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First time buyer
Hi All We are looking to buy my first property. Location is Glasgow. This Saturday is open viewing on couple of flats that we are interesting in (all of them in the same development). The asking price is £65k for two beds flat. I already contacted mortgage broker and hi is "whole of market" and don't charge any fees. We…
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alliance and leicester -£25 fee for own insurance
hi we have just recieved,our a&l mortgage offer and it seems we have to pay £25 for the priveledge of finding our own insurance rather than go with their choice zurich. however i rang zurich and they wont insure the property as its near water way and has a flood risk! so ive had to find different insurance. surely we…
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Remortgage possible?
Last year I paid off my mortgage and now my son is buying his first house and I would like to remortgage my house to pay for his deposit. I don’t really know if this possible or not, I would be grateful for any advice, thank you.
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Please help...desperate to solve problem of house with ex
Hi everyone, Please help me I am desperate and out of ideas, I want this man out of my life!!! I still have a house in joint names with my ex-husband. We cannot sell it in this market so have been renting it out. The rent doesnt cover the mortgage and I am paying all losses. I got a court order to say he has to sign deeds…
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General consolidation...
Hi I'm not that new but hardly ever have time to browse here. My husband recently lost his job and his new job doesn't give us as much money each month to cover the basics. One thing that it possible to do is consolidate our CCs. We currently have a house worth about 140k, with 100k mortgage on it. We have 8k on a load for…
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Sub-Contractor Mortgage?
Hello all, A couple of weeks back we went to see the people at halifax to see how much they were willing to lend us. I'm in full time employment so this was fine, however my partner is a dance teacher. She explained how she teaches at local schools, then she invoices the LEA for the amount. She is booked by the local…
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GUIDANCE needed-I want to buy a narrow boat
Hi All, first-time poster here. I would like to buy a narrow boat to live in. Can anyone give me any tips/advice on where I can go to get a mortgage (or loan) to do this? The narrow boat is based in London, has no permanent mooring attached, and is valued at £46000. My annual salary is £25K. This is the only home I can…
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Daft question? Probably.
Are there any 95% mortgages around at the moment? And if so, are they actually a reasonable deal...?
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Northern Bank Ltd BBR + 3.49% Tracker LTV 95% Direct
Is this deal to good to be true ? This is a 95% mortgage available to anyone looking to remortgage... Am I missing something or are 95% products coming back in ? Penrith BS are offering 95% on properties within Cumbria as well.
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Advice-valuation a lot less than thought.
Hi, Hope someone will be able to help, myself & my husband are in the process of re-mortgaging as current deal with Abbey expires the beginning of August. At present we are interest only but are looking to change to repayment. We are currently in the process of applying for a mortgage with Natwest which I was under the…
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Understanding Mortgage!
Guys Can't get my head round a couple of things!! My girlfriend and I have finally saved the required amount for a house we like and are considering making an offer. Before we do that we obviously need a mortgage agreement/in principle, whatever you wanna call it. I've just put figures into money supermarket for a £120,000…
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Sounding boards required
Hi again I think this is in the right thread, apologies if not. Anyway, I'm just looking for some general sounding boards around my mortgage and next steps generally. Firstly, I dont have the greatest credit history. I have lost my job a couple of times over the past 5 years, plus the fact that I'm just not great at paying…
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Early repayment charge
I am curently just over 1 year into a fixed rate 5.34%. My early repayment charge is £6767. I phoned my mortgae company a few months ago who said I would go onto the standard variable rate if I switched now at about 3.5%. I have just phoned up now and they said I would actually go onto there based rate tracker of 1.49%…
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First payment
Just a quick question. We are really close to buying our first house now and we have requested that the payment comes out on the 1st of each month. If we complete on the 2nd or after of september, does that mean that we would first pay on the 1st of october and it will be 2 months worth. The mortgage is with natwest Thanks
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Should I cash in my andowment
I have had a Woolwich endowment for £35,000 for 11 years and even with overpayments it is still only worth about what I have put into it, around £10,000. Woolwich tell me it is on course. I am only paying .69 per cent interest on it but I am still interested in hearing from anyone with experience in this department who can…
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Interest only mortgage
Naive question here! Is the idea of interest only mortgages that they are only held for a very short term or can they be used like the old style endowment mortgages where you take out some kind of insurance to pay it off in the longer term? I've got an interest only mortgage but obviously I don't want to be left with a…
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i curse thee nikeconfluence i curse thee
may your man-bits shrivel like out of date prunes in the cupboard and may thy wee-wee smell like rotten eggs. Oh, it already does?
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Urgent Time To Fix?
According to the email today from MSE its likely that rates will go up for mortgages pretty soon! So who here is going to fix? My plan is to get the best deals and they're quotes usually last a month so a bit of breathing room there! Thoughts?
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Collapse of C&G branches, can I opt out of my mortgage with them?
Unfortunately I locked myself in a 5 yr mortgage with C&G at the peak of the rates. I still have 3 1/2 yrs left and according to my calcs I could be saving around £300 a month if I took a variable (I have a large mortgage). With the collapse of the branches, the news is the mortgages will not be effected but is there a…
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title deeds
hi I have paid off my mortgage but have just been agreed a new mortgage for an extension to the house. What happens with the deeds of the house as I currently have them stored away? Would the lender ask for them now that I am borrowing again. I have a surveyor coming out tomorrow, my house is worth 150 and I am borrowing…
