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Buy to let
Any good buy to let mortgages about. Ones that won't go through the ceiling if the interest rate goes back up again?
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A really daft question - re getting a mortgage
My OH and I have had an offer accepted today on a new build flat in London. :T But we now have an awful problem. :o The agent leading the sale has suggested that we talk to a mortgage advisor he could recommend - so with our sceptical heads on, we have. We were working our finances and getting a mortgage using a 15%…
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What's considered a good mortgage rate these days?
I'm trying to help a friend who's looking to re-mortgage to get a good mortgage rate. She's in a very strong position as far as a mortgage company would be concerned. Secure (public sector) job, 50% equity in her house, 2x salary needed. She was looking at fixed rate mortgages but they all seem to be around 6% for five…
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Mortgage in Scotland
In Scotland, is it more common to speak to lenders before, or after looking for a property? I know Scots law is different for many things but unsure about mortgages. Thanks.
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Going it Alone
My wife and i recently seperated with only 5 years left on the mortgage. my question is this. My mortgage is due to be renewed in November, i still live in the family home with my son. I should think i will be going it alone with the next mortgage and i'm worried, will i be able to get one on my own? Will i be able to…
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Adding partner's name to deeds?
Hey Guys, We're in teh middle of buying a house but my partner is going back to uni so the mortgage is in my name only, as i wanted to have hte mortgage at an affordable rate so i can pay it whilst she is still in uni, as opposed to borrowing more using both our names. I want to add her name to the deeds, but i dont want…
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Quick HIP Q
Hello, A HIP has been prepared for the sale of our house, I have access to the online tracking service and it shows the following: "Emailed STL for update on LE." Does anyone know what "LE" is? STL is most likely someone's initials but I have no idea about "LE".
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Reattribution payment by endowment co.
I have 2 years to go on my 25 year endowment. It started out as Norwich Union, then went to CGNU and has now been taken over by Aviva. I am being offered a payment for 'reattribution'. The amount is small (a couple of hundred pounds). The blurb says that all my existing agreed eligibility criteria remains the same. My…
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Remortage or stay on SVR?
Hi all, This is my first post so be gentle! My mortgage is currently with the Abbey on their SVR of 4.24% (owe about £104k) and I reckon we've got between 60-75 LTV. I like the idea of a 5 year fixed deal so my question is this: do you think I should stay on the SVR for a while and see if fixed rates come down a bit or do…
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FTB - 90% mortgage wanted on a £139950 house!
Hiya all, been doing some research into mortgages and Martin's guide suggests asking for advice on this board too so here goes:* My husband and I are first time buyers * Our combined income is approximately £51k a year - (I'm a junior doctor, hubby is a civil servant - both permanent jobs) * The house we want is in south…
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probation period in new job holding up mortgage
Hi, I am just about to start a new job. Having spoken to a couple of mortgage providers it seems they will not grant us a mortgage until my probation period has ended. We can not wait this long. Is there anyone who will not mind I am still in a probationary period? Many thanks
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Ray Boulger: Are tracker mortgages now offering better value than fixed rates?
From Ray Boulger's blog, (on the Charcol website), posted 15th July:
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Chelsea - Mortgage decision timescales?
Does anyone have experience of the turnaround times for mortgage applications with the Chelsea? Im an existing borrower, porting my current mortgage and taking out a 2nd part to increase the borrowing. My partner will also be added to the mortgage. No adverse credit etc so assume (famous last words) we're looking at credit…
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remortgage valuations
Hi all Am currently on A & Ls standard variable rate but am in the process of remortgaging to Britannia on their 2yr 5.49% fix for 90% LTV. Was concerned about meeting this LTV but I've just found out their valuation was higher than I thought, and in fact it puts me at 85% LTV. I've asked A & L what they would offer me…
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Standard Variable Rate
Hi all :) I moved into my flat two and a half years ago and was on a fixed rate for the first two years. When the fixed term ended i just let it go onto the Standard Variable Rate and since all the drops in the base rate i'm now paying about £60 less than when i was on the fixed rate. However, I'm not sure whether it's a…
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3 or 5 year fix?
We are about to get our first mortgage. Have decided not to go with a tracker as the BOE rate can only go one way and we don't want to get used to a cushy rate and then get a nasty shock in 18 months time. So we can either go for a 3yr fix at 4.39% or a 5 year fix at 4.80%. The difference between the rates might seem…
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Can somebody explain these deals... have I missed something ?
Looking at offers to extend my existing mortgage from my current lender (C&G) in order to buy out my ex. Found these on their website. 4.69% Fixed until 31 October 2011 2.50% for the remainder of the term 3.0% APR £495 Yes until 31/10/11 4.69% Fixed until 31 October 2011 2.50% for the remainder of the term 3.0% APR £995…
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Mortgage advice 15 or 25% ??
Hi Ive currently been accepted on a propery im after the price is 267500, my current finance situation is im self employed 207-2008 51k profit my parters employed on 20k salary my debts bank loan 7000 150 a month car loan 5800 175 a month boiler on buy now pay december 3000 partners debt 18000 car 5 years at 370 now my…
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Help!!!!!!!
Hi All, Very desperate and i am hoping someone can give me some good advice. My ex partner and i bought a property together through N Rock in june 07 , on a together mortgage with a unsecured loan of 23k. Found out i was pregnant in nov 2007 1 week later i was made redundant, my ex left when my child was 1 week old but…
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Please help!!!60% equity;our house not yet for sale;seen house we love on market NOW!
I know this is going to be a strange post...although perhaps someone else has wondered/asked the same question???Long shot but here goes.... If we wanted to buy a house quickly (for which we'd need to get a large mortgage) is there any way forward, or would we need to do the sensible thing (!) and put our house on the…
