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Need urgent help with mortgage rights
Thanks for you help in advance Right ,Me and my partner are first time buyers on a new house Prior to me meeting my partner I had already filed for bankruptcy so we decided it would be better to put the mortgage solely in her name I was discharged of bankruptcy in early January but credit was a concern. I want to be added…
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Mortgage Advice Needed for Long ago poor credit
Hi I am looking to find a mortgage either buy to let or one possibly residential to purchase 2 properties to renovate and let . I have sufficient deposits for 25% possibly more . The Problem i have is a have a good credit score 900 but have Defaults on Cards from 2003/4 from divorce days . My Wife has perfect score of 999…
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how can I get a mortgage without proof of income?
hi all, sorry for the repetitive question! I have £40,000 for a deposit for a house worth £130,000. However, I'm a postgraduate student with a fixed grant of £17,000 (tax free) for the next 14 months. I've also had a regular part time job for the last two years which has brought in an additional £8,000 or so - so my total…
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Remortgage to buy ex-partner out of home
I am in the process of looking for a mortgage to buy my ex-partner out of our marital home. I have seen a mortgage broker today and he recomended abbey on a 5 year fixed rate. 4.99% fixed untill August 2014. I need to borrow £49,000, on a house valued at £100,000. Over 15 years, payments of £387.23. The only fee i will…
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Possible to buy a fixed rate option on mortgage rate for future house purchase?
Hi, Been researching this area but not finding any info. via the main banks. I'm looking to buy my first house, but believe prices will fall further so putting it on hold for the time being. However I also think today's fixed mortgage rates (5-10 years) are about as low as they will be for some time to come and I'd like to…
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Over payment's query on current mortgage.
Hi all. I have made a number of over payments on my current mortgage (tracker until 1-06-09) and was wondering if i could use the money i have over-paid as monthly mortgage payments from this point onward i.e. i know want to use the money i have overpaid to cover future mortgage payments.. I did receive discounted rate's…
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Remortgaging inherited property
Hi all, Have come across a situation that I didnt expect when dealing with an inherited property and wondered if anyone had experienced the same situation. Iherited a property - probate completed and the property's deeds are in my name, I want to rent the property out as a buy to let after remortgaging to do some…
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Remortgage advice needed please
Hi, this is only my second post so please go easy on me. We have a mortgage with northern rock which is due to go on the svr from next month(no big deal providing that ir's dont rise significantly). House is worth between 200-210k- mortgage is for 140k. we want to see if we can get a better deal or at least fixed to give…
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Please answer Post office mortgage Qs for a thicko!
Hi, I am about to complete the 5year fixed remortgage at 4.15% with post office and have a few (stupid) queries 1) I was informed by my solicitor that the amount the Post office was releasing was £599 under the redemtion amount for my current mortgage. I asked to pay all fees up front and not have them added to my mortgage…
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Is this possible or am i dreaming?
Evening, I am 22yr old, soon to be secondary school teacher, with job confirmed for September. Just shy of 21k. Have seen 2 bedroom terrace house on rightmove and i am very interested. It's priced at £79,950, no onward chain, needs cosmetic work. I currently have 10k and a bit saved. However, getting a morgage might well…
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mortgages,deed of postponement
Hi can any body help?My three year mortgages deal has just come to an end.I have been searching for a new deal,and have found a great one which i have accepted.This is where the trouble started,I have a second charge on my property,and this company have said they wont sign the deed of postponement.My new mortgags is with…
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Credit Rating and Mortgages
Hi, I'm saving a deposit with my partner. It's a long haul, but depending on what mortgages and properties are available we may be able to "jump" this time next year. However, I'm concerned about my credit rating, especially as we will have a high LTV. My partner has never missed a payment, and has an "excellent" score…
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Can Abbey stop us transfering our mortgage to a new property?
A change in circumstances has led to my partner and I looking for a new house. After searching the internet we couldnt find a house that ticked all the boxes. Then we looked at some new build properties and found the perfect house, the right area, walking distance of shops and pubs, parking for 2 cars, large rooms and a…
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Question re: Abbey 10 year Fixed Rate Mortgage - legal fees?
Hi! I am interested in this mortgage from Abbey, as I want to fix for 10 years. I spoke to someone at Abbey over the phone today, who took some details from me and is going to get someone to call me back with a view to arranging it (next week). The girl on the phone told me that as well as the setup fee of £995.00 there…
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mortgage advisors(how do you tell good from bad)
Just had a visit from an independent mortgage advisor from a brokerage company. it seems like good advice he is offering but is it really and how do you tell.:think: This is my first time on a forum site and don't really know the etiquette. Can i name the company and ask for any feed back? Oh well I'm doing it anyway so…
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Some help on mortgage please !!
dear friends, I plan to buy a house for 300,000 pounds & can afford a 10% deposit (& maybe able to really stretch to 15% deposit max. ) I was thinking of a 5year or a 3 year fix. The mortgage advisers i went to did not appear very helpful. I have heard natwest fixed for 5 years at 5.99% is competitive but my mortgage…
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Hsbc
Wanting to remortgage to HSBC with a 33% LTV. Can this be done online or over the phone rather than having to have a two hour meeting in the branch. Trying to find out with Live Chat on HSBC but all agents are busy. Thanks
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Will the fact I've gone over my overdraft ruin my chances of getting a mortgage?
Hi, I'm applying for a mortgage with my patner at the moment. We have got our mortgage advise through countrywide and have applied for a Natwest 5 year fixed mortgage. The offer accepted on the house was £105k, and we have a 10% deposit. We have had the survey come back with no problems, but i am worried because they have…
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Endowment assigned wrongly to laing
Our endowment policy with Phoenix matures next month, but it is wrongly assigned to Laing, who had given us a top-up loan when we bought the house 25 years ago. We have to obtain a letter declaring no interest in the policy from them. Have rung Laing head office, but people I have spoken to have no idea who to direct me…
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Mortgage PPI
Hi All, In January 2009 I took out PPI for my mortgage with Ant Insurance. It had a 90 day exclusion period which ended in April. At the time I was on a fixed rate mortgage paying £1039 a month, so my premium was calculated based on this and an extra amount which would result in a £1200 payout per month if claimed. My…
