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New (Worried) Member
Hello, new member here. Read the forums for a while and thought i'd join, hoping for some advice... Me and my girlfriend bought a house back in April 07, and got a 100% repayment mortgage with Northern Rock, with a fixed rate for 5 years. We're now half way through the payment agreement, and after borrowing £111,000 my…
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what one is better
RBS mortgage deal. 2 Year Fixed Rate £229.89 3.69% 31/10/2011 4% 4.2% APR 25% £799 3 Year Fixed Rate £247.32 4.39% 31/10/2012 4% 4.3% APR 25% £499 5 Year Fixed Rate - First Time Buyer Exclusive £289.66 5.99% 31/10/2014 4% 5.0% APR 10% £0 Obv there is a diff of roughly £60/£40 a month but does this get balanced out due to…
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Could we get a mortgage..?(own home/low income)
Hello All, My wife and I own our house out right and its value is approx. 210K. Having completely renovated it from top to bottom I have a real taste for being a full time developer but as we have never had a mortgage before we just don't know where to start. About 2 years ago we went into Nationwide to ask what we could…
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Joint Mortgage - why am i not on the title register?
Im a bit confused about a joint mortgage and title registry My mothers partner died 4 years ago and they didnt have any insurance which paid off their mortgage - silly I know - I didnt find out until he died :eek: The property automatically passed to my mum on his death - I understand they were joint tenants?? He paid the…
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what are interest rates going to do over the next year??
hi there my mortgage is due for renewal in November and ive been looking round and there do not seem to be any god deals for people with high ltv(90%) im not sure what to do wether or not to take out a new mortgage paying roughly what i am now (but fix it at 5 years ) or let my current mortgage fixed term end and drop onto…
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Experian - wrong info in my file
How do I make them to change their entry stating I am not electoral Roll if I actually am. Thanks
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FIRST TIME BUYER _ where do i start?!
Im a first time buyer as am fed up of having to rent and throw money at other people. Im a teacher so my salary is about 22,500 however i have no idea what type of mortgage i should go for. The place i want to buy i would like to live in for a while. Also i have no idea how much I would be allowed to borrow? (Its just me…
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Nationwide Robbing Ba*****s!!
I piad my mortgage off on the 27 August 2009 and phoned them to put it on a £1.00 balance so that if I ever need to borrow money I can do so. I have cancelled all Direct Debits/Standing orders etc on my side and the guy I spoke to advised me that NO further payments would be taken!! On the 2 September I check my bank…
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Mortgage Disaster
We had a self build mortgage with the woolwich, our solicitor sent off the mortgage deed and advised them that we didn't want to draw any money at this stage. We have now submitted our first chartered surveyors report to draw down the first tranche of money. Firstly we were told that we needed to have a revaluation done at…
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Single applicant-confused
Hi everybody,
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Nationwide additional borrowing
I am hoping somebody will be able to help with the following: I currently have a mortgage with Nationwide and luckily on their SVR of 2.5%. I am looking at moving in a few months and would be looking at a little additional borrowing for that larger house. Would I be able to take my existing mortgage with me (hopefully then…
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Standard life endowments cash in question
These are not attached to mortgage now was using as a saving plan ,now out of work and trying to cut back are they worth keeping? With profits started 1990 Sum assurrred £10780 £35000 on death bonus to date £5400 Surrender value £11671.21 Monthley prem £42.30 Matures 2016 3.75% £16200 5.5% £18000 7.25% £21000 Unitised plan…
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Offsetting a 0% cash balance against mortgage - Is it worth it?
Hi I currently have an offset mortgage with RBS (One account), I am currently trying to maximise the benefit of this type of account by using a credit card for day to day spending, arranging for DD to come out at the end of month to keep as much of my salary in my account for as long as possible.. I have recently received…
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HSBC lifetime tracker booking fee
Had a HSBC lifetime tracker mortgage excepted about 2 weeks ago. We havent moved yet but have just noticed that from the 1st septmeber they have reduced their booking fee by £100 on this product. Is there anything I can do? Thanks
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Tracker or fixed
Hi could anyone give some opinions on what to do. my fixed rate ended with northern rock about 9months ago been on srv since. my mortgage is 44700 i would like to add 5000-10000 on to it for home improvments. property is worth about 160000 I have just received a letter from northern rock with some offers which i can take…
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interest only
Hiya, can anyone advise on the best way to remortgage? my partner and i have been in a fixed rate interest only, for three years, we were first time buyers and thought we were lucky to get a house for under 100,000 at the time. Now our house is worth less and we are still in the middle of a total renovation, we want to pay…
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Mortgages deposit and advice please!!!!!
Hi, we have just been told that our landlord wants to sell our house next October, we were going to get married,so have allocated that fund for the deposit for our house (which we love and really would like to buy), our house is valued on zoopla £94,860, i would say our house is worth no more than 100,000, we are first…
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should I go for fixed rate mortgage now?
Hi, I hope someone can give me advice. I'm a single mum and I have a mortgage of £170,000 which is just about to finish it's fixed rate term. Should I go for another fixed rate now or should I wait? My dad says I should wait but I'm not sure that's a good idea. Also I have £49,000 in a 1 year bond (due to mature in Jan…
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Mortgage for PhD wage
Dear all, This is my very first post so be kind! Just a quick question really. I want to get a mortgage using my PhD stipend (lasting another 2 years). I have seen a few posts on here regarding this but they are quite out of date and also involve a partner with a 'normal' wage. My circumstances: i bring home every month…
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£1995 Mortgage broker fee!
Hello everyone,this is my first post!.Ill get straight to the point i have £20k of unsecured debt,credit cards,loans and a £4K overdraft!.I am in the process of consoladating my debt,i have been offered secured loans which i dont find attractive with the variable aprs!.I have a good credit rating but struggle to get an…
