anyone got any advice on whether i should gamble with the 2 year deal or go for the security of a 4 year deal but the chance of missing out a low variable rate that i might of…
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Is there a mortgage expert in the house!!!
Am hoping to move into a rent to buy scheme shortly but am keen to get a mortgage to buy a share. I am wanting to buy 50% share which would be 85000. i can probably get my hands on somewhere in the region of 20% deposit for the 50% share. there are some down sides to this! hubby and i declared bankrupt june 2005 discharged…
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Advice& Help needed - remortgaging or not in July 2009?
Hi there, Freshly registered but a frequent user of MSE (especially Martin's emails!) says hello to all :) Let me describe my story in a bit of detail. My partner and me bought our first house in July 2007 at our maximum possible price 125k with 97% mortgage from Halifax with fixed rate at 6.5%. At that time it was a good…
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Worred now, Halifax want to do another credit check
I had my mortgage offer back in January. For various reasons, completion won't be for another 4 weeks. The mortgage offer is valid until July 31st so that's fine but the lady I spoke to said their credit search was only valid for 3 months so they will have to do another one. I'm worried now they'll turn it down. I haven't…
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Abbey 10yr Fixed
£995 fee, 4.99% I am tempted, thoughts? Had an agreement in principle with Abbey end of January, so hopefully it shouldn't be too hard to progress? (More deposit now too wahey!)
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Permission to Let Northern Rock.
Here's pickle for you. My Girlfriend has recentlly moved into my flat - leaving her flat un-occupied. Given the state of the housing market we have decided to rent her flat - we have done it up, and put it to let through an agent following the many, many procedures recquired from us in doing this. The only proble is that…
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mortgage repayments
Hi, this might be a really stupid question but i'm hoping that you will be nice to me! Now myself and my husband have made some fairly dodgy financial decisions in the past which i'd rather not dwell on but we're getting back on track with things now and as of next month we'll have paid off everything we owe other than the…
