-
FTB mortgage deals
just reserved a plot, new build house. £ 160,000 with 5% builders deposit paid = £152,000 i have another 10% deposit to put towards this figure= £15,200 to make this up to 15% deposit. = 85% LTV Have searched whole of market and seem to only be getting one lender Nationwide, who will accept 5% builders deposit. Can get 2yr…
-
Mortgage approved -rates go up :(
Hi We had just had a mortgage approved 'subject to valuation ' then the rates went up before the valuation was completed ...... I know the answer already tbh but just to remove all hope from my tiny lil mind.. The increase will apply to our mortgage too wont it ? :rolleyes:
-
advantage mortgages
just to let everyone know, Advantage have just offered us £10,000.00 if we pay of our mortgage in full by 9th oct. perfect for us as we are selling our house but also worth looking at for people wanting to re-mortgage. they are also in some cases waiving any early redemption payments for fixed mortgages and the £250.00…
-
Advice on remortgage
I have come to the end of my fixed 2 yrs mortgage. I will be going to a 4.99% var in October. I’ve been looking at remortgaging in order to get another good fixed rate. This is my 1st mortgage and have not done this before. The problem is I bought my house for 90k and my current mortgage provider says its only worth 77k,…
-
Buy To Let or Standard?
Looking at buying a flat to try and either sell on or rent out. Best I have seen depositwise is 25% of the property value, is there any better then this, property is only 80k. If i wanted to buy the flat and renovate it then sell it on, would i be able to get a standard mortgage on this? Thanks guys. Liam
-
Can anyone beat 4.89% for 7 year fixed?
As natwest have put theres up, can anyone beat Abbeys 7 year fixed at 4.89 £999 fee or a 10 year fixed less than 5.59%. LTV would be 67% Thanks
-
4 fixed rate mortgages - pick one...
After procrastinating over the 3.99% A&L deal and therefore missing it I've come up with 4 current fixed rate mortgages to choose from. I am looking for the best overall value over the term of the mortgage. Mortgage is £45k and LTV is circa 30% - which one of these would you pick?* HSBC at 4.24% over 5 years (Fee of £599)…
-
renting current home and buying new home
Hi your thoughts on this would be appreciated.. We have lived in our house since dec 2000 and have a fixed rate of 5.49 untill may next year. To buy out of this would cost 57.5k ideally we would like to turn this into a buy to let property borrowing an extra 30k of the equity. i have spoken to a mortgage broker and been…
-
RBS/Natwest rates went up at midnight
I was meant to be getting a call back in the week to arrange a mortgage but they never called. Phoned today as I've got the day off work and after half an hour, got through to speak to someone. Rates went up at midnight and the website hasn't yet been updated. The 4.59% 5 year fixes rate I was after is now 4.89% Grrrr!!…
-
Split mortgage & remortgage
Hi, we currently have a mortgage with RBS, this however is split into two (large sum & small sum). These two mortgages are two different products with different rates, discount periods etc. My question is this, if we were to remortgage just the larger sum with another supplier would they take that as the whole mortgage…
-
New NatWest mortgage portfolio..
Not as bad as I expected it would be... http://www.natwest.com/personal/mortgages/g3/fixed-rate.ashx?tab=3
-
A&L Offer 4.49% for next 2 years. Good?
Hi All, About to remortgage for the first time and looking for some help. Currently on 5.87% fixed rate which ends in Sept. I called A&L yesterday and the best rate they could offer was 4.49% for 2 years. Flat Value at £142000 Mortgage at £97000 The problem is that i was made redundant at the end of March and i am in a…
-
Please Help Mortgage I.D
I'll get straight to the point if thats ok., today I have somehow manged to loose my paper driving licence which I require for my mortgage application which has been accepted in principal with Nationwide. I am at the stage where I want to get a formal application in but I dont have a current passport. Can someone please if…
-
platform mortgages - are these rates too good to be true?
hope you can help - my mortgage advisor has just come back with a decision in principle from platform home loans offering me a 75% mortgage on a prime product. the interest rates for 2years fixed have come back at 3.99% and 3year fixed at 4.39%. I dont know about you but I am finding these rates just too good to be true…
-
Help please for a ftb
Me and my girlfriend are looking to buy a house in Oct/Nov. We have a deposit of £15k and are looking to buy a house for £80/85k im employed on a permanent contract and have been for about 8 years and currently earn £15k my girlfriend is in her final year qualifying as a teacher and has a job for September however it is…
-
Morgage Application
Hi I wonder if someone can help me. When you have applied for a morgage (eg filled out the morgage application) how long does it take for them to get back to you after the credit checks etc to say that we can get the morgage? Your help be much appreciated. :confused:
-
Not so Portable Mortgage - and In DMP
Hi, My house has been on the market now for over a year and we have just accepted an offer on it. However we have just entered into a DMP with payplan. We were originally told that our mortgage (with Halifax) was portable and if we moved we could switch it over to the new property. However after speaking to the Haliax they…
-
Deed of Postponement want valuation - A&L won't provide
Hi - we are currently re-mortgaging with A&L (new lender) and our mortgage has been offered but we have hit a wall as Barclays (secured loan for loft conversion) want to know what A&L valued the property at and A&L have stated categorically that they will NOT provide this figure. We are not in negative equity. No arrears.…
-
Rent out property
Hi I'm thinking of renting out my flat for a couple of years and have been told by my mortgage provider (nationwide) that this is not a problem and I just need to fill in a form to let them know. My question is that if i'm not living in the property and want to remortgage (when the interest rates start going up again),…
-
Newbie Remortgage advice/info
Hi All Currently have a fixed rate mortgage with the Halifax until 30 Nov 2009 but have started looking around for a good rate over 5 or 10 years. Have 17 years to pay owing £120k with a property, I reckon is £170k, was £180K back in Oct 2005 and houses in our area are still going for £185-195K but I am being pessimistic.…
