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Remortgage Advice
Hello all! Doing some shopping around for my mother. The time has come to seek a re mortgage. Here's her current situation: Property worth £160,000+ Current outstanding mortgage £58,500. SVR with Birmingham Midshires Has impeccable credit history, but £12,000 outstanding credit card debt Has £23,500 annual income, from…
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what are our options...
My fixed rate isn't due to end for a few months yet but when it does I'm now worried that I will not be able to get a remortgage :confused: The background is that I bought the house off my ex husband many years ago as I had continued to live here with our child after the divorce and he had moved on but obviously wanted us…
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Applying for a mortgage whilst on a DMP
Apologies if this has already been asked recently. My initial thoughts were that there is no way I can apply for a mortgage given the fact I am on a debt management plan. However, some of the threads I've read seem to state the contrary. Just looking for some clarity with this?! Do some mortgage providers allow you to?!…
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what to do?
my hubby and i bought our house for 200.000 and got a mortgage of 40,000, we are just coming up to the end of our 5 yr fixed term, and have a savings investment coming out which is worth 42,000. here are my question... do we pay off the mortgage? pay off a lump of the mortgage? if so how much? and if we leave something on…
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aussie mortgage
hi we are moving from australia to uk next yr. the mortgage we presently have is the usual aussie one - variable rate with flexibility to repay more into your mortgage each month and withdraw any time (to a certain limit). Does anyone know if these mortgage's are in the uk? are they the best deal? which are the better…
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Unlinking endowment from mortgage
Several years ago after a red letter from our endowment company we moved our mortgage from interest only to repayment but continued to pay our endowment. We've not told the endowment company that we've done this, should we do so? Also, does this unlinking have any tax implications? Thank you to anyone who can help. :T
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Experian...does all banks, building society use this?
Hi, i have just checked my credit report, and i got an excellent score, so why did i get refused a higher mortgage? TIA malima
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experian, equifax, callcredit?
I was not listed on electoral roll in experian credit report and it taken me many phone calls, letters, nervs and even money( i didnt manage to do it during first free month membership). I wanted to apply for mortgage with first direct or probably with other lenders as well ( whoever has low svr/tracker for ftb at the…
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Joint Mortgage Advice
Hi there, I’m in quite an unusual situation and can’t work out what to do. Your advice is much appreciated. A long term friend and I want to buy a renovation project together. Neither of us has owned a house previously – but we’ve shared a rental property for years and have renovation experience. We can each get a mortgage…
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Should I move house before fixed rate ends or after?
Hello I'm a bit unsure about how mortgages work when you want to move house. I want to move house due to a change in job to save a 40 min evil commute to work each day. I am on a fixed rate with HSBC at 4.74% until June 2010, but would like to sell straight after Christmas. I don't plan to borrow any more than £5k extra on…
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Being hounded by Mortgage lender?
Hi this is my first posting, but wanted to know if anybody else was experiencing the same dogged hounding I am experiencing from A&L. 3 years ago, I arranged a mortgage through A & L to buy our home. I also opted for their recommended MPPI through Cardif Pinnacle. I have suddenly be made unemployed and being unable to…
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foreign mortgages
Anyone used web site low rate spanish mortgages? Any opinion
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Beneficial Interest
Hi Has anyone tried to go through the process of gaining beneficial interest in a property? I am about to move out of my partners house after 11 years of living together (17 years together in total) and I have been advised that this may be the only way I could claim any sort of recompense from the end of the relationship.…
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Mortgage/Deposit Question and options - Moving to cheaper house
Hi all, first post and apologies if this has been asked before. We are selling our house and relocating. We have an offer of £260,000 for our house and are looking at a house at £235,000. Our current outstanding mortgage is circa £200,000 with 2 years left on a fixed rate @ 4.79%. We have been given the option to carry…
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Mis Sold Mortgage HELP!!
Hi, I was due for re-mortgage in October last year, but the building society where able to start a new agreement in September if we stayed with them. Now here's what happened - 1) I was told that I had only 1 option of a fixed term mortgage until 2013 with a rate of 7.39% because the loan to equity value on my home was too…
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L&G endowment surrender value- now rising
25 yr low cost endowment £61 p/mth 1989 - 2014 In July SV was £16463, now £17227. Was previously falling dramatically. Lost £3k on SV in 6 mths. May ? wait a bit longer or even keep it ?
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No history of UK address/Small mortgage
Looking to buy a house, we can pay probably 80% as a deposit, and will be able to pay off the remainder after an inheritance. We're both in work. The trouble is, having recently returned from living abroad, and looking for a relatively small mortgage, we feel we'll not get a good deal. Any advice re finding a mortgage/…
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Please Help. Trying to help Family member with their mortgage crisis!
Hello wise people, i'm hoping someone here may be able to answer my question. Because of a horribly messy divorce several years ago my mother, for several silly reasons, has an endowment mortgage due to end in 18months time. It will leave her with an 18k shortfall. now the problems is:- A. She cannot get a new mortgage (we…
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Worth having a tiny amount remaining in mortgage for 20 years?
Hi, new member here, but long-time browser :) I have recently paid off a large sum off my £70000 mortgage and hope to pay the rest off sometime in 2010. I remember someone telling me years ago that their 25 year mortgage is coming to an end and they have only had less than £100 to pay over the past several years to avoid…
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mortgage renewal help please
hi people i am coming to the end of my fixed interest only mortgage. I am having to stay with the halifax due to negative equity and change in circumstance etc. they have offered me another 3 year fixed interest only at 5.29 or a tracker interest only at 2.79 for 3 years the tracker is based on the bank of england 0.05 %…
