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Mortgage FTB - Banks Help Needed please.
Hi , hope someone might know the answer to this in preperation for the visit to the IFA on Tuesday, We need a mortgage for 124,000 to buy a house we have found and had an offer accepted on for 150,000. We are putting a deposit down of 26,000 approx 17% We were going to buy through mychoice homebuy and had an AIP for a…
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Advice please - remortgaging
Hi All, We need to remortgage in the next few months. We are looking for 75% LTV. We have no savings although frequently have a credit interest in our current account (not huge but usually £1K at the end of each month). My questions -* We are likely to be in our current house for no more than 2-3 years before moving. Is it…
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80-85%, variable
which ones are best? i seen britania at 4,6 coventry at 4,7 clydesdale at 4,2 firstdirect 3,09 anyone knows better? thanks
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question about abbey surveys
ive been told that abbey at the moemnt are taking ages to get surveys done more than 8 weeks anyone had this problem with them ?
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mortgage help please, please!
Hi, just wondered if anyone had any advise please. I am currently living in my parents house which i am renting, and i have a £10000 saved for a deposit, which i want to use to buy the house. The house is worth £115000 and currently i am unable to get a good mortgage due to LTV rates. My parents have said they may be able…
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Who lends the most
Hi, I'm a first time buyer looking for a home at the moment and was wondering which lender lends the most money. Its a single mortgage I currently earn £19500 but this more then doubles in a years time. I have a good deposit of £40000.
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Nationwide Mortgage - Fixed Deal - Taking Paycut
Hi, I wondered if anyone may advise me. I am currently in a fixed deal with Nationwide (2 year fixed) of which I have 1 year remaining. My interest rate is 6.7% (ouch). My employer is passing its employees over to a third party via TUPE. I have managed to secure another job in an area of the business that will not be…
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Some Advice please
iM NEW TO THIS FORUM SO BE GENTLE WITH ME im currently coming to the end of my deal with NR unsure how to proceed .4years ago my fiance and i bought a flat ,just as we started uni .we are due to graduate and were going to sell are flat ,but obviously with the recession this may no longer be an option .so heres the score :…
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!
Hi there - sorry this will be a bit of a long post but will run the following past you for your expert advice. My brother earns £30k and has a £20k cash deposit he has no dependants or debt at all. He want to but a flat for £175k. In order to get the best interest rate he needs more deposit so my dad has offered to assist…
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Mortgages for timber properties
I am trying to find out if anyone knows of any mortgage lenders who will offer mortgages on wooden properties? Several neighbours have said that they found it very difficult to find a provider. Thanks in advance:beer: Simon
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Getting a re morgage - chances
House worth £130k Existing fixed rate mortgage - £70K Have decided to remortgage with an offset as have the whole £70k to offset all interest. Current mortgager does not offer offset so will have to deal with new supplier. Can produce: 5 years excellent mortgage statements 5 years solvent bank statements 5 years credit…
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Advantage Mortgage Shock Offer
Well I am in a state of shock....currently we have a mortgage with Advantage (Only deal we could get 2 years ago). Yesterday we received a letter telling us that if we move our mortgage away from them they will waive any fees plus give us a £21,700 cash allowance to be taken direct off our outstanding amount!! Cant believe…
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mortgage help support scheme
Hi can someone tell me if accord mortgages are going to be part of this govt scheme, they are part of yorkshire bank but not sure if on this scheme like yorkshire bank are. thanks
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10 year fix
Hi everyone. I'm coming to the end of my fixed rate with Abbey in July and debating with myself what to do next. They have just brought in a 10 year fix at 4.99%, 75% LTV and £995 fee. That seems to match what they are offering over 5years, but without the fee. My mortgage has about 12 years to run. Does anyone think its…
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post office - consent to transfer ?
hi guys - have recieved my offer of loan today from bristol + west mortgages (post office). could someone explain to me please the meaning of 'consent to transfer' as in - "you acknowledge that we have the legal power incorporated in the mortgage deed to subsequently transfer the mortgage to another body which may not…
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Selling Endowment??
I'm planning on cashing in my endowment and wondering if it is a better idea to sell it. Has anyone any experience of this? Thanks
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Offset mortgage advise
I am coming to the end of a fixed rate deal on my mortgage. maybe I'm being a bit simplistic but here is my reasoning for considering offset. I want my money (80k) to be safe. It's all invested with building societies. I want to have a motrgage to keep down my partners CSA payments. With a mortgage she has housing costs.…
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Does a visit to a mortgage broker affect my credit rating?
Will going to more than one mortgage broker affect my credit rating? Also, as some lenders like HSBC you have to go direct to, will that affect the rating too? At the moment it's just a case of finding out how much we could borrow.
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Overpayments???
Hi, I have a mortgage with Halifax, and was just wondering if I would be able to make an overpayment using my credit card? I've got 12 months interest free, and can choose a new mortgage deal in September, so it would be ideal to make a slight overpayment. Would I be allowed to do this? Thanks
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best 90% re-mortgage at the mo?
Hi, I'm just about to come to the end of my 2yr fixed with A&L (6.19%). Unfortunately with the value of my house coming down I'm still looking at trying to borrow 88% The best deal I seem to be able to get at the mo is still with A&L 5 year fixed at 5.49% +£399fee 3 year fixed at 4.99% +£399fee My house is worth around…
