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Two mortgage offers
I applied for two mortgages at around the same time and was offered the mortgage from lender 1 within 6 days (5yr fix 5.5%, £995 fee). I have just got word (after over a month) from the second lender that all is basically ok and they want to go ahead with the valuation. The second lender is the Post Office (5yr fix 4.45%…
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New Build Mortgages
I need a little bit of advice. We are looking to reserve a plot for a new build with Barratts. House is going to be priced between £150 - £160K, and we are thinking about their shared equity scheme (we put 5% and they put 15%). Therefore I need to look at Mortgages that accept new build houses for 80% LTV. I have been told…
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Mortgage holder has passed away - house left to a minor
Hi there, my aunt recently passed away leaving her house, which has a mortgage on it, to her 12 year old son. He won't continue to live in it, and is adamant that we don't sell it. If it was rented then that would more than cover the mortgage, leaving the property for him to live in or sell when he is 18. We have been told…
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Is £10k too small for a mortgage?
I am about to receive enough money to virtually clear my mortgage, but will have between £5/10k left outstanding. I have been looking for best buys to cover the remaining small loan but it seems to me that the best deals are not open to me or involve such high fees as to not be fantastic deals in this case. I have an old…
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worried about remortgage time/neg equity!!
hi all im after some advice/guidance! just to set the scene... we bought our first house in November 2007 for 128000 we had a mortgage from Halifax for 122000 , they then added the arrangement fee and then a higher lending charge to it t take the mortgage to 124384. i have just phoned halifax last week and they have told…
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Orlit Mortgages
I am trying to find a lender that will mortgage a Scottish Blackburn orlit property, not having much luck does any-one know if there is a lender out there and do you have to pay a % up front :confused:
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Shared Ownership remortgage
Hi, I'm a new member to the forum, but I usually trawl through the threads searching out advice or freebies.. I need advice on remortgaging my 50% share which is currently fixed at 5.8% until December this year then switches to Leeds building society SVR of 5.49%. Leeds SVR is pants considering the base rate at the moment.…
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4 defaults on Credit report
My husband and I have applied for a mortgage an our application has been deferred. I've now investigated my credit report which has 4 defaults. Does this mean we wont get a mortgage at all? I feel so guilty, my irresponsibility is now costing us our own home. Any help would be very much appreciated.
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Renting my half of the property??
Hi, I have a mortgage on a flat with my friend. I recently moved back home with my parents to save some money for a deposit so that me and my girlfriend can rent a place. I am still paying the mortgage on the flat minus bills which saves me about £150 per month which will go towards a deposit. I was just wondering whether…
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Second property mortgage
Looking for advice please! We currently have a £190K mortgage on a house worth £475k. We would like to raise £130k for a holiday home which can be rented (£400 a week). How would you finance this? Re mortgage? we have no significant savings, combined earnings £80k Grateful for any advice!!
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Second property mortgage
Looking for advice please! We currently have a £190K mortgage on a house worth £475k. We would like to raise £130k for a holiday home which can be rented (£400 a week). How would you finance this? Re mortgage? we have no significant savings Grateful for any advice!!
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Mortgage Woes
this is really stressful put down a reservation fee on a new build property. it was £1250. went to get a mortgage - rejected. went to experian and found out it was a £27 orange payment from years ago that i didnt even know about. ok so i paid the debt company £27 yesterday, then today I have faxed orange credit control…
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First time buying help please
Hello there, me and my wife are looking at buying a house after so long renting. Unfortunately i think we have a few problems!! Can anybody help us out? My wife is a nursery nurse, and i am a college lecturer, she is paid monthly as a salary. I, on the otherhand, have a 0.5 contract (part time) which i have just got, that…
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Best Mortgage deals????
I have just come out of my fixed rate mortgage (Libor) and am looking to re-mortgage on a BOE fixed rate mortgage, what is the best deals around at the moment with which bank/building society... there is sooooooooo many to chose from i just dont know which to go for... do i fix for 2/3 or 5yrs? If anyone could guide me to…
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Can any mortgage experts help me please?
Our current mortgage deal is up on 1st October, it was a 5yr fixed rate at 5.75% so I've been onto our lender to see what they can offer us. The options are: 2yr fixed rate at 3.74% 5yr fixed rate at 5.05% 10yr fixed rate at 5.53% or 2yr variable which is 3.74% HELP!!! Any advice appreciated, thanks!
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Sub prime Mortgages
We have a sub prime fixed rate mortgage that comes to and end 1st October & we would really like to fix again, However current lender have no fixed deals available & the broker we have asked said there are currently no sub-prime lenders offering new lending. The SRV is very attractive at the moment but we are worried about…
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What other charges???
As a first timebuyer I'd like to know besides from the arrangement fees with the mortgage what other charges do i have to consider.. things like stamp duty... but what are the others? ed
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Negative Equity Question - Our First House
Hi, I have been advised to re-post this here instead of where it was originally...... Myself and my husband bought our home in Nov 2007 for its market value of £159,950. We have since done a valuation online and it is coming up at a value of £135000! We do live in a small rural village, very sought after with the best…
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Self Build Mortgage?!
hi, hopefully you guys will have some useful information about Self build mortgages Background info Deposit : £50K mortgage Required: 200K Building state: Water tight, no kitchen / no bathroom, walls are all plastered and is just waiting for finishing off (no strucutral changes required) We are in no rush to move out the…
