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Result
Just to let everyone know who have replied to my posts I have been accepted by Halifax for my mortgage. Thanks very much for your advice:rotfl::T
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Old Northern Rock Mortgage
good evening I have posted on the reclaiming boards and no one has been able to answer so Im hoping someone here can answer the question below - just wondering if I can claim back the following charges from my mortgage which were added before I sold my property and paid off the mortgage. I was in financial difficulty and…
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Halifax Mortgage Underwriters?
Has anyone had to have an application for a mortgage with Halifax go to the underwriters for approval after a unsuccessful credit check? If so what was the reason they had to review the application and did they decline or accept the application, and what did they say their reason was if it was declined?
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How long between mortgae offer and receiving money?
I'm taking out a mortgage on my house which currently has no borrowing against it. I'm expecting to receive my mortgage offer after the bank holiday weekend. Does anyone know if I will receive the money straight away or If I have to wait for a 'cooling off period' or anything?
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5 years down the line
Hi Guys Ok well I dont really know much about anything financial so here I am . Moved back home to my parents with my daughter , what was just meant to be tops of a year while we got back on our feet has turned into 6years now :rolleyes: And although I do love it I'm also getting more and more fed up . Have been looking to…
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Remortgaging advise, how to restructure multiple mortgages?
Firstly I would like to say Hi to everyone as I am new to posting, although I have been reading on and off for some time. I have a question I would like to submit on remortgaging as I am about to come to the end of one the discount terms on our mortgages (yes it is plural!). I will explain: Me and my wife together own 3…
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Why Can't I get a mortgae (at a sensible rate)
I cannot believe the difficulty I am having getting a mortgage. I bought my house 11 years ago and was able to pay my mortgage off last year. (Now realise that was probably a very bad thing to do) Because I am in the Forces I now cannot live in my house and it is very safely rented out. I would like to raise money against…
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mortgage issue with ex-boyfriend
Hi guys, I was wondering if you had any advice. I split with my ex April 2008 and agreed that he could have the flat we have bought together. We both put £4000 in for deposit. I said that I would be happy for this to happen if he would give me my deposit back and he still is avoiding giving me this back. He avoids my calls…
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I have credit card debt, will I be able to get a mortgage?
I'm fed up with paying wapping big sums in rent every week and would rather contribute this money to a mortgage. Unfortunately rather than have a deposit to place on a house., I have a reasonable sized CC debt I am finding it difficult to reduce. Is their any hope?, myself and my partner earn reasonable salaries, but I…
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Mortgage based on future value of house?
Hello all, I was hoping for some early advice please; we have a Nationwide mortgage 95% LTV that we took out 3 years ago. After the property went up in price we since took some further lending up to 85% LTV of the new house price. We are now looking to do some significant redevelopment work that we are advised by estate…
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AVIVA Final Bonus Announcement
Having three endowment policies with Aviva I was aware of a general announcement in July from them that final bonus payment had yet again been reduced. Nevertheless I took this information in my stride an accepted that the shortfalls would be even lower than I expected. However, in a moment of boredom today I found my copy…
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Non Tradtional Construction mortgage
Unfortunately it looks like the great mortgage I got with HSBC I can no longer use as we are now buying a NTC house (Laing Easiform). It seems now that my options for a new mortgage are limited. I have been offered a fixed rate of 5.99% but I need 15% deposit. The only thing I can find at 90% are all above 7%. I can get a…
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remortage help
I own a terrace house worth approx 100k. I have 20k left to pay and a 4k home improvement loan - combined mortgage remaining of 24k. My husband's name is not on the mortgage. We left him off so he could be a first time buyer on our next home. Now we have found our dream place, a private sale, and old wreck for £140k. We…
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have I made a stupid mistake
I took out a captial repayment mortgage in 2000 due to finish in 2025 In 2006 I took out a fixed repayment deal of 5.18% for 10 years, until 2016 which I am tied into until that time. My question is regarding the fact that after about ten years or so, more of the capital starts to be repaid. I am concerned that I will…
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How to calculate the benefit of making overpayments on a mortgage - Help Please!
I'm looking to remortgage £116k. I was initially interested in the 5year fixed rate of 4.95% that i've seen. Repayments would be £928 per month. I have read on this forum about the co-op doing a tracker capped at 5.99%. Currently 2.99%. Initially the repayments would be £809.15. If it went to the capped max rate the…
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Pay back capstne mortage or not?
OK Hello So we had offer on our house. We have a remortgage with SPML cap*stone as colletion agents I believe. I the mortgage owner was wondering anyone had to pay back redemption charges to them when they paid the mortgage off around 130 thousand pounds? and what this charge was? Wondering if I sell the house then could I…
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First Time Buyer Help
Hi, I know this type of thread must be done thousands of time so i do apologise but i guess every scenario is different. My girlfriend and I are saving up to buy our first house. We currently have c24K worth of deposit of our own money, by the end of the year (when we will start looking) we hope to have around 27k together…
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Mortgage with Bad Credit Rating
Hi, I am currently have a property worth approx £295K with a £125K Mortgage. My partner is not on the mortgage, I am currently trying to re-mortgage for £70,000 to clear cc debts and a loan £25K also some to include home improvements. My current lender will only agree to £30K and I have contacted a a broker who can only…
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Enforcing servicing only mortgage debt in Spain
Having had an interest-only mortgage for 4 years in Spain I was extremely disappointed when having collated all the relevant information on my financial viability,I was forced to resume full capital repayment terms. Bearing in mind non-residents in Spain generally put down 30%, even with current market fluctuations this…
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Woolwich mortgage reserve account
Has any one had any experience in the Woolwich mortgage reserve account, we can draw upto £47K from ours and due to an loft conversion will be using 20k of it for a period of only two months, (until we can draw dividends from our business in January), Do they increase the monthly mortgage payments to cover interest on this…
