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Barclays Offer (3.99) now not given as I have lost my purchase, Is this correct??
I had an agreed mortage offer from Barclays valid until the 27th October 2009. It was FR for 4 years at 3.99%. My seller is now unable to sell the house to us as she has lied about her outstanding mortage. She owes 20,000 more than the purchase price. (we found out on the day of exchange). We have since found another…
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First time buyer, please Advice.
Planning to buy a property costing £150000, for which I am planning to go for 90% mortgage (that is around £135000). Today I got a quote from my bank of 5.99% for 2 years fixed and a 3.94%standard variable rate afterwards OR 4.59% of Tracker rate. Could you please advice me, is it the good rate in the current market? Is…
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Any mortgage brokers care to PM me?
I have a house with a 70% mortgage (3x income) and enough savings to pay this off the mortgage which has a tie in until next March 2010 and a good rate. I want to move to a new property of currently similar value but then spend 100k on improvements. AS the new house would not be habitable during the time the improvements…
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Roughly how big a mortgage do you think I can get?
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petition for extra funding to be released by Govt for mychoice homebuy
petitions.number10.gov.uk/Homebuy/ please pass this on we need as many names as possible
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Credit rating and mortgages
Hi there, I am looking to take out a mortgage with my girlfriend. Having checked my credit report I have a rating of 999 with experian, which I thought was great news, as Britannia, whom we a re curently looking at for a mortgage (with 15% deposit), use Experian to varify the claim. However I have also been told that…
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Financial advice for first time buyer
Please could someone give me some advice for my daughter. She is 21 years old and wants to apply for a mortgage with her partner who is 23. They have a combined income of £35,000 (£18,000 my daughter) and the house they are thinking of buying is £123,000 and they have a suitable deposit. My question is this:- * My daughter…
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scam/legit?
www cmfamilyloanassistance com This website claims to be able to be able to get 'qualified offers on your loans' in exchange for some personal info. The website is pretty basic and really doesn't have much to say about the company so I'm a little wary of giving them my details lest I be inundated with junk spam.. anyone…
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Mortgage for next house
Hi, In the next few months we are after putting out hose on the market to move up the ladder abit. Our current figures look like this: Current house roughly = £144k Join income = £50k Current mortgage = 109k Car loan = 10k C.C (on 0%) = 3.5k Looking at spending about £190k...... Are we likely to be able to borrow that…
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How do I get my house valued?
Firstly apologies if this is a stupid question or has been answered before (I did a search but couldn't find anything that specifically answered this) Our fixed rate is due to end in October, and I would very much like to get onto another fixed rate but understand this could be hard if we don't have enough LTV due to the…
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Using equity in another property to get a mortgage
Hello everyone This is my first post on here, Ive been looking for some answers to a few questions regarding getting a mortgage, i want to be fully equipped with the facts before seeing a financial adviser! Anyway to keep it brief my situation is this. I/we a first time buyer with £4k in savings Me and my partner want to…
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Valuation coming up....tips please!
Having a surveyor round to look at the house in a bit to hopefully get a First Direct remortgage (3 years at 3.89%) We have done a lot of work on the property over the last 18 months or so but are aware that as we bought for 477k in Sept 07 we will be taking a big hit on the value. We need to try and get a valuation of…
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Mortgage for FTB - Lender Problems
Hi, me and my partner are in the process of buying our first house together and did all the research and thanks to Martin had a good idea of what we needed to do. The problem we have is that we used a whole of the market broker who didnt charge a fee but it has now been 11 weeks since we sent off the paper work to the…
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Transferring a mortgage question
I have a great 5 year fixed deal offer on my current property (due to complete the re-mortgage is the next month or so). However, I'm also considering moving house but dont want to lose the offer on my current property. The 5 year mortgage is portable so thats fine if I sold my current property and then moved to another…
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Repayment Holidays, implications
Hi, I have a mortgage with C&G for around £80k, paying £850/month with around 10 years left on the main part of the mortgage (figures are rough). We are considering a repayment holiday for possibly 4 months to pay some other things off and reduce our monthly outgoings. Problem is that C&G are unable to tell me the back end…
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remortgage to get a better rate
Hi 6 months ago we took out the only mortgage we could get our hands on as we found a house we really wanted. It was halifax fixed for 3 years at 7.49 % with only 5% deposit. After browsing on the halifax website I have spotted that there are mortgage deals for around 5.10% with 5 % deposit. Would there be any chance of…
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Why do mortgage companies need to see bank statements
Hi all, Sorry if a bit of a rubbish question but would appreciate some advice. In the process of applying for a mortgage at the moment and bank want to see 3 months' bank statements. Is this just to prove that there's regular income going into it or are there other reasons for this? Thanks
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fixed or tracker with 10% deposit??
Up until a couple weeks ago the best deal we could find on the market for 10% deposit was 5.99% fixed for 2 years and £599 fee. But now hsbc are offering a tracker at 4.59% / £999 fee. I worked out over the two years we would save up to £2600 if we went with the tracker - and up to £125 a month, and the base rate would…
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Getting a new mortgage
Hello, I hope someone can give me some advice. I am splitting up from my husband, and we have a mortgage on the house. I know we need to get a valuation before we sell, or he buys me out. I need to know how much mortgage I can get to buy a place on my own, and have got a vastly different quotes from various internet…
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Remortgage Advice
I asked previously about student mortgages and thanks for the info but now I have further questions for you guys :D Will banks count a student loan as part of my income?? I will be looking to (hopefully) remortgage next year and I will be back at Uni, so my income will be from my student loan, my 2 part time jobs (28…
