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Remortgaging a "non conventional build" pre-fab house?
We live in a 3 bed semi-detached 1940s/50s pre-fab house (i.e. steel structure is visible from the outside on the first floor of the house, bottom half looks "normal", roof is steel also). We have our mortgage with the Halifax and have had since we bought the property just over 2 years ago. We have recently just got out of…
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What will mortgage lenders take as my base salary
Hi All, I want to take out a mortage and am filling in a mortgage in principle form. I'm looking at my pay slip and wondering what to put down as my gross salary. Looking at my payslip my monthly gross salary is £1993. However, about £80 is taken out each month for pension scheme etc. Will mortage lenders look at the £1993…
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Best High LTV mortgage deal...Use a broker?
We need to remortgage and want to release equity, so we can rent the current flat and buy a house in the future. Therefore we are looking for a high loan to value (LTV > 80%) mortgage. And we were considering having an offset so we can have instant access to funds for the deposit on the house. The best deal we have come…
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Variable or Fixed? Through Abbey
Just topping up our mortgage because we are moving up and adding an additional 100k, our current deal is 1.2 above base rate tracker so getting a cracking deal and this part will continue until Jan 2011, these are the three deals they are offering for the additional borrowing: £299 fee 4.24% variable or £995 fee 5.99 fixed…
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Bank of Ireland variable rate
Anybody know what it is or where I can find it online ?
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mortgage with bad credit
I am currently wanting to buy my first home with my fiance, but i dont know whether to try and go for a mortgage as i was self- employed and accumalated bad debt (£38,600) I have been employed now for 18mths and have cleared most of my debt and down to (£10,600) with another payment at the end of this month for (£2100),…
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Mortgages for New Build Flats
Hello everyone Do any lenders do 90% mortgages for new build flats? I can't find one anywhere, they all seem to want a 30% deposit Cheers in advance :)
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Remortgage after Bankruptcy
I live in Scotland. Early next year my bankruptcy term finishes. I still have my house, as I was fortunate to get the equity which would have been gained from selling the house, from a relative. So very fortunate there. When the bankruptcy ends, the fixed term mortgage with northern rock finishes. I don't like my chances…
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porting a MOREgage?
I need a little friendly advice! My husband and I bought our home 3 years ago, the purchase price was 124,000, we used Coventry's MOREgage, giving us a mortgage of 117,500 and an unsecured personal loan of 17,500. Our house is now valued at 135,000. If we sell at this price(?) and take our mortgage to new property, around…
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Can I get a mortgage with my American fiance??
Never going down the simplest road I have met and fallen for an American. He lives and works in London. He has a 5 year work visa and has been living in the UK for 1 year so far. He pays UK tax and everything I have a house and mortgage of my own currently. We are getting married next year would like to buy a home…
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what to do
Hi my first time posting please be gentle with me lol. today I,ve been looking into my Endowment :rolleyes: phoned them to ask what the surrender value would be ? mmmmmm 15,000 owe Mortgage of 34,000, looking at what would be the best todo, think I,ve read some where on this site that I could sell my Endowment and maybe…
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Offer on Repo
Hi, We put an offer on a repo on Saturday. Its advertised at 160k and we offered 150k. We were informed by the estate agent that there had been another offer placed on the property on Saturday afternoon but they werent allowed to tell us the other offer. Just had a call now from the EA to tell us they are trying to get…
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Fixed rate or Tracker.
First post, please be gentle. After 14months finally sold my property, at present have agreed a 4.85% 5yr fixed with Halifax. £995 product fee etc. We move into our new property on the 28th August 2009. As Halifax are our original lenders, they have also offered us a 3.54% tracker for 3yrs. This equates to approx £132.00…
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Buying off of Parents
Hi Can somebody give me some advice about buying part of my parent's house. There is no mortgage on the property at the moment and both my parent's are over 75. I live in the property with them. Is there anyway I can get a mortgage soley in my name for 50% of the property and have my name added to the deeds.
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Northern Rock Mortgages
Hi All, Dont know if anyone can help or has info on my current situation? Purchased current property with my Husband back in 2004 with a 'combined' mortgage with Northern Rock. We have an amount secured and an 'unsecured' loan amount which was used to furnish the house and pay off other debts. This unsecured amount is…
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Declaring old debts
Hi hope someone can help We are about to apply for one of the shared ownership schemes to buy our first home and we are not sure if we need to declare old debts, Years ago (mid 90's maybe) I had a CCJ (at least I am sure I did) against me for non payment of council tax which I obviously paid in full and it is no longer on…
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Northern Rock won't extend my mortgage, only re-mortgage (with large fees!)
Hi all, Have seen all the talk about ERCs, and idiotically signed up for a 5-year fixed last October with Northern Rock. The ERC is 4% for this period (until October 2013) which will be £2800 from our £70'000 mortgage on a £135'000 house. We're looking to move, possibly extending the mortgage to £110'000. Obviously I'd…
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Credit scores and mortgages
Hi all just been checking my credit score with equifax and it is showing as good 442 to be exact, should this be good enough to get a mortgage, it's not my first mortgage and is with the same lender and i've never missed any payments with them.
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HSBC graduate mortgage... no way out!
I signed up for a 2 year HomeStart mortage 2 years ago with HSBC. I paid £6000 deposit on a house worth £101,000 and took out a mortgage for the remaining £95,000. The first 2 years of repayments were interest only at a rate of 6.59%. It will now move on to 1 year interest only repayments at variable rate followed by the…
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What benifits are best for you in a fixed mortgage?
I posted a thread a week or so ago asking what benifits are most likely to swing you for a specific mortgage when the cost of the mortgage is roughly the same. Basically my point was that ERCs, the ability to overpay, specific lenders reputation etc may all play a part in how you decide if the costs are much the same.…
