-
Advice needed please --court date for possession claim
My husband and I took a secured loan out with First Plus that had PPI with it. We cancelled PPI and presently claim for PPI is with the Ombudsman. The adjudicator has found in our favour, however it has been with the ombudsman for a week now for final decision. Our claim was fast tracked because we have fallen into arrears…
-
halifax overpayments
Hi How do you pay overpayments to the Halifax? Would I set up a standing order through my bank or is there an online facilitie similar to online banking where I can see exactley what is owing rather than waiting for the annual statement? Thankyou
-
Can I do this, is there a better way?
Hi I currently am a homeowner with a 149,000 pound mortgage. My grandmother has offered to sell us her house which she owns with no outstanding mortgage for £120,000, the house in question is worth around £165,000. We would like to buy the house, but we do not have any deposit, but we have been discussing this and have…
-
borrowing more on current mortgage to buy another house
borrowing more on current mortgage to buy another house posted this on mortgage-free board but probably should have been posted on here instead! hello there, not sure if you can do this or not so just need some advice.... currently have a mortgage of £15K and our property is valued at £135K by our current mortgage provider…
-
How long do i have to be in my home before remortgaging?
Hi, I am in the proccess of buying a home,it is a cash purchase and i will own the home outright. I am not actually in the property yet and will not have completed for another 4 weeks and my Problem is it needs refurbishment. I was hoping to move in then remortgage straight away to the tune of £30,000 (house at the minute…
-
mortgage protection payment when self employed
If i was to work as self employed for a company would i be able to get mortgage protection to cover my mortgage for unemployment are is there something simular to mortgage protection that i would be able to have. Thanks
-
Fixed rate deal ended, help needed to get new deal.
My mother has a part repayment 60% and part interest only 40% mortgage which had a fixed rate that has just finished AUG 09. Mortgage - £152,000 Value - £225,000 Monthly repayment - £900 I have always rented so am virtually of no use to her in terms of advice. Basically she is looking to change current mortgage and reduce…
-
What is the minimum lease a house has left
to run,that a bank/building society will refuse to lend? Cheers. Mine has 66 years left...and want to put up for sale but,have been told that lenders will not lend to a property with a lease less than 75 years. Is this correct? As my freehold owner wants 3 K to sell it.
-
95% FTB mortgage with Yorkshire Bank
Hi I am a FTB looking for 95% mortgage. Have spoken to Yorkshire bank and they are offering 95% mortgage at 6.99. Are there any other lenders who do FTB 95% mortgages? Also what is the lending criteria of Yorkshire bank. I do not have any CCJ's, Defaults or late payments on my Credit report. I want to Borrow 152K which is…
-
At what point to lenders not look at existing credit?
If I have a loan outstanding less than 12 months? If I have a credit card balance to be paid off in 6 months?? Want to know for Maximum LTV purposes
-
Paying Extra Off a Interest Only Mortgage
We had a part interest and part repayment mortgage with the Nationwide, but due to years of overpayments I got the repayment part down to 5,000. Then finally we came off a 5 year fixed rate and dropped to the Nationwide's BMR of 2.5% :D As my endowment will be thousands short and ends in only about 2yrs, I'm going to carry…
-
Repossession order or suspended !
hi all, recently i have came into difiiculty with my mortgage, my husband lost his job in January, (i hve 3yrd daughter, we tried to pay as much of our mortgage each month, we made regular contact with our lender via telephone, in May we made no mortgage payment due to me getting ssp pay, as i had been off sick with…
-
2 year or 5 year fixed rate?
Morning all:D, I've been offered a mortgage in principle with HSBC as I can only afford to put down a 10% deposit I'm limited to the APR available to me is 5.99% on a 2 year fixed rate until Oct 2011 or 6.25% until Oct 2014 then they drop down to their standard variable rates. Not sure what I will be doing with regards to…
-
Too old for a mortgage
Due to financial circumstances I sold the house I loved and purchased a small property in Kent. Unfortunately from day one I was very unhappy and have moved out to rented accommodation. My son with family is now renting my house. My query is I will never return to my own property but my son is settling there with the…
-
remortgages to raise capital
I have a mortgage of 38000 12years to pay house value 110000plus I NEED 30000 how easy is it to raise that sort of money
-
New Job - Will it affect mortgage?
Please advise if you can! Me and my husband are relocating and have a mortgage agreed in principle. He works for the govt and is simply transferring, i was intending to transfer with my current employer but have been offered a new job similar to what i do now with a higher salary but with a six month probation period. I…
-
chances of getting a mortgage?
I have recently posted another thread where my homebuy dream home has gone pearshape because RBS first approved my mortgage, there was some error in the home reservation form, had to re-apply but this time REFUSED me because of an 'internal marker'. I had defaulted on a loan from RBS 11 years ago but did not go to court.…
-
so stressed...will we get turned down?
Hi Me, my partner and my sister are looking to get a 3-way mortgage next week on a house of around £100,000, we have £20,000 as a deposit and the mortgage we are looking to get is alot lower than what we can afford and what the bank would lend us. I myself have a decent credit history with only a student loan left to pay,…
-
Mortgage Offer - Long Gap between Exchange and Completion
Hello, Was hoping to pick the brains of some of the mortgage experts. (I have searched the forums and not found this question before – apologies if I have missed it). My wife and I have made an offer on a house. We have instructed our solicitors (as has the vendor). We have identified the mortgage we want (Co-op). The…
-
Help! Remortgaging and not sure if we should pay out for fixed rate.
Hello. Any advise/ideas would be MUCH appreciated. We have a mortgage for £164,000 and have been on a a fixed rate intrest only deal which is due to end in october. Due to buying at the wrong time and having no equity in the house we are limited to stay with our current mortgage lender. The mortgage will automatically…
