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separating, trying to buy partner out advice please
Partner and i (not married) are splitting up, she put £58k deposit down, i considerably less. I've paid the mortgage and majority of other bills on my own for the last 5 years, approx £38k. She was advised by a solicitor apparently that she is entitled to her deposit back and half of the price of the house if sold. But i'm…
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Clydesdale/Yorskshire Bank Credit reference?
I know this question has been asked about other banks and I expect the answer will be the same, but, anyone know which,if one particular credit reference agency the Clydesdale and Yorkshire BAnk use?
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Some advice re Credit Score and mortgage
I have an appointment with the bank this week to seek a first time buyer mortgage. The following is accurate; 1.I have the deposit required 2. I am in permanent employement earning £38,983 which will rise to £40,020 in September (guaranteed) 3. I have NEVER missed any payments or had any advers credit 4. I have made 6…
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Aviva Endowment Mortgage
Hi guys and gals, hopefully I'm posting this topic on the right thread and someone may be able to advise me (I posted a version of this in a reply to a topic on the `Insurance and Life Assurance Forum' but to no avail). I got a letter yesterday from Aviva asking me to vote on their reattribution offer (they call it an…
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Endowment Surrender advice please
Hello All, First post, my son reccomended that i talk to you guys I have a £10,000 endowment with a current surrender value of approximately 4.6k, the policy will mature in Feb 2013 - this is unit linked. I was mis-sold this but all attempts (even through the ombudsman) have failed. My Mortgage is now covered by repayment.…
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Negative Equity?
My husband and I were first time buyers in 2006 and were put on a variable rate mortgage for 3years. We had a 7% deposit and our mortgage is interest only. The plan was to remortgage this year and switch to a repayment mortgage. However, our house is now worth £10,000 less than when we bought it 3yrs ago, and is worth…
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Should we surrender Standard Life policies?
First time poster We have two Standard Life policies and can't decide whether to surrender them or not. 1st is a with profits Endowment Assurance policy started in 1990 maturing in 2012 Target amount £13250 Current value £6632 MEP £500 - £750 Current premium £24 2nd is a unit linked Homeplan policy started in 1993 maturing…
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Mortgage with satified deafaults of 4 years old
Hi I am new on here so I apologize if this has been done to death but i could do with some advice for the future. My situation is that I am currently in a DMP plan and at the moment i know I will not be able to get credit anywhere not even a normal bank ac!!!! :( whilst I am still on it. I am looking at having it paid off…
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22 months not 24 months
We are remortgaging with Chelsea at 3.39% fixed rate ( 100k), but our offer came yesterday showing 22 months at the reduced interest only. The solicitors said that the completion date would be 3rd July. I am at a loss as to why we are not being offered 24 months as expected. I will of course be on the phone tomorrow but I…
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Homebuy Scheme
Hi Everyone, I was wondering if anyone could help. Me and my Girlfriend are looking into buying our 1st house in the next 6 months but we have 2 problems, our Credit Rating and Deposit. Because we are not able to save a massive 20% in this time, we have looked into the homebuy scheme where we could purchase 50% of the…
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Please help!
No longer applies.
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Proof Of Salary
Hello, Myself and my OH are looking at buying our first home. My wages have just gone up and my OH starts a new job at the end of the month where he will be earning twice what he is earning now. This means that we are going to be able to get a bigger mortgage. I was just wondering though what kind of evidence do we need…
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Mortgage advice
Hey guys I have just recently got out of contract job and gone into permanent 2 weeks ago. I sadly have around £4k debt on my credit cards. And not much saving on my banks. I can provide £50k deposit for house. Was wondering, considering the above, what would be the chance of me getting mortgage? my current new salaray is…
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Advice Please
Hi, This is my first post here so if any mods can move it to a more appropriate part ofthe forum I am grateful. I have about 100k as equity in the house on which I have c.130k fixed rate mortgage which has 11 years left to run, servicing this costs me £1300 a month. I also have 2 unsecured loans which total 25k and two…
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charging orders...need to sell...is this a good idea?
Hello, I need to contact our mtg provoder about possibl selling before we get into further difficulty, we have had two chraging orders this year, would they know about them? we are looking to down size from our house to a flat if needs be, house would prob end up selling for less than we paid due to low lease of (about) 59…
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valuation: full amount or amount being lent?
Hi there Everyone. My flat (hopefully:rolleyes:) will be valued on Monday or Tuesday next week. This seems to me the last stage where anything can go ti*s up as my mortgage has been fully approved and underwritten by Natwest so this valuation is the big one!! Does the flat have to valued for the full purchase price or only…
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hoping soomeone can advise me defaults
Hi I am new here. In 2006 I was made redundant but I hadnt been there long enough to get any redunancy pay. I had loans etc that I couldn't afford and missed payments and stupidly burried my head in the sand hoping that they would somehow go away lol yeah right. Wish I had sorted it long time ago but never you live and…
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Payment on my Balance
Hi Can anyone explain this to me. I paid £450 off the balance of my mortgage and expected the balance of the mortgage to go down by that amount. But it changed by £312. Why is that? We are with the Halifax on a fixed repayment, but due to our current working short time we are only paying the interest. So are currently not…
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Calling all Mansfield Mortgage customers
Hi We really need some help! We have our mortgage with Mansfield and expires 10th Sept Currently 5.55% We have 80k left and house worth approx £285 Mansfield won't look at our mortgage yet and i would like to ask what existting Mansfield borrowers have been offered? Is it the rate on their website 4.59 £999 fee or have you…
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Worrying early - affordability
Hi Due to ongoing relationship problems I now find myself alone in a house with a £320,000 mortgage. I'm guessing it's currently worth around £550,000 (I'm playing safe and allowing for a bit of a drop here, they were going for £750k-£800k at the peak). The mortgage is fixed until 2013 at 5%, and I have no problem paying…
