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problem with slow Abbey application
Anyone else having a problem with the Abbey being slow to release mortgage funds ? We applied in late July for a 75% mortgage, the certificate came within 2 days great! Then the delays started , we are still waiting today {8th oct) ! Tomorrow is the deadline set by our vendor so it looks like we will lose this property.…
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own: now want to rent my property......
Wonder if anyone can offer any advise please.... Myself and my husband currently own one property; our flat in which we have lived in for 4 years (First time bought property). We are now considering moving to a bigger property within the next few years and we are considering letting the property that we currently own and…
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Self certified mortgage
OK I am looking for a self certified mortgage. I need this because I can't show tax returns as, until now, my income has been low. This year my business has started to take off but, as I say, I need a self certified mortgage. (I do have some savings of around 30k too (which I have saved over many years)) With this in mind…
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Negotiating estate agents %age down?
Hi there I am about to put my house on the market and the agent has quoted 1.5% + VAT (which is a HUUUUGE amount of money). I wondered what experience people have of getting a reduced rate or even a fixed fee? Thanks ~x~
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VIRGIN ONE ACCOUNT - CHANGES TO Ts and Cs
Whilst the ombudsman complaint rumbles on (about not passing on the B of E interest rate changes), I was concerned about the new terms and conditions that were sent to me the other day, entitled "Important Information - changes to your terms and conditions - August 2009". VO seem to be radically trying to alter the terms…
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Missing Mortgage Payment
Hi there I have just been informed by my inept employer that our wages will be late this week due to a banking error. This does mean that I won't have enough to cover the mortgage, which is due out on Monday. The mortgage is with Bristol & West, and now I'm worried what will happen - I've had the mortgage 11 months and…
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RBS Base Rate?
Hi all This may be a silly question, but how do I find out the current Royal Bank of Scotland Base Rate, and also find out whether there have been any changes in the past year? I've tried googling and the RBS website but I can't find anything at all. Thanks Paul
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Estate agent fees
Does anyone know what Church and hawes, B eves and curtis o boyle charge? Thanks Been trying to find out online and cant find it/.
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Awaiting Abbey Offer
Hi Someone in our chain decided to get a morgage with Abbey and were very late applying for it. They are now in week 6 of this, and they eventually had their survey done on Monday. How long does it usually take after the survey before they get an offer. Thanks very much Steve
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Mortgage Help
Hopefully i can explain this the best way i can. Me and my partner brought a house last year. The house value was £104,950 and we put a 10% deposit down. We are now thinking about going our seperate ways. I paid the deposit and i pay all the mortgage on my own including all insurances. At the time of buying the house my…
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Help with my fathers estate
Hello, im wondering if anyone can help me with little advice. Sadly my father passed away recently, he was intestate and without any life insurance. He has remortgaged his home to convert a property into 2 flats, a retirement plan he never got to reap the benefits of. Basically due to the housing price crash the estate…
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Mortgages and age
Hiya, My husband and I are looking to move and need to get a mortgage. I went for a quote yesterday, but was told we could only get a 19 year mortgage as my husband is 45 (46 this year). Is this right? Can we get a mortgage to take us past his 65th birthday? I am 6 years younger. We also intend to pay some of mortgage off…
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Mortgage Endowment
I have had an endowment fo appro 10 years. I lost my Job in July 2008 so I could not pay for my endowment. I recently tried to reinstate my endowment and was told I could not, because I had stopped paying for 13 months and I had exceeded the 12 months period that is allowed. I have a lump sum in the endowment but it won't…
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Pay off??
Redundancy looms, with no payout. Mortgage at £600 a month. All our savings around (including ISA's) do equate to the outstanding mortgage balance. Do I pay off the mortgage with the savings (only a small penalty or around £500) or do I use the savings to make the monthly payments?
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Mortgage Advise/Abbey Issues..Please Help!
Hi, I am looking to move house in the very near future and current house will be on the market this week but I am having a few issues with mortgage. Problem I have is that alot of my earnings are made up of commission, I have a basic salary of 12k and last year I took home 27k, this year I am down to do approx 30k. I have…
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Part lease hold part free hold house
We own a part lease hold part free hold house ( apartment built on top of four garages, 1 garage is ours and free hold as is the apartment, the other 3 garages are leasehol). We were told that there a few providers who lend on this type of property. I know Nationwide and Lloyds do, but does anbody know of any other…
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RBS Agreement in Principle
Hi everyone We have has a AIP (subject to receipt of a satisfcatory valuation) from the RBS for a Mortgage of £80,000 on a house valued at £190,000 we had some problems with our last mortgage 4 years ago we sold that house 2 1/2 years ago and have been renting since. our ltv is 43%. Do you think it will be ok now or could…
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HSBC mortgage - how long for them to transfer mortgage funds?
Hi, We should be exchanging on our first house tomorrow and we're supposed to be completing on the 19th. Our solicitor has just been told that it will take HSBC 10 working days to ensure the funds are in her account ready to complete, pushing completion back to 21st at the earliest. Anyone know how long other banks take -…
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Porting Nationwide mortgage when moving (increase borrowing)
Hi all As above, my wife and I are looking to move house. We currently have a £110k mortgage on a tracker with NW which is due to end 31.1.10. We want to borrow an extra £45k mortgage to buy a new house and we will have sufficient equity/salaries for 95%LTV. I assumed that the £110k would stay on the SVR of 3.99% until the…
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Help! Do I have to have a B2L mortgage when i only own one property?
I need help: I own a flat in London, which i couldn't sell, so i rent it out. I live in Brighton in a house where i am the tenant. I need to renew my mortgage as i am paying a high fixed rate. However, even though i only own one property, i am told i can only apply for Buy To Let mortgages - with £7,000 arrangement fees -…
