-
New Buyer - Fixed or Offset?
Hi All, My wife and i are looking to buy a place in London and we're planning on putting an offer in tomorrow. We have a ca. 20% deposit and i'm not sure if the best thing is to fix, or to use an offset? Buying the house will obvioulsy wipe our savings out, but i'm hoping to rebuild them over the period. Is it worth…
-
House Selling
We live in a small development. The developer/builder is sefusing to finish off the roads and drains making it difficult to sell our house. Our solicitor maintains that no lender will grant a mortgage on an unadopted drainage system is this correct. The developer has already put several of his companies into admonistration…
-
Kilmarnock Mortgage Fraud
Being from Kilmarnock myself, the town mentioned, having read about this matter in the local paper as well as hearing many related discussions in my place of work, this topic is of interest to me. Before and after the story broke in our local paper, The Kilmarnock Standard, some of my work colleagues voiced concerns in…
-
10% Overpayment - Opening or Closing balance?
Hi everyone, Just after some clarity on the typical 10% overpayment policy on most fixed rate deals. If the policy allows you to overpay up to 10% of the outstanding balance each year, is it on the opening or closing balance? Thanks Sam
-
Consent to lease
We have just renewed our fixed rate (with a different i.e. new lender), but I have received a job offer from my current company's New Zealand branch. This could be for just a couple of years, or it could be a lifetime who knows. The point is that although I knew of this opportunity before I renewed my mortgage, I renewed…
-
Long term fixed rate mortgage
Hi all. I am just about to finish my tie in and about to remortgage. I am looking for a 10 - 14 year fixed rate remortgage. Where would be the best place to look and any thoughts on this subject would be much appreciated.
-
Buildstore mortgage anyone?
I'm looking at purchasing a renovation opportunity. Has anyone any experience/knowledge of Buildstore accelerator mortgage which advances payments for renovation work? Until last night I had never heard of them...
-
Lenders renting out repossessed homes as holiday lets?
I've been suffering at the hands of buy-to-let landlords. I've been evicted because my previous rental was being repossessed as the landlord had defaulted on the mortgage - my new address has also entered the repossession stages. My question, I was granted around 5 months extra to stay in the address and I've been waiting…
-
Wasted "handling fee"
been looking for a mortgage after inheriting a few bob and being able to put a 20% deposit on a 110000 house. After seeing a IFA he decided that Norwich and Peterbrough would be best for us....5.2% fixed for 3 years They wanted a £100 "handling fee" in cash so paid that and waited and waited and waited after a month I got…
-
Age caps on mortgages?
Anyone in the know as to whether there are any age 'caps' imposed on mortgagees by lenders which might get in the way of remortgaging?
-
best 3 year £25,000 mortgage?
I am looking to get a mortgage for £25,000 and pay it all of on a 3 year mortgage. what is the best mortgage for me? thanks
-
Want to get a mortgage Is it possible now?
Hello Me and my partner would like to buy a house after renting for a few years. We have £25k deposit and we both earn £22k, but our bank would only lend us £147, which would give us £172 to buy something, which in the South East of England is not possible! We were looking to buy something for £220. We are mortgage…
-
Hello to old friends
Hi Everyone, Ive just come back on MSE after almost a year out and I've been posting on the benefits on families boards and DMG24 says my absence has been mentioned so I thought I'd come over here to say hi! Hi!:beer:
-
2.7% above libor
Is this a decent mortgage deal? Cheers
-
halifax overpayment question
im currently on a fixed rate deal with halifax of 6% but that will reduce to 3.5% (SVR) after 31/8/09 when my deal ends. I would like to make a one off overpayment of about £8000 (within my current 10% limit) but will more of the capital be paid off if I wait till the fixed rate deal ends and I go onto the SVR (i.e. after…
-
Switching Mortgage
Hi there, could someone please tell me if I switch my mortgage from an endownment to a repayment with the same lender, is this classed as a remortgage.???Many thanks
-
Ltv
I have just got a new mortgage with Abbey for the purchase of a new property. Some of the loan is being ported and the rest is being topped up with an additional loan. We should be moving in August and by then both loans will be on Abbey's SVR. The property we are buying was on the market for £174,000 and an offer was…
-
90% LTV on New build
Hi does anyone know of any lenders who will lend 90% Ltv for a new build property. I have a 22,000 deposit for a house at £199,950 doesnt help that its a new build, so if anyone can help me it would be greatly appreciated. Coupe
-
Options to help me go travelling
Hi, I'm keen to go travelling in around 12 months time for a period of 12 months. I'm worried about what to do to cover my variable mortgage payments while I'm away. I've a few questions running around in my head which I'd be grateful for some help with, so thanks in advance. I have a cracking deal with HSBC that I've had…
-
mortgage offers and checks!!
we have had a AIP with the natwest 5year fixed 5.99 i was very surprised as my credit rating i thought wasnt the best.Every time we call estate agents to arrange viewings we get the good old "would you like to come in and see our advisor to see if we can save you money". My question is if i agree to go in and see 1 how…
