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Northern Rock Together Mortgage - Question....
I know that there is another Northern Rock thread, but I have a specific question. We took out a fixed rate together mortgage in September 2006. As we were concerned about interest rates rising we fixed in for 5 years along with the plan that we would probably move house after around 5 years too. The mortgage was for…
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housing association interview
hi has anybody had a an interview before with a housing association, i am a bit nervous as we are going for the shared ownership and would liketo make sure i am prepared. I know many ppl don't agree with shared ownership but it's the only suitable option for us :confused:
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Mortgage advice for expats
My husband and I recently moved back to the UK. For the last 12 years we owned a house in the Netherlands which was sold recently. We would like to buy a house in the next 3 months or so and we have our deposit in place. Before we moved to the Netherlands we were in rented accommodation and it is the first time that we…
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Bridging loans.
have these been completely pulled as i cant seem to find anyone offering these online?!?! my property is currently on the market and i have seen another that i need to move on quickly so am looking at all the options available.
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First Direct -'Legal Mortgage'
Hi, I'm currently in the process of switching to a First Direct Offset mortgage and have been sent a 'Legal Mortgage' to sign and return (this is in addition to the mortgage offer). It tells me to read carefully and suggests passing to my lawyer. I've read it carefully and all the terms seem reasonable, however, I do not…
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offset mortgage...am i right???
Hi all I’ve been thinking about offset mortgages and have worked out some numbers and they seem too good to be true so I’m hoping someone could answer a few questions for me. I know how offset mortgages work using savings and credit balances to reduce the interest paid on the outstanding amount but I’m not sure how it’s…
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Estate agent pressuring us to use their mortgage advice
Hello, We have just found the home of our dreams and put an offer on it. The estate agents have a mortgage advise department which they are highly recommending that we use. Its gone along the lines of "it will be best if you use our mortgages so that we can ensure that your offer will get accepted." Because the house is a…
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Mortgage Help - Variable Rates/ New Mortgage etc
Maybe someone could help me understand better. My mortage (Redstone) was on a fixed rate (mega interest) with a £20k early redemption fee attached. The redemption period is now over and the fee has gone + the rate has now ended and its dropped to a variable rate. It was up at 5.5% (ish) but Iv just recieved a letter…
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Red Alert:High Risk of Shortfall
Maybe a no brainer for people on the forum but I have a question. I received a letter today telling me that my £30,000 endowment is ‘red’ and I will shortfall by £2000 at the end of its term in exactly one year. Should I use an available £10,000 to pay off a chunk or hang in? Or should I put the money in a fixed bond and…
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Errors in Mortgage advice
My cousin has received a letter from her mortgage company saying there was some errors in the Mortgage advice given (they went direct), and the reccommended Mortgage for them (which they took out). They also wrote that this could have contributed to the difficulties they have had in paying their mortgage ( they are in…
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Does starting new jobs affect mortgage chances?
Hi My partner and myself have been into the bank and have been told based on an affordability calculation that we can borrow up to 170K, we are looking for houses in the region of 150K (we have a 15K deposit). What we're worried about when applying for a mortgage is that I started a new job last month and my partner is due…
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Rates could rise sharply - Telegraph
http://www.telegraph.co.uk/finance/personalfinance/borrowing/6146642/Interest-rates-could-rise-sharply-early-next-year.html
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FTB'er Have i set my sights to high??
Me and the wife are currently renting and looking to get my foot on the ladder. A new George Wimpy development is planned for just up the road from where I live now. The info on the grape vine suggests that 3 beds are going to be around the £160K mark. We will when the time comes have 10% to put down. My salary is £24K…
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Best Mortgage
Hi All I am a first time buyer and need some mortgage advice. I am looking to buy a house for around 60k with a deposit of 20k. I would like to borrow 40k. I can afford to pay around £500.00 per month, would would the best mortgage deal be for me. Fixed over 8 year period with a fixed interest rate for 5 years? or interest…
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can i damage my partners credit rating
i have a very bad credit rating and am wondering if i di a joint application with my partner could i damage hers any info would be helpful thanks.
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Fixed deal ending - do I need to worry?
Hi all, I have a 3 year fixed deal coming to an end in Jan2010. Its with a "sub-prime" lender, igroup, due to previous bad history. I was brokered through Diamond Lifestyle, who are now bust. Mortgage(+extra borowing) in Jan2007 was £57500, 5.39% fixed @ £356 p/m I also have a secured loan (6 yr term -£10000 in july 2007)…
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Rooftop Mortgages
I really need help please. My daughter is stuck at the moment with a large mortgage with rooftop. Their charges are disgusting and I have been forced to pay thousands just to keep a house over her head. Being a novice at these things, how do I try and claim back these charges, reading about Rooftop I know they are a bad…
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Credit Reports & Mortgages
Hi I'm really desperate for advice. I'm on the Homebuy Direct Scheme, buying a new build property with my sister. All was going well until this week we were turned down by both RBS and Halifax for the mortgage as it appears I have a bad credit history, I feel physically sick and upset. I paid for a credit report a month…
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Woolwich mortgage
How easy is it too get woolwich mortgage and whats the income rate they calcultor at ? Wages x
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Payment holiday
Does anyone know how many mortgage providers have this service payment holiday ?
