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Mortgage and flat price
Can anyone help me please. We brought our flat for £135,000 and now its only worth about £99,995. We aren't on a fixed deal any more or tied down with our mortgage dealer. So im wondering is it possible to move to another? with such a huge difference for what we owe and what our property is worth?
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remorgage of retired parent home
hello all my parents have retired and on the money they have at the moment from pensions they do not have as much desposable cash as they had hoped for. There house is morgage free They would like to be able to release some equity to able me to be able to put a larger deposit on my next house. I was thinking of a morgage…
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Only two lenders offering products for off plan Flat!Is that be right ?
Good Day All I am buying a brand new Flat ready for completion April next year I have the 20% deposit and no Debt and an excellant credit score. I have had a mortgage before but not at present. I am being told by an IFA there are only two lenders willing to lending on such a property and with very limited products plus a…
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Mortgage Advice - Joint App (adverse & good credit)
Hi All I was hoping someone could advise on my particular situation as I haven't been able to find a definitive answer on the boards. My partner and I are looking at buying a property together. Currently we live in separate houses and here are our respective situations: Me: living in rented property. Adverse credit (6…
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anyone offer mortgage advice?
Hi all, I would appreciate if someone could offer some mortgage advice. Me and my wife has seen a flat we like in traditional tenament area that is a very well established area and would be the best for the city that we live in. The property is on the market for Guide Price 152k (Scottish system) 1 bedroom. It needs re…
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Mortgage advice
Am about to get married and we've seen a house we're in love with and was looking for advice. Asking price is £249,900 plus flooring so approx £255,000. This is a bit of a stretch and we're probably junmping a step on the property ladder. Would appreciate some advice on the numbers below: * We have 28% or £70k to put down…
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Mortgage declined after having it arranged in principle
Hi there, hope everyone is well I will try and explain the best i can as i am a first time buyer and this is all new to me. So two weeks ago i had a mortgage in principle with the Abbey which was arranged through a financial adviser. I found a flat and had the offer of £94,000 excepted so i went and arrange the solicitors…
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Help!! Need mortgae but have no credit history!
Hi Guys Getting desperate now! We have just sold our house in Jersey and have moved to the UK. Out mortgage was of course offshore with RBSI. This has now been settled when we sold the house. (RBS apparently have nothing to do with them and treat them as a separate bank for this purpose). We found our dream house, but have…
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Fix or SVR HELP!!
Hi i bought my house for £250,000 on a 2year fixed @ 5.79% the fixed is coming to a end with the abbey. my remaining mortgage is £209,000 they are offering me to fix again @ 5.99% for 2.5 years with a £200 arrangement fee. Or i can go on their SVR at 4.29% what should i do?? i dont have a deposit i can put down to bring my…
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I know there are several threads on this type
Hello all, Firstly I know there are several threads on this type of thing already but I just want to outline my particular case and see if anyone can advise? Myself and my ex girlfriend currently have a mortgage with C&G, she moved out when we split nearly a year now saying she wanted nothing more to do with the house or…
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Self-certification mortgages set to be axed
Heard this on the radio this evening. http://www.guardian.co.uk/money/2009/oct/13/self-certification-mortgages-axed
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Endowment advice
Some advice please We took out an endowment in 1990 for our mortgage all appeared well in May 2003 received letter stating that plan currently on track. In May 2005 received letter stating amber alert significant risk of shortfall not unduly worried shortfall small still possibility of surplus. In July 2007 received green…
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Fix or svr? C & G
Hi, I am hoping to pick the brains of people in the know. My current fixed rate ends in June 2010. I have saved some money and intend to save some more by June 2010 to reduce my current LTV down to 75%. I will manage to save enough by that date as long as my lenders don't value my property down further than their current…
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AIP from Halifax - what happens next?
Hi there, Found a new build I'd like to buy under their shared equity scheme. Met with the IFA last night and she submitted a mortgage application today for an AIP to be heard. Had a nightmare with my finances (self inflicted really) for many years which was resolved in 2004 so was completely honest with IFA last night.…
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Mortgage protection
Do you think it is worth getting? Do they really ever pay out? If the insurer thinks you are likely to suffer from anything then it seems they will up your premiums anyway, so would you have better security by banking the money? All thoughts appreciated.
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Halifax mortgage - moving home
A very long term stalker of this website (l've learned alot about debt management - particularly from never-in-doubt). I've applied alot of the wisdom on these boards to help with my finances without ever needing to post. until now.....! The reason for my post: My and my wife bought our first home back in July 2005. I had…
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Woolwich annual payment review - anyone had theres?
Hi I've had my Woolwich repayment mortgage now for almost a year and according to their website and previous posts it appears that the annual statement and payment review is done in September each year. Just wondering if anyone has had their's yet. I certainly haven't. Foreversummer
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Title Deeds... confused!
I currently co-own a mortgage (tenants in common) with an ex partner. It's been agreed that the mortgage will be signed over to me, I've been informed that I need to contact my lender in order for them to consent first. However, when it comes to changing the title deeds of the property I'm a little lost. Can anyone shed…
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5 van Caravan sites semi commercial property
I am trying to remortage our property. This has always been very smooth in the past. However, recently we have been turned down after our house was valued, because we have a small 5 van caravan club site. This does not bring in a big income, enough for a holiday a year. However, because we have the site, our property has…
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Halifax giving you extra....grief
Hi there, Hoping someone can give me some advice please. I changed my mortgage recently because I had come to the end of my deal and the current Halifax deals weren't suited to our needs. I asked for an explanation and a break down of my redemption figure as I thought it was quite steeper than I thought and had to pay an…
