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90-95% mortgages, do they exist??
£7500. . . . thats what deposit i have at my disposal, most houses im looking at are around £95000, do i have to save some more pennies or is there such thing as 90-95% LTV, and who??
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Ive got a mortage but how do I transfer it to new property? advice needed please
I dont have a clue so would be grateful if someone could explain how this works. Ive a mortgage and want to move houses, do I need to sell this house pay off the mortgage and get a new mortgage on the new property OR can I transfer the mortgage to the new house? Thanks
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Mortgage explanation pleeeease?
Hi all, My mortgage is currently on a fixed rate at 7.19 and the lady at GE has just advised me that the fixed rate ends 25/10/09. She explained that depending on what happens to the base rate my payments could potentially go up or down. I get that, but not really sure how the base rate is tracking at the mo and what the…
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Porting mortgages - First Direct
Hello, My first post but have seen there is some excellent advice on here so hopefully someone can help me out. We have a First Direct lifetime tracker offset mortgage at 0.98% above BR which is obviously a good deal. Now, we want to move to a bigger house and we would really like to keep our current property. Several…
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Normal Mortgage or buy to let?
We want a mortgage to buy a house as an investment. Our daughter will live in the house and will pay the bills, she will not pay the mortgage. We have been advised to give her a tennancy agreement. What type of mortgage do we need? This will be a home for our daugther and we have no intention of renting it out to anyone.
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Incorrect Property Details
Hi there, I'm posting this on behalf of my partner. We have recently being trying to get his name removed from a current mortgage with his ex but in the process of this it has become apparent that some details on the mortgage agreement aren't correct. The mortgage was bought as part of a shared ownership scheme with a 50%…
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Bad CreditMortgage - first time buyer
Hi Hoping someone out there can give me some advise. I know I have bad credit, It is all paid off now except for a loan from a bank which has 5 years to go. I have tried a couple of mortgage people of this web site a few years ago, I could get a mortgage, but obviously this will be more expensive. I would need £80,000,…
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Do you work for Sterling credit?
If so please get in touch. I will give you £3000 cash if you wipe of my secured loan from my property for just updating a few details on the screen to show its paid. i know its a long shot, worth a try, get in touch. thanks
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Buying into an existing mortgage
Hi, I have just moved home after qualifying as a doctor. I am going to be staying at home for the next two years while I do my foundation jobs. As I will be paying rent, we were wondering if it is possible to buy into an already existing mortgage that has only a few years left to run. Advice from anyone who has done…
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working out endowment payouts???
Hi. Not sure if I am in the right place but it is about an endowment insurance but not linked to a house or property. It is due to mature in April next year but I wondered how payment on these things are worked out. It says with profits but not sure what that means or even if it means anything these days. Is there a way of…
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Barclays/Woolwich customer service
Currently in the middle of a mortgage application with Barclays and they are bordering on incompetent. They have been trying unsuccessfully for over a week to send out mortgage papers for me to sign (wrong address/letter not actually posted/admin error etc). Has anyone had any poor experiences or have any advice on how to…
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Hi there, yes you up there ... Advice needed please
My Mum and Father are going through a divorce, my mum lives with me, she has no assets. I'm unemployed and the interest is paid on my mortgage through my JSA. However, my father has paid the shortfall until now but according to my mum's solicitor his assests are going to be frozen. What do I need to do to make sure the…
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Repossession in Scotland... after Notice of Ejection
Okay guys, I'm in private rented accommodation but the word 'Repossession' has been a huge part of my life for over a year now. But that's not for now. Repossession in Scotland is what I'm looking for advice on. My last flat was being repossessed on 13th Feb (Notice of Ejection stated the 13th Feb). The letting agent got…
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Mortgage / Transfer of equity help
Good Afternoon, I have been recommended to this site to see if I can get any help... Me and my partner and looking to transfer a mortgage into both our names, the mortgage is currently in her and her ex-partners name. a little background info, when she bought the house it was in the middle of the house price boom and…
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Northern Rock Borrow Back
Hi All, My first post here !! I have read the other posts on Northern Rock changing their criteria with regards to their borrow back scheme and was just looking for some input. I paid £400,000 off my mortgage earlier this year. I knew that I would need access to these funds later in the year so I spoke to Northern Rock…
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Best HSBC deal ?
hi i have been offered the following from HSBC and am struggling to choose would appreciate any thoughts if you have them ? 2 yr discount rate 2.49% costs £249 + pay for valuation £221 Tracker rate 3.59% no costs 2 yr std fixed 4.09% no costs 3 yr fixed 4.74% no costs 5 years fixed 5.3% no costs i have worked out the 2 yr…
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Mortgage mis-sold / bad brokering?
Hi, Can you help advise on this situation? Last year having failed to sell our flat and buy a house we decided to buy a house anyway and rent out our flat. Our broker phoned around and some lenders said they could help finance it all. So we were after a new house purchase mortgage and a re-mortgage on the flat to release…
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Saving Money by Transfer of Equity
Hi gang, Our residential mortgage is up for renewal soon and, obviously, we want to get the best deal possible. The current mortgage is jointly in my wife and I's name - however, we are both a little concerned about our job security at the moment and aren't earning as much as my Dad. I was thinking about transferring the…
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Where to get a 90% mortgage from>?
Hi, We are putting the house on the market in the next few months, but before we make that step i need to make sure we are able to get a mortgage that will fill our requirements. Our current mortgage runs out in November and they are now only offering 75%ltv. As we want to move, we dont want to renew the mortgage with them…
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Mortgage Advice
I am with the Bank of Scotland; My tracker rate has recently come to an end and I have been placed on a SVR. I attempted to go onto another tracker rate with them. However, I was informed that I was not eligible for their other discounted rates because I was on a self cert mortage. Being on a self cert mortgage limited my…
