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Britannia Mortgage
Has anyone recently got a mortgage approved with Britannia? We are applying tomorrow with a LTV 85% and my credit rating is 999, but my partners is 880. Will this cause a problem?? Any advice appreciated!
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Mortgage advice
Hi I am hoping someone here can give me some advice regarding my mortgage. I took out a 5.79% fixed rate with Alliance and Leicester in June 2007 and have recently received a letter from them advising that once is expires at the end of the month I will be switched onto the standard variable rate of 4.99% (which in itself…
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My mortgage - short term let agreement
Hi everyone, First time I have posted. I trust I will get some fantastic responses to a tricky question! Many thanks... I have had my mortgage with Bristol and West for almost 3 years. Last March I was given permission to let my flat out on a temporary arrangement (for 2 years) when I wanted to move in with my girlfriend…
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Self Employed looking to switch mortgage - Advice needed
I managed to get a mortgage from Standard Life last year just before all the self cert mortgages were pulled. The discount term will end next year and I'm looking to 'let to buy'. ie rent out my existing flat and buy another. My girlfriend is in full employment but I'm a contract worker. What do you reckon the chances are…
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Friendly mortgage advice please....
Hi there fellow money saving experts, I wanted to pick the brains of those of you 'in-the-know' or basically anyone with a rational opinion please... My tracker rate mortgage deal currently at 1.25% for 207k ends mid september 09'. I have been paying only the interest which amounted to £130 or so per month. In September my…
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Valuation advice
Hi, I know its difficult but how can I get a very good idea of what my house is valued at without paying for a valution? I've used rightmove, zoopla and mouseprice - can anyone recommend anything else? thanks
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Abbey
Hi guys, I have been offered 4.99% fixed for three years with a £125 fee from Abbey. We owe £187 and the property is probably worth £235. does this sound like a fair deal? thanks, T
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Broken Interest on 1st mortgage payment - clarification required
Can someone please confirm what broken interest is in terms of the first mortgage paymet and whether it is better for any reason to 'complete' at any particular time of the month . I only ask because my building society seem to think it is better to complete at the end of a month as your first payment will consist of 1…
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Mortgage repayment calculations
I can find plenty of websites that allow me to calculate monthly mortgage repayments on for example borrowing £100,000 at a fixed rate of 3.49% for 15 years. The repayments would be £714.39 per month made up of capital and interest but as I understand it within the £714.39 the amount of capital repayment(or interest…
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buy to let help
Hi all, my partner and I bought our first home two years ago, but after a year we had to move out due to problem neighbours. We then let it out but did not tell our bank. The fixed rate has come to an end and London and country have advised us to drop onto SVR rates and not remortgage. However, they did say that if we got…
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Agreement in principle question
Hi, New to the game to trying to find as much out as I can without paying someone, so I hope you can help! I am looking at a Housing Association Sghared Equity scheme, and to reserve a property (only 3 or 20 left) I need an agreement in principle.I just wanted to know if I get an AIP with someone, do I have to go with…
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cemap
[FONT="]I particularly have enjoyed a friendly and conducive learning environment while on my CeMAP qualification programme at The Financial Training Academy and The Financial Recruitment Academy since August 2008.Not only are the staff very approachable but they are readily available and willing to assist me at all…
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Thinking of buying a new build 15% LTV not sure what to do!!
Hello, I am thinking of buying a one bed new build (on at £200,0000) in London and builder won't come down any lower than £195,000 as he has nearly sold them all. The flats are selling very well and it's the last one left on the floor we want. As it's a new build the only mortgage provider is principality who offer 5.69…
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re mortgage advice please
Live in a 5 bed house valued at £325,000 (Professional valuation not mine !!) Have a £50,000 repayment mortgage, want to do some things around the house so need some capital, have credit cards, store cards, with around £2000 on but the prob is was relying on a big chunk of the equity in the house to top up my retirement…
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Move to fixed or stick with tracker?
Hi all, I had a fixed-rate mortgage with ING whcih finished back in Jan 2009 and I have been moved onto their retention rate of BoE+0.9% (so currently 1.4%) With mortgage rates beginning to rise, I'm thinking about going back to a fixed rate but can't work out whether this is a wise move or not. Most of the 5yrs fixeds are…
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My about to be strange situation as a Professional Poker Player seeking a mortgage
Hey all. On Tuesday i have my first appointment of what i imagine will be many to speak about a mortgage and i'm looking for a little bit of a heads up in what to expect. I'm also curious about what people would do in my situation and anything i should be doing. 6 years ago at 18 i dropped out of studying maths at…
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FTB queries
Hi, Can i get an AIP online before i start viewing properties? Iam looking for house around 150k-160k. Should i enter the value of property as 160k on the AIP form? Any other advices on this as well please Thanks,
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porting northern rock mortgage, with additional borrowing
hi, just need some advice, i am currently 4 years into a 15 year fixed mortgage at 4.99 with a 5k penalty, we now want to move to another property.current mortgage is £95000 and we want to borrow another £50000, does anyone know if it is possible to port our deal and borrow the extra capital, and what rate would the…
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Fsa Position On Consumer Whistleblowing / Reporting Of Fraudulent Behaviour
When the FSA finally got round to making some attempt to show they were interested in regulating the industry and seeking to crack down on the fraudulent behaviour of those working within the sector. It was their position that they would not look at complaints from individual consumers, which in itself is astonishing &…
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experian credit report doesnt show me my default??!
hi, I have an issue with my experian credit report, when searching my credit report it seems almost perfect but when applying for a mortgage with 2x companies they have both said no as apparently I have a default against my name that is 'unsettled' however the companies wont tell me anything else except I have default but…
