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What sort of employment would be considered for a mortgage?
I thought I'd post on here whilst I organise an appointment with a Mortgage Adviser - see what the masses say! I have a strange work situation and I don't know whether I would get laughed at if I approached a mortgage lender! I currently have 3 contracts (jobs) within 1 large employer, they are as follows: Job 1:…
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"Building soc. solicitor's fees" on mortgage redemption
We recently (2 weeks ago) moved house, and on our solicitor's completion statement noticed a charge (by the bank HSBC, not them) for about 172 pounds. This is for "building society solicitor's fees". We were redeeming an HSBC mortgage, and taking out a new one from the same bank. Infact it was during a fixed rate - but…
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anyone dealt with Clydesdale bank?
Has anyone dealt with the Clydesdale bank for a mortgage or know their general criteria? I am a FTB and looking into a new build flat.. Also does anyone know that if I go into to see an advisor about a mortgage can I let them know that I am looking to pay off certain credit commitments prior to the mortgage being processed…
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has anyone ever renegotiated their fixed rate??
Hi can't remember where i heard about this probably from martin, it was someone saying that it is worth approaching your mortgage lender (mine being nationwide) and ask for a rate cut on the fixed rate that you already have, apparently some have asked and have got a reduction, is this true and has anyone done it ???? mine…
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Yorkshire Bank - Anyone know.....
Yorkshire Bank approved my mortgage application in principle. They have taken the arrangement fee and are sending out the Surveyor to the property Im hoping to buy. Does this mean all the checks have been done on me and my mortgage will be sorted,or after survey, do they do more credit checks etc.... and may still decline…
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Nationwide Mortgage deal ending soon... HELP
Hi all I was looking for some advice because I'm not sure that I have this right. 2 years ago we took out our first mortgage with the Nationwide, we took a 2 year fixed deal at 5.88%. (paying £678 a month) We are now approaching the end of this deal and according to out documentation we should revert to the Nationwide Base…
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Virgin one account
Hi, Im new here so go easy on me:p My current and particularly crap mortgage deal ends in November and although it is still some time away im on the hunt for the best deal. Our house is worth 110,000 and we owe 103,000 currently on a 6.23 fixed rate til november with alliance and leicster. Looking around on different sites…
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Buying a new build house
Hello, this is the first time I've written a forum thread, but I'm in need of some advice.... My husband and I have just sold our house and we have spotted a fantastic new build property that we really like and would be ideal for our future (starting a family, getting a dog, etc). However, when I phoned up our mortgage…
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2 or 5 year fixed rate on additional part of mortgage?
I still have 10 months left of my existing mortgage (approx 80k at around 5.8%) and will be moving it across to a new house - leaves me needing to take an extra approx 60k to top up the funds I need to buy. I'm torn between fixing for 5 years (at 5.05%), *or* taking a 2 year fixed (at 3.75%). 5 year fix gives stability -…
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Interesting rates
hi to all, with the base rate being at 0.5%. you would have thought the interest rates at the banks would be low.however these are slowly creeping up.a few weeks ago fixed rate mortgages were around 4.39%. shopping around and ive realised theyve gone up to 5.39% at the cheapest. i personally reckon people are panicking…
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New customers and Existing Customer Deals?
Hi All, I'm just ending a 5 year 5.59% fixed deal with A&L at the end of August. I'm going to gamble on interest rates staying reasonable for the next 2 years and go on a tracker which will save me £200 per month whilst rates are their current level, so I can pump this into clearing a debt I have over the next couple of…
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Mortgage worry after relationship split.
Hello all. Any tips or advice on the following gratefully received. After 7 years my partner decided she wasn't happy, and has left the house we have a joint mortgage on, which we bought 3 years ago. Her parents 'gave' her £15k as the deposit. And she obviously wants this back. Trouble is, like many others, there will be…
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What to pay off first??
Hi Me and my hubby bought a house from Bryant Homes using their offer of a mortage for 75% and the remaining 25% is to be repaid after 10 years. What we want to know is are we better paying off more money than our regular monthly payments on the mortgage for the next 10 years and then remortgaging to cover the 25% or…
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Getting a mortgage before or after Probate is granted?
I am sorry if this has been covered before but I could not seem to find the thread that relates to my question. My Dad has left his house to both my sister and I and I am in the process of trying to get a mortage to buy her out (freehold flat - nightmare to get a mortgage!). My problem is that the Probate solicitor is tell…
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First time buyer 95%
I need a first time buy 95% but cant find a lender who is willing to lend with it being our first time. They will lend us £250k with the right deposit but all i need is £150k. Point me in the right direction please. Cheers Craig
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Post Office Mortgage - Anyone got one or has experience?
I've just had an offer of £242500 accepted on a house. We are first time buyers with a 120k deposit and we are looking for a 5yr fix. The post office seem to have the best deal at 4.45% The only thing that concerns me is that you have to apply either online or by phone. For something so important you would think that a…
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What to do with Cash Lump sum?
We are lucky enough to be getting a lump of inheritance money soon. (Roughly £45 ). We thought we would pay £15,000 off mortgage (10% of 150,000 outstanding. Then £15000 to clear credit cards. The remainig £15,000 was going to be a toss up between new car or putting it in a high interest saving account until next year when…
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Cash in or keep Standard Life endowment
Hi Any thoughts on this much appreciated.. Thanks in advance. Should i keep or cash in there is mortgage promise there but would it still be valid if not linked to pay mortgage off. endowment no longer linked to mortgage as is now repayment however mortgage was for £23250 Plan Type : Minimum Cost Plan (80) Current…
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Find me a mortgage
I built a house at the end of my garden, I even managed to sell my original house. I now just need a mortgage to clear my bridging loan (29% APR) and credit card debt. Trouble is my credit rating is almost the same as Robert Maxwell (long story) and no one will help. My loan to value will be approx 50% and my income from…
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End of fixed rate..95%LTV plus attached Loan
Hiya, I have a 95% LTV Alliance and Leicester Plus Mortgage (with the other 5% being a 25K loan) that is coming to the end of the 2 year fixed term.. I'd really like to re-arrange to get another fixed term deal as I need to know the same money is going out each month as money is very tight... is there anywhere offering…
