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missed payments!
I stupidly missed some credit card payments over a year ago, now I am looking to sell my house and buy another house. would any lendors still give me a mortgage with those missed payments on my credit score or would i be wasting my time in asking????
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Woolwich open plan
I've had this mortgage since Dec 1999 so a long time, it was a main account and a reserve amount for £5,000 now due to various reasons and now because it is interest only I only have a limit of £172 so still owe £4828 on it. I got my monthly statement through and written next to available balance is 'Reserve suspended'. I…
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New offer from Northern Rock
Hi I'm a Northern rock customer who just want to know if any other customers have been offered a new deal yet? cheers jay
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Fixed rate ending & negative equity
Hi, First time post, so wonder if someone might be able to offer advice/info (as my mortgage broker is no longer around). My wife & I took a 100% mortgage on a fixed rate (over a 30 year term) of 5.99% in mid 2007, which runs out in January 2010. The house we bought was £190k (the offer was accepted in January 07) &…
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Fixed Mortgages
Hi I,m confused....and hoping someone might be able to help....please :A I was on a fixed rate mortgage with Northern Rock for the last few months we have been on their variable rate as our fixed rate ended and have been waiting for the fixed rates to go down, we are looking for a 10 year (possibly 15 years) 'low' ( i can…
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Mortage advice: help needed
Hi guys Was after some advice I am interested in putting a bid in for a flat in a new build. The price is £199,000 I have £14,000 saved up, but they need a 10% deposit in 21 days, I am debt free, don't even own a credit card, and am on a good salary. And am a first-time buyer. Does anyone know of any decent schemes or…
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Urgent New Mortgage and 2nd Charge advice please
Hi, I, like many others, am in a negative equity situation (borderline). I have an existing mortgage for £88K and a secured loan with Nemo Personal Finance for £35K. Current value of home is £135K. Total outstanding mortgages is then £123K leaving around £12K to 'play' with. My problem is, I may have to go down the quick…
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Move to fixed?
Hello there, I am new to this and hope that someone here may be able to give me a bit of advice. Last year our fixed mortgage deal ended and instead of re-fixing because the rates were so high, we went onto our lenders variable rate which is 2% above the base rate. It was a risk at the time and I was a bit uneasy about…
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Mortgage agreed then declined by underwriters! Help!
Hello, We've found ourselves in a bit of a palava. After putting our house on the market 6 months ago, we've finally found a buyer. This is all going smoothly and we should be exchanging in the next week or two. As you can imagine, we've been looking at our next step up the ladder over the last month and found a great…
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Should we exit early?
Hi there Looking for some advice (as per!) have a 2yr fixed with nationwide at 6.59% which is due to finish Aug 2010. Our house was bought for £120k in Aug 08 and we put down a 10% deposit. We should have went with a tracker mortgage but we were first time buyers and was an error! Anyways paying £670 a month in repayments…
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Co-operative Mortgage - Not a happy bunny
Hi again Some of you may remember that I recently posted for advice on getting a mortgage. To update; we contacted the Co-operative Bank who my OH has been with for 12 years - had various loans, HP etc from them all paid back on time etc. I however, have only been with them since my bankruptcy was discharged in 2006 - no…
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1st Time buyer - 40-55% LTV - deposit required?
:confused: Hi all I currently live in a house bought by my parents, before they moved abroad, in 2002 for £31500 The deal being I buy it back at that price when I'm finished uni and settled in a job and can afford. I'm in that situation now but havent been able to saved any money for a deposit as yet. I'd like to buy it…
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Mortgage and seperation
Hello all. Unfortunately my wife recently left me for a work colleague of hers. We are getting divorced and are now trying to agree on a financial settlement. I continue to live in the family home. We have two children (14 & 11) and they live exactly 50% of the time with her, 50% of the time with me. Originally she was…
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Adding spouse onto mortgage
Can anyone give me advise on what costs would be involved in adding my wife to my mortgage and what steps I would need to take or when is it best start the process? Just about to remortgage and with my wife being on any future mortgage application may help us be successful in terms of amount which we can borrow (with a new…
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FTB Mortgage on New Build flat
Hi all, I have been reading through the forums with great interest, as myself and my girlfriend are thinking of getting on the property ladder - if we can. Our joint salary is £60k, and we have been told by an independent free mortgage line that we can borrow up to £245k... However, the issue is going to be the deposit on…
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Free standard valuation
Hi I have been looking at various mortgages and could someone confirm to me what the floowing really means? From RBS mortgage product: "Remortgage package included - we'll pay all our standard legal and valuation costs for you" Now what does this "standard" mean? could there be different evaluation costs which I will have…
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First Time Buyer Mortgage
Hi, im currently renting with a friend, but im quite keen to get a rung on the ladder of owning my own home. Ive heard about this first time buyer mortgage scheme. I'd like to try and do this, but im slightly worried that with current debts, i wouldnt be able to afford it. Im paying 360 quid a month off a 3 year loan,…
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Britannia 90% LTV Fixed 5.09%
Britannia Building Society are now doing a 90% LTV mortgage for first time buyers at 5.09% Fixed £599.00 arrangement fee best on the market? http://www.britannia.co.uk/home/_site/channels/mortgage/products/short-term-fixed-rates.html
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Moving house, increasing mortgage - confused!
Our current mortgage has another 3 years to run and is currently 3% (which seems quite good). We are due to move, increasing the mortgage by about £35K. Our current mortgage is portable, but also has a low redemption fee. What is the best thing to do - remortgage completely? or just take out a mortgage for the higher…
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Commercial mortgages for land - is it possible?
Can anyone tell me if it's possible to get a mortgage of say 70 - 75% on some agricultural land with no buildings and no planning permission. The land is mainly pasture with some woodland and a fishing lake.
