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Fixed Rate Ending - Help/Advice Please
Hi All, i wonder if I could get some advice please? Here is a summary of our situ; Currently in a DMP with CCCS paying around £25K debt Have a Charging Order from Northern Rock for £21K Mortgage with Platform for £81K on interest only at present I am working full time earning £26K Hubby made redundant in April, started own…
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Company accounts required for mortgage - help!
My wife & I have submitted a mortgage application following an agreement in principle where we provided, among other things, our income details. My wife is fine as she's employed and has submitted payslips, but I'm employed by my own company. So I gave them my average salary plus dividends that I've taken over the last 3…
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crystal ball time..
I guess this is more aimed at the mortgage advisors on the board who deal with rates and applications on a day to day basis: 1) What do you reckon the state of mortgage lending will be in 6 months time, and also 12 months time? 2) Do you feel that the days of 10% deposit deals across the board are long gone? 3) Do you feel…
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NatWest 5 Year Purchase Fixed Rate: First Time Buyer Exclusive
Does anyone know if this offer is available for new build houses? Thanks
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First time buyer - self employed and partner full time employed..plse advice
I'm a FTB looking for a joint mortgage with partner who is in full time employment but I'm self employed working through a temp agency on an ongoing contract. Been out of work for 2 months but previously was temping. Looking to buy a newbuild house, what are the chances of getting a mortgage and what brokers or lenders…
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Mortgage advice about A.I.P
Hi just been speaking with our mortgage broker and he has said that we have a A.I.P already set in place for our new mortgage. Here is how it goes both have a joint income of 42000 Had a mortgage for 4 years now just sold house looking for a new house and seen one will have a 15% deposit from sale off house My gf has an…
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Fixed mortgages
Unfortunately I got a fixed deal last Oct, just before the interest rates when down. My fixed mortgage is around 6%. Is there anyway I can approach my current lender to reduce my interest rate to the rates they are offereing new customers? Any advice would be great!
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Help - Endowments don't work!
Hi Would like some opinions please - and sorry if this post is rather long! We currently have 3 endowments, all of which are showing shortfalls. The reason we have 3 is not because we haven’t learnt our lesson– the second was taken out when we remortgaged to help finances when OH left work to become a full-time, mature…
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Follow on Rate
http://www.nationwide.co.uk/mortgages/newcustomers/firsttimebuyer/fixedinterestrates.htm Does the follow on rate after your fixed rate ends means you pay 3.99% above the BoE in rate? Obviously its not 3.99% for the remainder of the mortgage.
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Self cert mortgages - any brokers care to comment
To avoid any confusion with other threads I have started my own, Can any mortgage advisers or others with relevant information answer the following please. I have income from a number of different streams some of which regular lenders will accept, state benefits, occupational pensions etc etc. These however make up only…
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Northern Rock Mortgage Advice Please?
Hi I have a Northern Rock Mortgage, which has a un-secured personal loan attached to it, eg Secured = 115,000 Unsecured = 30,000. Decided to sell the house which is worth around 135,000. Can I pay off the mortgage (115,000) and continue with the unsecured loan at their variable rate? Or am I obliged to pay off both parts…
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do we have any chance of borrowing enough to buy?
This may be a deluded question in these dismal financial times but can anyone tell me just how much mortgage a couple could possibly obtain, if at all? Main earner has income of £28,000 net, myself £4,000 net and a deposit of £15,000. Are there any lenders out there who will still help people still borrow that little bit…
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Mortgage charge relaim quiree
Good Everning Everybody ,:confused: Please can anyone help and give some advice The Mortgage Company have charged me charges. ARRS LETTER/CALL FEE £ 35.00 FAILED PROMISE £ 40.00 DEBT COUNSELING £100.00 Please will anybody give me advice and i will be very Greatfull Many Thanks :confused: BIG BAD WOLF:confused: :eek:
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Mortgage charge relaim quiree
Good Evrning Everybody, please can anybody help and give advice , I wondered if i cold claim back charges made against me on my Mortgage FAILED PROMISE £ 40.00 ARRS LETTER/ CALL FEE £ 35.00 All advice given I would be very Greatfull Thankyou. BIG BAD WOLF:confused: :eek:
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car loan charges can anyone help
Good Everning Everybody, Please can anybody help me with this problem can I claim back Letter Charges , Late Payment Surcharges on my loan I will be greatful for any advice. Thankyou. Big bad Wolf.
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Variable or Fixed Rate???
Hi, So we've sold our place now and had an offer accepted on the one we want. Need to get a mortgage for £195k, on a purchase price of £217k. Been looking on moneysupermarket and seems like Britannia are coming up with the best deals for 10% deposits. However, I can't decide on the variable or fixed rate?! Variable means a…
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Mortgage to buy OH out
Apologies, but I have searched and can't find out the info I need. After 32 years of married life(won't say bliss), we have decided to move on. Now OH has suggested we sell this house and buy her a flat, and I get a mortgage on a flat for myself. I can see her reasoning, as I earn more than her and she wouldn't have a hope…
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90% LTV on new build
Hi Looked for a bew build at 199,950 or 179,950 if i do it on shared equity but then no further incentives. We have sold the house and will walk away with 19,000 but have estate agency fees to pay for that. So does anyone know if any lenders are offering 90% LTV on new builds, I have a 5% gifted deposit just that i am a…
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Anyone appealed against 1% interest rate increase for converting to btl mortgage?
Hi Everyone, I have 2 properties which I once lived in but then moved out. With the market being what it is it didnt make sense for me to sell them so i rented them out one after the other. My mortgage lenders were fine about it but added 1% to my interest rate for the privelege! As they both did it I thought it was…
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Are self certified mortgages still available?
Help needed urgently !!! We have sold our house after 8months, we are downsizing from an enormous mortage to a much smaller one, we have found a house, our buyers can move in asap, the vendor of the house we want is moving into an empty bungalow so NO CHAIN. Abbey in their wisdom have turned us down for a new, smaller…
