-
Positive Equity and Re mortgaging
<removed>...
-
RBS v Halifax - Advice
Been going through the whole process of applying for a Mortgage on the homebuy scheme. Initially our mortgage application went to the RBS. To get on the homebuy we had to have the agreement in principle, wish we got no problemo, infact RBS said based on the info they had, credit checks etc we could lend £154000, nice as we…
-
Debt free, bad credit rating - unable to get a mortgage...
At present looking for a mortgage, I am debt free but my bank will not give me a mortgage as I have a bad credit rating...How do I overcome this problem??? Would appreciate any advise to overcome this problem....
-
Term Assurance
Hello all, firstly I apologize if this is a naive question but I'm not very money minded (hence this site is a god send). I took out a mortgage in 2001 and was told at the time that I had to get Term Assurance in case of critical illness. It's costing me almost £250/year but I'm not sure I need it. Is it right that it…
-
Applying by post or branch
Hi, FTB Looking at a fixed rate mortgage from Abbey (have found brokers are not getting better results than going direct).Is there any advantage (speed wise) in going and doing this in the branch? I.e.Do they take copies of our payslips, ID there and then, or do they just use the time to try and sell you other products?
-
How much can I borrow ?
Hello All Ive got my eyes on a house which is £900,000 How much deposit would i need ? Annual income is in the range of £250,000. What sort of interest rate would i be lookin at ? Many Thanks
-
Worried sick - please help...
Hi, Due to my own stupidity, I have received (and paid) a Penalty Notice for Disorder (PND) from the Police for behavior likely to cause alarm and distress - from what I gather, those caught urinating in the street are often given a PND for this. This penalty is not a criminal conviction and nor does it create a criminal…
-
Aviva endowment
Hello there Hope someone can give me some advice. My endowment with Aviva ended on 7 July this year. Too date I have received no money! I had a letter from them two weeks before the maturity date stating that the £8,500 endowment had an estimated value of £7500. I knew there would be a shortfall and this is about what I…
-
how much can i borrow
i bought a house 3 years ago. now we are lookiing to move into a bigger home. is there any place/service i can use to work out how much i can borrow, so that i can work out a budget range for my new home. i was hoping to let my current home rather than sell, till the market picks up. no credit issues or outstanding…
-
Went back on to SVR, then started sub-letting, then lost my job!
Haven't managed to find anything very similar to this on other posts, so here goes: Bought a flat two years ago for £154,000 with a 2-year fixed-rate Halifax mortgage of £105,000 (I put down a deposit of £49,000). That ran out in July this year but because of falling house prices affecting my Loan-to-Value (LTV went over…
-
endowment
i got mortgage in 1994, though an independant advisor. It's with the Abbey and i have an endowment on it. At the time i just agreed to what was offered as i was desparate to leave my ex-bf. I don't really understand about endowments, and i never really took much notice of the letters sent once a year, so i'm not sure if it…
-
Applying for a Mortgage for a Repossession
I have an offer in on a repossession and the public notice is currently out. I have had an "agreement" in principle from HSBC a couple of months ago. I have phoned up to sort out a second mortgage interview to sort out my application but have been told that even though they won't let me apply until my offer has been…
-
Eviction due to secured loan
Due to my disability i am currently on oxygen waiting for a lung transplant. I have no arrears on my mortgage payments however unfortunately i am unable to pay the monthly payments on my secured loan i currently have with Black horse finance. They are aware of my severe health issue's however the only communication i…
-
First Time Buyer - Fixed or Variable?
I am a first time buyer and hopefully going to be looking at houses below £175,000. I am unsure as to whether I should look at fixed or variable / tracker mortgages. I will have a 20% deposit available. My initial searches have shown differences in monthly payments of £200. Not sure if the security of a fixed is worthwhile…
-
Fixed Vs Variable on mortgage
Hi, I am currently applying for a mortgage of 75% LTV, unfortunately my wife has 3 defaults that are due to end in Jan 2012. I have been turned down by the large high street banks but have been offered a few deals from Beacon (who accept defaults). 1) 4.9% Variable with a three year tie in. 2) 6% Fixed for two years. I do…
-
Advice on LTV please.
Hi, Just have a quick question that I am hoping someone can help with. We are currently considering buying a house and looking into mortgages etc. I am reading all the different bits and am slightly confused by the whole LTV thing. So can anybody tell me, whether if we buy a house for example at £100K and have a 10%…
-
mortgage question
maybe its me missing something but we are going to be coming out of a 7 year fixed rate in November of 4.99 % why when interest rates are so low are the fixed rates more expensive now , is it because everyone is after them ??? ideally we would like a 10 year fixed but I know thats probably not going to happen we're with…
-
Can we move?
Hi all, newbie here. Been trawling thorugh the pages but cant seem to find the answer Im looking for, so here goes.... Ive got a NR together mortgage, 97k secured and 20k unsecured with 2 years fixed left on it. House is valued at 105k. My partner and I are looking to get a bigger place together, so my question is really…
-
Wolstenholmes!!!! Beware!!!
:mad: My partener and I appointed Wolstenholmes to do our conveyancing on 2nd july then on the 3rd we cancled as we read some bad things about them through this fourm (Thank God) when we cancled they told us they will not be taking our £300!!!! off of our credit card. THEY DID!!! they have not sent us anything so it was't…
-
Ex Partners Mortgage and Finance (HELP)
Hi, im new to this so hopefully doing this right?:confused: Myself and girlfriend are hoping to get onto the property ladder in roughly about 16-18 months. My credit history is fine however my girlfriends may have been affected by her ex partner. My girlfriend secured a mortgage on a property and finance for windows with…
