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Mortage declined because... NO LIFT!!!
Hello, I need help!!! our application for mortgage purpose has been declided due to the fact that the property is located on the top floor of a five storey local authority block which does not contain a lift!!! it has been identified as unacceptable under the guidelines of the bank....what can we do??????????????? I never…
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Mortgage name swap?
Hi there, i read a few messages about it and I am still confused. I would like to swap my name with my girlfriend's name for a property on a existing mortgage. What can I do? New mortgage completely or there is a better and easier way? Thanks
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interest only morgage
hi can anyone help i have a interest only morgage of £10,467.15 fixed rate at 6.14 percent from 2007 for 5 years my mounthly payement should be £57.08 i have been paying an extera £50 a mounth on this morgage since 2007 all thou the capital is reduceing by £600 a year my payements of £57.08 is not reduceing and the extera…
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GE Mortgage payment date error
Anyone else get a refund from GE? Seems they were not applying the decrease in the interest rates on the correct date so they have refunded £150. I can't believe they have done this willingly, so anyone know whats going on
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Can I let WITHOUT a buy to let mortgage
Hi all, I am looking to get on the property ladder and have saved up a nice deposit and I estimate sometime before Christmas I will be looking to buy a place to get started on my journey. I’ll be looking for a 2 bedroom house which that I will feel happy to live in until I decide the need to move again. For the next 2 to 3…
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Endowment shortfall
I wonder if any one can give me some advice. We have 3 endowments which are all showing a shortfall, the biggest being just over £15k. We were totally mis-sold & misguided, however we were turned down. We also took it to the FSA who also turned us down. The reason was we had a "company mortgage" & therefore preferential…
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C&G SVR T&C's
Hi I am wondering if anyone can advise me a bit on the T&C's when on a lenders SVR. My fixed rate came to an end last November and I have been on the SVR with C&G (Im one of the lucky ones I know). Are there any rules about overpayments I know when it was fixed I could only overpay by 10% each year. Is this the same on the…
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What to do?
Last month my mortgage came off my 3 yr fixed interest only, so went down by about £600 odd a month. I have saved this amount (although am only one month in!) I don’t know what my house is worth, I would guess at £190000. Not sure at all though. I have a mortgage of about £176000 and earn £33k a year (my sister is on my…
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Mortgage advice needed please!!
Hiya everyone first time posting so sorry if in the wrong section - what i want to know is can my husband get a mortgage with an unsettled ccj for £18000 (i know its a huge amount) it was from a business related project that went really wrong - the thing is they havent contacted him for ages about it so he hasnt paid it…
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One Account - anyone use this?
does anyone have a one account thats meant to shrink your mortgage? Just wondering if its easy to use and if it really does reduce your mortgage time considerably? I think i understand how it works but feel free to give any advice on it as me and my fiance are considering it to remortgage with next year. thanks!
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Halifax remortgage - they messed up and now I'm in arrears!
Can anyone help advise me of my rights... I arranged a new fixed rate on my exisiting mortgage with Halifax in late June as my previous fixed rate ran out in Feb 09. During the telephone call when I accepted the new rate I was told that although the mortgage would start on 1st July I would remain on the SVR for July and…
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FTB - Mortgage with Britannia
Hi All Has anyone had any problems with Britannia? My partner and I applied for a joint mortgage over a month ago, we have paid all our fees upfront and everything was fine, our valuation was done on 23rd of june by someone called Connells, hired by Britannia. Since then we have submitted all infor required and are ready…
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HELP!!!! new mortgage whilst on a probationary period????
we have sold our house and we have put at £250 deposit on a new build. we have a £26000 deposit, so would be at 80% LTV on the house we want. had a mortgage in principle from natwest, but they are now saying they wont even proceed with the application whilst i am on a probationary period (i am 4 weeks into an 8 week…
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Mortgage on CCCS
I currently have a DMP with CCCS, and I have been given a price from the Council to buy my home for £34'000 which I would really like to do. My question though is would I be able to get a mortgage while on a DMP?
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Nationwide Mortgage Payment Holiday
Hi, My ex has just told me he's handed in his notice and is going to uni to repeat his final year. I'm expecting our baby in 5 weeks and he has told me he wont be paying a penny towards the (joint) mortgage for at least 10months while he studies. I've just been made redundant and with the baby on the way have absolutely no…
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mortgage help
hi can anyone help me and my family? we are in our mid 30's and have 2 children(1 10 year old & 1 10 week old) and are currently renting a house that we pay £720 pcm. we are in a debt management plan with the cccs and have approx £60,000 worth of debt. these debts are mainly due to divorces that both me and my wife went…
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GE Money Mort/Separation Problem
Hi Im after a bit of advice on behalf of my sister. Her and her husband have separated and she has been effectively kicked out of the family home along with their 2 kids. She rang GE Money regarding having her name taken off their joint mortgage. She asked if she could pay the arrears (which her ex is SUPPOSED to be paying…
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Question about Abbey's 10% overpayment limit
Sorry if this has been asked before but I couldn't find a thread that definitively answered my question. Abbey states on its website that if "you make a repayment of more than 10% of your mortgage balance, you will need to pay an early repayment charge (ERC)". I'm aware that this is 10% of the balance as of 1st January.…
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95% ltv mortgages
My friend needs a 95% LTV mortage , what are if any best ones out there ?
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Moving In For My First Mortgage.
I am hoping to move in and purchase my first property, it is worth £123K and I require a mortgage of 70K. My Mortgage broker has recommended the Alliance and Leicester 2 year fixed mortgage at 3.99%, is this a good mortgage to go for? I do like the sound of it as it doesn't tie me into a mortgage for too long, its a decent…
