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Mortgage transfer
I rent a property with my partner, my landlord has asked if we would like to take over the mortgage, as he is suffering from financial hardship and needs a lump sum of money. His offer is this: He adds our names to the mortgage, we pay him a lumpsum of 20-25k (yet to be decided) we then get a solicitor to draw up a…
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Abbey help!!!!!
Hi, hoping someone can help before i losr the plot with ABBEY! I am an existing customer for Abbey and paid my mortgage always on time etc, i have a credit scoree of 999 and so does my partner. We are told based on our earning we can have a mortgage up to £550k!!! We dont want this at all and applied wll within our means.…
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Advice needed regarding mortgage and buying parents house
Hi, i wonder if anyone can help and give me some simple advice that i can understand. I've been doing lots of reading but i'm getting confused, its a minefield out there. Scenario. My parents are retired and still owe approx £60,000 off their mortgage and are coming to the end of their mortgage term. The property is worth…
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Remortgage advice
Evening All, I know its a bit early but with the current situation in the markets I would like some advice about my mortgage. I purchased this property through bovis homes on a 'Jump start' shared equity scheme (75% mortgage - 25% loan from Bovis). This december my mortgage is due for renewal on my property which has…
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Fixed/Tracker/Variable?
We're just looking to remortgage after being stuck on a relatively high interest one for the past 2 years (5.99%). Whats the best one to go for these days in the current economic climate? We've always played it safe and gone for fixed. :confused:
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advice needed urgently please
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2 mortgages, which one should I pay off?
Hello, I've got an interesting question. I currently owe approx £100,000 on my mortgage of the flat I live in. But the wife and I are looking to move into a house in a different area and let out this flat. Now then, my mum has agreed to lend me £100,000 to pay off my mortgage on the condition that I pay her back when I…
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Tranfering a mortage???
I am selling my house and buying another, i have a mortgage. I would like to know if anybody know that if my mortgage is going to be the same if i need to reapply for the mortgage if i am staying with the same lender or can i simple transfer it over to the other house as long as the lender is happy with the house i want to…
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Self-employed and returning to the UK: need a mortgage
Hi, We have lived in France for the last four years and are returning to the UK, where we would like to buy. We have a buyer for our house in France, and hope to be able to put down a 20% deposit on a house in the UK. The hitch is that I'm self-employed. I've had solid income in each of the last three years, but of course…
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Valuation report, can it be issued to another bank?
Background is I have a valuation from e-surv for my property issued to a bank A, however due to better terms I have been going through another application with bank B and they will also use the same surveyor (e-surv). Can the valuation be reissued to bank B without occuring a full vaulation fee? Anyone sucessfully managed…
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Gifted Deposits
We are in the process of purchasing a new home but do not have enough equity left in our home to put down as a deposit for it. We have been told about "gifted deposits" where the seller agrees to give you the equity left in their property (but no money changes hands so its just words really!). We have had a meeting with…
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Endowment claim- first stage rejected by IFA
Hi, advice please from other people who have gone through this procedure, my first mis-selling letter to the IFA who provided our then CGU endowment (now AVIVA) has come back from them saying they disagree with it being mis-sold. I used the template letter. I however still stick to my guns, as it was def sold to us with…
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Mortgages With 20% Deposit
As the title says. What mortgages are available with 20% deposit that do not need us to jump through too many hoops!!
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Help to get Rid!!
Hello I would appreciate any help and advice on the following. I currently own a house with my ex partner we have been seperated 6 months now and have both moved on. He currently lives in the house with a mate as i couldt afford it on my own and couldt get a lodger to help me etc. I currently live back at home. Well…
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1st time-buyer looking for abit of advice
Hello there, Well i am a first time buyer who is trying to get on the property ladder but unfortunately i am getting a little confused at the range of mortgages and processes of it all. I have been reading through this forum and have been researching as much as i can from other online websites but i think i am getting a…
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Advice re deposit
I am buying a property on my own, mortgage approved and offer accpeted. Surveyor viewing property this week. I have a deposit of £6600 which is made up of £1600 from my parents and £5000 from my partner (Which is a loan to me). The £5000 my partner has loaned me is itself a loan she took from a work Credit Union.By the…
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1st time buyer but no proof of income
Hi there, My first post, so be gentle with me! So here goes... I'm looking to buy a property with my other half. I've just graduated, I'm a dentist, and I have signed a 1 year contract to start work in Aug 09. I have no proof of income at the moment, but have always paid off my credit card bills in full and on time. My…
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Silly question?
We're trying to buy our 1st home and come out of our rented house but there will be a 2 week cross over when we will have our rented house and our new one. Our rent comes out in advance of us living there for a month, will the mortgage come out AFTER we've lived in the house for a month? I don't think I've worded the…
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IVA FINISHED thank god "BUT"
Who out there will give us a mortgage come on people we are in a far better situation than 99% out there we have no debts cars paid off and near to £3000 income between us evey month or shall we just go on holidays ................ All we want is our own home surely someone could take the risk (there isnt one ) even if we…
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endowment mis-selling
hi. i had a rejection letter from ifa's regarding endowment mis-selling about 5 years ago. my fault - i wrote a really c**p letter. was never told about possible shortfall, honest! anyway, if i've already been rejected can i submit another complaint letter (using martin's template) or is it the end of the line?…
