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Woolwich Mortgage - End of Fixed Rate Question!
I really need some help off of you kind mortgage experts as I’m confused about our fixed rate mortgage coming to an end. We took out a 3 year fixed rate mortgage on 13/06/06 at 5.29%. After the fixed rate ends our mortgage converts to a tracker mortgage at 0.95% above the base rate (with no collar!)– which as you can…
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units linked endowment
I'm trying to sell my endowment instead of surrendering it. I can't seem to find a company that buys units linked endowments. Can anybody point me in the right direction, ie, possible buying companies . Thanks
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Should I overpay even more?
I've currently got an offset mortgage with the Coventry which is linked to base rate and so it's on a fantastic 1.1% rate at the moment. I've not reduced my monthly payments since the rate reduced and so I'm now overpaying by £200 a month. I've recently removed the majority of money from the offset side of the mortgage…
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Does this sound feasable?
I currently own a 2 bed flat which i bought little over a year ago for £94k, i put down £20k on this so have a mortgage of £73k. The girlfreind has now moved in with me and the place isnt big enough now. I dont want to sell the flat as i've made a lot of improvements, spending £1000's on it, so if possible would like to…
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time to re mortgage..need help
hi there 2 yrs ago we remortgaged with kensington .....due to falling in arrears of about 5 mths with halifax...and also other arrears etc etc.... now 2 yrs have passed were doing fine...everything paid off.....no arrears... ok...so we have had a past history of arrears but nothing now for 2 yrs.... good earners..... good…
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Sticky situation
Hello We bought our first house back in summer 2007. We bought at the height of house prices with Northern Rock. It was a 125% mortgage as I had debt and didnt have a deposit. I know - worst case scenario. But for the last 18 months, we have always paid in full each month having enough money to fully decorate the house,…
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What will you do when you finally pay off your mortgage?
Tom Logan, from Hatfield, said: "I'm going to get Earth Wind and Fire to play Boogie Wonderland so loud it explodes every window within a 12-mile radius while the Red Arrows do a flypast over my house. I will probably have to take out another mortgage but it'll be worth every penny."…
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COnfused mortgage help!
Trying to figure out what to do with my mortgage so will give you the background info first: I am a graduate with a pretty safe job started in January, I have had a flat for around a yr now. I jsy graduated when I found my flat and had no job so could not get a mortgage. I had the deposit and my parents had equity in there…
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To fix or not to fix?
Our fixed rate of 4.89% has just finished this month and we are now on the SVR of 2.99%. We have reduced the term from 119 months to 99 months by keeping our payments the same as before. :TYippee... Our income is currently stable and we can afford the current monthly payments. Our mortgage is for £110k and our house is…
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How much will payments be approx?
I currently pay £644.47 for my mortgage which is made up of the following payments 01 6.09% £289.92 03 2.50% £100.68 04 6.09% £10.16 05 5.54% £241.55 99 6.09% £2.16 In July the rates above (excluding 03 which is already on SVR) will revert to the SVR which is currently 2.5%. If the SVR stays at 2.5% does anyone know…
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First Direct Tracker v/s Natwest Fixed?
Hello! We are first time buyers and looking to buy a 3-bed semi in Ruislip. We are stuck with the choice of mortgage to go with. We have secured 2 mortgage offers, in principle, with 80% LTV: 1. First Direct's Lifetime Tracker @2.59% above BoE base rate (currently 3.09%) + £999 arrangement fee 2. Natwest 5 yr fixed @5.29%…
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self employed-looking for mortgage
bit of advice needed please at moment, hubby and i have a fixed rate mortgage (rate runs out next year) we are both unemployed at the mo ..and nearing the end of the road with savings! hubby will be self employed in few weeks time we want to sell our house and move to somewhere more affordable 1) would we get a mortgage…
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self cert mortgages???
We have a self cert mortgage, which is coming to the end of the 3 year fixed rate. The only self cert option we have is putting mortgage up around 12% per month. Does anyone know is self certs are totally finished or are they still available. ta
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Are self cert mortgages now extinct.
We have a self cert mortgage, which is coming to the end of the 3 year fixed rate. The only self cert option we have is putting mortgage up around 12% per month. Does anyone know is self certs are totally finished or are they still available. ta
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showing income for a remortgage
hi once my current fixed rate ends in july, im gonna go on the svr and stay there till rates go up then look at fixing. but when the time does come for me to remortgage, will rental income on my 2 BTL's count towards my income? coz my income has gone down by almost half due to redundancy and stuff, but if i include my…
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Mortgage Relief
I am currently on job seekers allowance. If I can claim mortgage relief and the interest rate goes up, do I get the interest paid or do I need to fix now at a lower rate? Will I be able to remortgage on job seekers allowance? Please help as I an confused as to the best way forward. Many thanks for taking the time to read.
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Help Please - Can we get a mortgage to complete in time?
My husband and I are moving as we both have new jobs - We need a 110k mortgage, we have over a 60% deposit. We need to complete on 7th August, however my husbands job starts 1st Sept and mine is 14-28th September (both non negotiable). We are holding money back from the sale of our property ( which is mortgage free) to pay…
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RBS 5Yr fix @ 4.69% (£299 fee)
With our fixed rate ending in a few weeks I've been looking at 2, 3 & 5 year fixed rates. I'd almost gone for an A&L fix 2Yrs @ 3.79% (with £995 fee) then saw RBS have a 5yr fix at 4.69% with only a £295 fee (Details here). I rang them up, its still available and there are no solicitors fees or valuation fees, so I was…
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ENDOWMENTS stick or change
hello i have 2 endowments both with nu not used against a mortgage just as savings plans start dates were 91 and 96, 37 and 40 pounds a month called last week surrender values were 9975 and 4995.no dets over than 20k left to pay on mortgage start date was nov 96 now a repayment for at least 5 years .so the question is do i…
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Leeds said no to S/O mortgage, Woolwich said yes??
I asked a question last week about this, Leeds turned down my application for a mortgage. I then went to Woolwich, expecting the same answer. They agreed in "principle" - and have sent me the paperwork. I haven't received it yet though. The Housing Association have just called me to hurry me up - they said they were aware…
