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Advice please....
:o
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Ifa
I went to see a IFA at the weekend who stated he didn't charge a fee but could only offer mortgages from part of the market - he said there was no such thing as a "whole-market" as some lenders chose not to deal with an intermediary. However, browsing some threads on here, it does seem like there is a "all-market" IFA. Has…
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Abbey deals
Hi guys, I recently took out a home improvement top up on my Abbey mortgage. At the time i left it on the standard variable rate, and thought i would just set up a fixed deal at a later date.I was looking at a deal of 4.99% with no fees over 5 year. I was not best pleased today when i phoned up to make a general enquiry,…
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Remortgaging with a Default
I put in an application for a remortgage with allianze and leicester, I was accepted no bother, even paid £280 evaluation fee, This is my family home and i only pay the mortgage (dont live there) but parents names are also on deeds of house. It turned out there was 3 names on deeds and we thought it was just 2, to cut a…
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Best 5 Year Fixed rate and Offsets?
Hi What are the best 5 yr fixed rate deals on at the moment? Am looking at just a fixed where you can overpay and also offset fixed rates for 5 years. We have 40% LTV rate. Was looking a while ago and am now gutted I didn't go with my instincts and get an offer then as rates seem to be up a bit now :-( Cheers
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Morgage options for shared ownership
Hi, me and my girlfriend are currently trying to buy a flat in a shared ownership arangment and am wondering if any one know of any other options to go with other that wollwich and leeds for up to a 90% morgage. 10% deposit is all we can muster, and currently leeds sems like a real bad deal and woolich seems like they just…
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fixed rate ending....what now?
Hi, I have just come to the end of a fixed rate with Northern Rock. At the time of taking out the mortgage I had £1000 "help with setup" offer, which was to be paid back only if I didn't take out another mortgage deal within 3 1/2 years. This means, I have to stay at the variable rate until Feb 2011 so that I do not have…
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New Fixed Rate Deals for Abbey Existing Mortgage Customers
Hi, all I would appreciate if you could share your experience in getting new fixed rate deal from Abbey for existing customers in last few days. I called them few weeks ago and I was offered: 3 years fixed @ 4.99% 5 years fixed @ 5.49% Thanks.
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HSBC 2 yae fixed Mortgage 2007
HSBC two year fixed rate In 2007 I had an eight-year mortgage remaining. I locked in to an HSBC TWO year fixed rate at 5.79% the fee was £499 Mortgage actually ends May 2015 [has six years to run, back on the variable rate] That two year fixed ended May 2009 at the end of the FIXED RATE period. HSBC instead of returning me…
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Doing my sums
I need help with this one , as someone out there would have gone through something very similar i believe I have an 82k pa income i have a mortgage of 1,72,000 on my property in dorset - but am contemplating a move to swindon . The mortgage is with HSBC at 5.89% interest only at 95% LTV. it was a 3 year fixed and am…
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the One Account
Hi My discounted rate mortgage is soon to come to an end and i am looking to remortgage to an an offset mortgage, as i have quite a lot of savings and the savings rates are now so low. Was almost set to go for the First Direct offset when I noticed the One Account from RBS and their rates seem to be slightly lower. Anyone…
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mortgage deal coming to an end
I have a Halifax mortgage and am shocked to see the amount I would have to pay in arrangement fees if I choose to stay with them. I didn't have to pay for my current rate cos I am an existing customer so when I called to discuss negotiating a new deal, I can't believe that I may have to fork out £1000 either upfront or…
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Opinions please
Hi, I'm looking to move my mortgage and am interested in the Post Office 5 year fixed rate (4.45%). What is the general consensus on this deal? My fixed rate term finished but with the recent drop in rates my current SVR is down to 4.49%. I have a low LTV (less than 50%) and want a mortgage that will easily let me make…
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Refused mortgage - any point in applying for another yet?
We have really been messed about by a co-op bank broker and the co-op bank who kept stalling us saying they would lend but needed more information/paperwork about income. It went over the 90 period and we had to reapply. In 72 hours we were turned down: more than 6 searches on our credit file. I have applied for our…
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notice of correction - worthwhile?
Hi, I have posted before but here's a quick summary of my situation. £56k deposit on a £130k house. Income £38k. However, nasty 5 year old £450 ccj. Settled early last year. Missed mortgage payments from same period. I work away from home and the aforementioned was due to the deviousness/daftness of my ex. This seems to…
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Should I pay a lump sum off my mortgage?
We have an endowment mortgage for £19,500.00 with Halifax that has 2 more years left. Our endowment has an expected shortfall of about £3000.00. We have £10,000.00 savings we could pay off the mortgage now. What would be best, any advise appreciated, thanks.
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Purchasing a house/get a mortage via company?
Dear everyone, I am new here and hope I can learn a lot of informations by sharing. I have got a question in mind but I cannot actually google it. Hope somebody in here would be an expert to help. I am a locum pharmacist, which has just started one year of working and are looking to purchase a flat. My parents will give me…
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ERCs.... the second 'collar'
My lender has a policy of allowing only 10% capital repayments in any one calendar year on fixed rate mortgages. Any further payments would trigger swingeing 'early redemption charges'. I gather this is not uncommon. I wonder how much profit is made via this fairly tawdry strategy. The lenders try to have it both ways with…
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How long do we have to wait?
Hi, we applied for a remortgage with the abbey , we are currently with halifax, we applied about three weeks ago ,and we are still waiting for an answer , they are saying that they have not done the credit search , and were supposed to ring us last tuesday but we still haven,t heard . is this normal for abbey , i really…
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First Time Buyer - Mortgage Advice Please
Hello, My girlfriend and I have recently found a property that we are highly interested in and keen to buy. The house was originally up at £162,000 and has been on the market for 18 months. The house is currently priced at £135,000. I understand that with the current climate - a 10% deposit is an absolute minimum, however…
