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Mortgage with 1 late payment
Our house sale/purcase has fallen through. We had a full mortgage offer with Abbey. After they had done their checks, and whilst we were on holiday, my partner forgot to pay her CC bill. She did so as soon as we got back. This is the only bad mark on either of our credit files, is it going to affect our chances of getting…
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credit rating
Basically i used to have a bad credit rating, defaults coupkle of ccjs so on. I have totally cleared it up and my experian is looking not bad at all. I am or will be after a mortgage as u will see from my other threads. My experian shows no defaults or ccjs. 2 credit cards one with 200 on and one empty. But 6 late payments…
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shared ownership with HSBC?
HI All, Can anyone tell me if HSBC do shared ownership mortgages? I have just phoned them to ask and they wouldnt answer the question, I was told to ask in branch! Its a straight forward yes or no question, do you do them or not? Any ideas? Cheers
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getting a re-mortgage with a default
Hello Hoping for some help and advice, our situation is that we own our home with no mortgage, it is valued at approx £190,000 we would like to borrow £60-80 to build an extension, however we have tried our banks and building societies who have all refused beacuse my husband has a default on a loan payment from approx 6…
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Taking over a friends mortgage
Hi, im new to this and would love some advice. My friend is moving abroad and i want to buy her flat. Thing is ive been trying to get a mortgage for ages and my credit is bad. Is there anyway i can take over her mortgage, or just change the name over? or put my name on it? She only put 10 grand into the property which i…
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Is the 95% mortgage a myth?
Hi Guys, I am in need of some mortgage help if at all possible... My girlfriend and I decided 7 months ago that we were ready to live together and with house prices as low as they were/are it seemed like the sensible thing to do to get on the property ladder! We went to see a mortgage advisor and were told we could afford…
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HSBC taking sooo long to get back to me
Hello again everyone HSBC are taking such a long time to get back to me to tell me if i have been accepted for my mortgage with them. I recieved a letter from them on the 17th to say they will be in contact shortly. Now it is the 26th and they have still not told me i phoned them on Monday and Tuesday and was told both…
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First Time Buyer Mortgage Help Please
Hi All, I am a first time buyer investigating current mortgages in the market. Would really appreciate your advice on what the best mortgage rate would be for a 80% LTV - I am looking at 3-5 year fixed rates. I have had an offer accepted (£198,000) and am spending some money renovating the place. I have found 5 year at RBS…
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Transferring a mortgage from parents to child
Hello, My wife and I are living with my parents. They remortgaged the house to start a business but due to circumstances beyond their control, it failed. Now they have a mortgage on the home (which I have lived in for nigh-on 26 years) and are approaching retirement age. The house was remortgaged at £119k at a value of…
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moving out of my first-time-buy
i want to move out of the flat i bought a few years ago and have been making steady overpayments on. but i don't want to change my mortgage - i'm on a nice + 0.49% tracker with unlimited overpayments. i'm moving to rented accommodation - and i know 'technically' i'm not allowed to rent out my bought place without notifying…
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HELP - ERP applies - is is worth remortgaging
Wondered if anyone could help with this. I am thinking of remortgaging my home to save money, however i am tied in with my current lender on various fixed rate products. The early repayment charge is £1200. I have 3 sub accounts and this is the total for all accounts. (the 3 sub accounts all end at different times, the…
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UK mortgage from abroad
hi, any thoughts on situation below greatly appreciated: - need £180k loan to add to £70k deposit (home value £250) - joint mortgage with partner. - i have a small UK mortgage already (buying 50% of one UK property with a friend) - both me and my partner live and work in Switzerland, so are paid in Swiss francs. which…
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Endowements ending April 2010
I have two endowements one Freinds prov and one Standard Life. I understand that both will not make what the targert figure should be. I am hoping the final terminal bonus will boost these up. Can I find out what they will be paying me out in April and if so when is the best timewise to contact these companies. The problem…
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Quick Question re Abbey Mortgage
Hi just wanted to ask a daft question. I have just remortgaged our home using the services of a broker, the completion has taken place and we are now with the Woolwich instead of Abbey. But I have not received any correspondence from the Abbey should I have done?
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49% Mortgage.
I'm looking to borrow 60K, however I want to have the option of overpaying every month without incurring penalties, what is the best 5 year fixed rate mortgage currently available to me? Thanks in advance.
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Anyone know any good deals for an 80% LTV mortgage?
We found a lifetime tracker at base + 2.59% but on a technicality cannot get it approved quick enough. We have a 20% deposit but really cant get together 25% and are struggling to find decent rates for 80%LTV. There dont seem to be many out there and the rates for 90% are so high. Does anyone know of where we could look?…
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1st time buyer needs advice on legality
Please help me as I really am clueless in the field of mortgages. I have a friend who is currently renting out her property, she is now looking at selling it and has offered it to me at a cheaper price. She would prefer not to put the property through the estate agents and would like us to conduct a private sale. The…
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FTB: Natwest Interest only, saving options
I'm planning to take out a mortgage with Natwest 3 year fixed 4.39% 75% LTV. I called them today to apply for a interest only option and they asked where my savings will be going, ISA stock and shares or Private Pension. I have an Cash ISA account which I max out every year (£3600), is that the same as having an ISA stock…
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A canal boat mortgage?
hi all, This is my first post so hello to everyone. I was pointed here by a good friend (Sar, if you know her). Anyway, i was wondering if any of you were aware of a way of getting a mortgage on a canal boat. I'm pretty sure I read about a Marine Mortgage somewhere, maybe with Lombard? I'm a 22 year old Graduate, looking…
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mortgage advice: bad credit with a 25% deposit
Hi, just wondering if anyone could give me any advice. Me and my partner take home altogether about 2400 after tax- we have a 25% deposit and are hoping to get a mortgage for about 150 k however my partner did used to have poor credit about 6 months ago but she's paid off all of her debt now. what do you think our chances…
