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Abbey decline to port my portgage
Hi folks, First post, but I've been encouraged by the assitance and advice given to others over the last few months that I thought I'd finally join and seek some invaluable advice. I've been with the Abbey for 2 years and I have 3 years left on my 5 year fixed rate deal. Currently the mortgage and my house are solely in my…
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Awaiting decision by Yorkshire Bank
I went to the Yorkshire bank to apply for mortgage yesterday. All went ok and advisor said shouldnt be a problem and everything went through ok. She said, as its a 95% mortgage, it had to go to their HQ (or similar) for approval, what do they do with it?
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Overpaid my overpayment 0.01. Please tell me this won't really cost me £3500.
I've been a fool, my mistake etc. We've been overpaying the permitted £499.00 per month whenever we can. Last month I took my eye off the ball and paid £500.00 by mistake. We're actually allowed to overpay £499.99. I've only just noticed it on my bank statement. We're with the Britannia who have (so far) been really decent…
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Advice Please-I need a morgage lender but I have a default. I have a 10% deposit..
Help and advice is very much appreciated.. I am looking for a mortgage but I have a default on my credit account.. The house I want is £60k and I have £8k to put down as a deposit. My mortgage advisor is on the ball but today a lender has said the default is a problem and will not lend to me. He will try some others…
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Wanting to move: Excellent credit rating but no deposit
Hi I suspect I already know the answer, but... Does anyone have advice for a couple who couple who really want/need to move from a flat to house, have a very reasonable income, excellent credit rating but no deposit due to the recent market drop - we brought with a 100% mortgage in April 2005, and the markets have returned…
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Mortgage with my credit rating, HELP!!!
I wish to obtain a mortgage in this current market in September. I am buying flat of my mother which has been valued at £170. They will sell to me for about £140,000. Meaning I will need a small cash deposit, if they consider the discount from my mother. However I am worried I will be rejected, I have very little in terms…
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3.89 fixed for 3yr or 4.44 fixed for 5yr?
Hi All My existing 3 year 4.74% fixed rate mortgage with Britannia comes to an end in September. The amount remaining is around £140K with 22 years left on it. They have offered me a 3 year fixed rate of 3.89% with only £599 fee. Looking around I have managed to get a mortgage offer for 5 year fixed rate at 4.44% with…
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To fix or not to fix
I've just finished a fixed rate and I'm really pleased to finally be on a tracker paying .99% above the BOE. Today I opened an offer letter from my lender offering me a long term fixed deal of upto 20 years @ 4.79% or 4.99% dependent on my LTV. There are no reservation fees, no product fees and no tie in period so no early…
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EIII Replacement - beware!
if your EIII European medical card has run out and you need the new and exciting EHIC Card so you can access medical treatment when you are abroad DONT fill in the first form at the top of page 1 on GOOGLE ehic.org! UNLESS you want to pay £9.95 for the privelige........ The form is available on the NHS website free! as it…
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Painfully slow Woolwich application
My husband and I are 5 weeks into our Woolwich application. The valuation was carried out within a week of getting the AIP but since then they have asked for numerous documents in peace meal fashion. As one example, they asked for my husband's bank statement showing salary being credited and said they didn't require mine.…
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waiting for lease??, how long usually?
Hi there, My flat purchase is going through lovely bar one thing! I received my offer of loan from NatWest the other day, that was sent back to the solicitor and they received it yesterday. They also confirmed to me that they have the contract from the seller. Searches was done 2 odd weeks ago. We are waiting for the lease…
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Most cautious lenders?
Hi everyone. Looking for a bit of info here. Who do you think are the most cautious mortgage lenders? Who would lend least to someone with a big deposit but low income? Who would lend most? Who takes into account lots of extra income - child benefit, tax credits, etc? Who only counts actual salary? Thanks very much.
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timelines with buyign a house- pls help!
Hi, Please help as am very confused. We have just had an offer of 195k accepted on a new flat. The estate agents say the builder wants a 1k reservation deposit within 24 hours as they have taken it off the market - this will go against the deposit. We called up woolwich mortgages and they say they will processe the…
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Mortgages - names on deeds etc
Hi, Just wondering if someone can help me. My boyfriend and I are buying a flat - we are going on his wages along and applying for the mortgage in his name as I have some bad credit history (just under 5 years ago but will still effect application!) Can my name go on the deeds still? Thanks A
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Negative equity and options..
Hello all My Mortgage with Halifax is due to come to an end at the end of June. It was fixed for 2 years at 4.99%. Bought the property (flat) for £220,000 now worth around the £200k mark.. Their house price index valued the property - £165,000 :huh: This is definatley way out as i know a flat in the same block in moderate…
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Mortgage Tables and First Time Buyer Help
Hi, My girlfriend and I are looking to buy our first house. We have a £20k deposit and are looking at properties around £135k. Are there any tables or calculators that show the best mortgages available for us? I really dont know where to look or start. Also is it worth me using a broker or going direct? Thanks Barry
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Mortgages for Foreign Nationals (non-EU)
Hi there. I am a foreign national (non-EU) working for my own Ltd company. I'm working under a Tier 1 General visa, which is has just been extended for the next 3 years after which I'll qualify for permanent residency. Can anyone recommend a good mortgage lender/broker for foreign nationals? Thank you.
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remortgage - does this look ok?
Hi, We are about to re-mortgage for the first time, just wondered if any of you might cast your eye over this to check it looks ok. We are currently on a 3 year fixed rate of 4.99% with A&L. I thought this expired in Feb 10 (ie 3 years from when we bought) but I have just realised it expires at the end of Oct this year. I…
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Interest only Vs Repayment
Hi, I am currently in the process of buying a new house and am currently deciding what type of mortgage to go for. I am currently with the one account and have a mortgage agreed in principle for the new property. I am currently undecided about whether to continue with this product or look elsewhere.. My current position is…
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Remortgage with change of names due to break up
I am currently on a NR together mortgage, in May 2006 I purchased a house for 84K with my ex partner and we took 100K loan in total. The fixed rate on this ran out and I am now on their SVR on interest only as when my partner left I could not afford this. Circumstances have now changed and with a bit of a push I could…
