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Halifax Mortgage Promise
We have been accepted today for a Halifax Mortgage Promise for a loan of up to £259,225, on the stipulation that when we come to apply for a mortgage we hand over a 15% deposit. We have been told that when we come to apply for the mortgage all we need is to bring in our passports, one form of address identification and one…
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Expensive mortgage and Separated
Hi all, I need advice ! My wife and I bought a house in 1992 and over the years added bits to the mortgage. The repayments were getting a bit steep even with two incomes, but last month my Wife left me and moved into a rented place with another man. I've taken over the mortgage payments but we're both on the house deeds.…
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Abbey Ending Mortgage costs Northern Ireland
My mum is with Abbey and they are trying to charge £245 plus you have to appoint a solicitor for ending her mortgage. If u were in England, wales etc there would be no fee. Can anyone explain why?
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100% mortgages
we are currently renting a property that our landlords want to sell in approx 2-3 years. at current prices it would be worth approx 160k, maybe 150k worse case scenario. we have some large financial commitments that end in 2 years (cars, loan), so are struggling to save for a deposit, although our combined income is good…
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Natwest valuation carried out yesterday and back to underwritters?
Hi all, I applied for the Natwest 5.99% 5 year fixed, 10% deposit with no fee deal 12 days ago. The offer was accepted at £138,100 the day before I applied for the mortgage and im intending to borrow £124,290 (10%). 3 Days later I phoned Natwest after initially applying on the phone and was told the mortgage has been…
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national home loans
hi i am trying to get in touch with national home loans. whom i had a mortgage with about 20 years ago. it was all paid when i moved house 16 years ago but my endowment company tell me my policy is still assigned to them. can anyone help me please as i do not where to start. tried google no luck
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Nationwide Mortgage
Hi I have a Nationwide repayment mortgage and need a holiday from it, does anyone know what the current criteria is for the Nationwide for getting a holiday? I just want to make sure I qualify before I make the phone call as I know that they are a little more difficult to get these days. Thanks for your help
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First time buyer after some confidence!
Hello, I was after a second opinion from some people who know :) so any opinions and suggestions are greatly appreciated. I am looking to buy my first place which is (hopefully) going to cost me £205,000. I have £65,000 as a deposit so need to find £140,000. I have no debts and earn between £34500 and £37500 each year. The…
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mortgages.
hello , wondered if anyone can help . we are coming to the end of our 100% intrest only mortgage , and we wondered ,if we could get another one ? does anyone know ?
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HSBC Lifetime Tracker
Apologies for cross posting, I originally put this in 'House Buying' then realised it made more sense here: Its too late for me, this deal appeared after I was well down the co-op path, but what do people think of the HSBC special lifetime tracker? (Base rate + 2.45% for the entire term). I have friends who are looking to…
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Surrendered Endowmant,How long before pay out?
On Thursday 1/10/2009 I sent off the completed paperwork by recorded delivery to Royal London requesting the surrender of an endowment policy.I checked with the Royal Mail and the letter was delivered on Friday 2/10/2009.Presuming all the paperwork was completed correctly how long can I expect to wait before I receive the…
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Mortgage Broker Q's
Hi All, This is my first post on MSE, so be gentle:D. I am currently living with parents but wanting to get a place of my own with GF. Only problem is that she is unemployed but in adult education, so cannot claim any benefits etc. The mortgage would be in my sole name but my income is only 27K p.a. I have used the online…
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pension pay off mortgage arrears
hi i am in real trouble with my mortgage, close to re-possesion stage. i am 47 and only just unemployed(2 weeks ago). ok i have just come off the phone from my pension company and the guy on the other end remembered when you could pay your mortgage arrears off with some of your pension, he went and asked a colleague and…
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MSE News: Lenders cut mortgage rates
This is the discussion thread for the following MSE News Story: "Three major lenders have cut their mortgage rates this week in a boost for borrowers. Mortgage experts say these represent tentative signs of competition creeping back into the market ..." Read the full story: Lenders cut mortgage rates
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Buy To Let to help pay off existing mortgage?
Hi all, apologies I did a search and couldn't find a similar question elsewhere. I've currently got about £130K outstanding on my mortgage which obviously I want to get rid of ASAP. I estimate I have about £170K equity in my property. What I'm struggling with is would it be better to: a. Overpay my mortgage by say £100 a…
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Red alert for endowment/Paying off mortgage
I have two queries, I hope someone can advise me; 1)I have had a red alert for my endowment ( approx 8,000) from Aviva and the letter suggests I should make a claim . However, I have already had a payment of about £2,000 from the Abbey for 'mis-selling'. Do both companies not liaise with each other? Surely I cannot make a…
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Another Endowment to cash or not questions
Hi guys, hopefully somebody will be able to help here. I currently have a Nationwide mortgage, interest only of £116,000 which we have been overpaying by £300 a month to try and reduce the term, the outstanding balance is now £103,500 :-) We have two endowment policies, one in my name, the other in my wife's which were…
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Valuation Fee lost
Hello, I recently applied via a Mortgage Advisor (who gets a commission once mortgage is granted) for 2 separate Buy to Let Mortgages with The Mortgage Works (part of Nationwide) to release funds out of two properties I own(ed) outright and rent out. I have had the same tenants in both properties for almost a year and a…
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Halifax mortgage advisor disgusting behaviour
Hi all I posted on here a few days ago about being given an Agreement in Principle from the Halifax on a RTB mortgage. I have been looking for two years on and off to get a mortgage but it is an ex-council flat and prefab concrete. I was cautiously happy that the mortgage seemed to be going through but my gut feeling told…
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Renovation remortgage?? Help!
Hi, Me and my OH bought a house two years ago and have since been slowley renovating it. Personal circumstances have changed and had an impact on funds etc, so it is taking a bit longer than it originaly should have. Our fixed rate mortgage ended in August and we are now looking to try and remortgage. As the house does not…
