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remortgage after short period
ok basically, can you get your house valued for free. im trying to work out the cost of a remortgage but i dont know my LTV. basically we have only moved in 6 months ago and have had a bad deal. what i was looking at was paying the 2k get out fee and adding it to the remortgage. our house was a reposession and we have done…
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bit of a paranoid question
We moved to this house 4 months ago. we ported the mortgage that i had on my previous property and at the time i was in full time permanent employement. since that time, i have decided to do sessional work, meaning i take some work, do it over 4-5 months and then get paid for it at the end, i get paid by the employers pay…
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Basic mortgage advice
Hi i keep this simple as i believe it is, we own our house worth £150,000-£160,000 with an outstanding mortgage of £50,000 on it with A & L. We wish to sell and buy another property around the £200,000 mark, aside from the usual fees and costs involved with buying and selling would we do best with going back to A & L or…
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Can extras from the builder be added to your mortgage?
I had a mortgage application approved for a new house which will be ready in a few weeks. The builder has added some extra electrics and kitchen appliances which total an extra £1,500 - can I ask the Halifax to add this to my mortgage? I don't want to go through the mortage application process again though. Any advice…
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Mortgage help - end of fixed rate
I know there are thousands of these but i'd really really appricaitae any help and any a spare 30 seconds or so if you have it. Thanks! Bought flat for 242 000 around 210 000 outstanding As of Dec 1st....(I started the mortgage in JAN 3 years ago so dunno how that works) I come off my fixed rate mortgage. I have two…
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Credit score !
The credit scoring , i thought would be my last of the worries as i m trying to get a mortgage. Contacted London and county mortgages, and the girl , very useful and fast at dealing with . She sugested abbey on 3 year deal 5.88 percent as i got only 15 percent deposit. it also came with free conveyancing and overpayment of…
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Capped Trackers - any still available?
Reading about "Capped Trackers" in another thread got me thinking... but I can't seemt o find any... Have they been withdrawn from the market? Thanks QT
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getting a morgagte
was wodnering if any one could offer some advice - me and my partner would like to buy somewhere our combined income is £36,820.00 he is also getting a payrise soon - we also get bonuses of around 1,000 to 2,000 a year between us. He has perfect credit and a deposit of £10,000 so far saved up and i have debts totaling…
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Mortgage company won't help
Hi,we have a mortgage with Birmingham midshires, and we have never missed a payment. We asked them for a 3 month payment holiday as oh has been put onto short time so we're struggling, but insurance only covers when you get made redundant, not put onto short time, so, they said no, we are not on the right mortgage plan to…
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Mortgage offer bait and switch??
I am looking into my mortgage and feel I have been a victim of bait and switch - if so is there anything I can do about it? The Keyfacts I have for the mortgage is dated 16 July 2007 in section 4 it clearly states a self cert 2 year fixed. Then the next letter I have is dated 25th July 2007 from my broker asking me to sign…
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Can I remortgage?
I have a fixed rate (5.68%) interest only mortgage with Nationwide which expires Sept 2012. The current settlement including £3,500 early repayment penalty is £130,000, against a house worth approx £260,000. As you can imagine if I could remortgage to todays rates it could make an awfully big difference to my outgoings. My…
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mortgages
hello , wondered if anyone can advice . just went to a mortgage advicer at hsbc as our home starter mortgage is commin to an end . the best they could offer was variable which would send our payments from £467 -£ 819 or fixed for 2 years at 6.75 which would take us from £467 - £ 999 . as we r in neg eq this was the only 2…
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Halifax Mortgage Redemption "get out"
Can anyone advise... I have a fixed rate Halifax mortgage and would ideally like to ditch and change to a better offer at Nationwide. I know it is usual to have to pay a redemption on this and my mortgage paperwork includes a redemption table listing in percentage terms the cost of early repayment (i.e. 5% on or before…
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Nationwide Mortgage Portability
Hi All, We have a BMR mortgage with Nationwide and are completing the sale of our flat this week. We have not found anywhere to go yet and therefore will go into renting. We therefore do not need a new mortgage yet. Does anyone know if there is anyway we can port our existing mortgage to the new property after we found it…
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Companies reclaiming endowment for you?
I was sold my Endowment policy in 1987 whilst serving in the RAF in Germany. Usual thing, pushy sales guy after a commission targetting the fresh faced squaddies. I still have all the original illustrations he did outlining how I would get £50k after 18 years and a further £50k tax free lump sum after a further 7 years. I…
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how much will I save by overpaying ??
Hi Everyone. We have been waiting for a mortgage offer from ' Beacon ' since June !! We are currently Libor rate + 2.5% ( interest only ) so our mortgage payments are really low. Our outstanding mortgage is approx 121,500 and the house valuation 180,000 I have decided not to go with beacon and instead pay extra to the…
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tennants in common
My partner and i bought a house as tennants in common,but did not say what the shareout would be if we split up.we split 17mths ago.i stayed in the property with all bills transfered to my name.we have a joint morgage and she still pays half.i put 60%deposit down on house she put nothink down.what is she entitled to if i…
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savings tied up/mortgages
Hello, I have found a house to buy (no chain) and have been approved for a mortgage. I intented to put down 40% to ensure i got a good deal on a tracker but i have just realised that the funds in one of my savings accounts finished in 6 weeks and is not accessable until then. My problem is although i have 60% of the house…
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95% Mortgages
Are they available? I cant find any We are first time buyers with a 5% deposit
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Mortgage Repayment Vehicles?
Hello We're in the process of applying for a joint interest only mortgage. We satisfy the means test and are both professionals with no bad credit. Its our first home and so only plan to live there for 4 - 5 years before moving, and we chose interest-only as we didn't think in the short term, it was worth opting for…
