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Mortgages & endowments

Archives for November 2009

explaining my salary increase!!!!!!urgent please
Done the aplication with halifax.. and they required my accountant to confirm alary for 2007 , 2008 2009 and projection for 20010 it came as 2007 = 5000 wage plus 15 000 dividents 2008== 5300 wages plus 15200 dividents 2009 = 44000 wages only projection for 2010 = 52 000. for this last one she wants to know will there be…
Recommend a Solicitor - Darlington
As the title. Can anyone recommend a conveyancing solicitor in the Darlington area please? Newish to the area and don't know anyone who's bought round here to ask as i work in Leeds. Nothing to sell, just buying if that makes a difference. Cheers :D Brighty
a bit confuzzled :-(....
Hi, The title says it all really!!!! im a serial lurker on this site and i was just looking for some advice really.... basically me and OH are looking to buy the current house we rent from OH's grandparents, we have a 10% deposit and have been to see a mortgage advisor. we have joint debts of about £2000 on 1 cc each and 2…
Are we in a good position or not.?
Hi. I'm after a bit of advice and the advice on hear seems pretty good. My partner and I looking to buy in the first half of next year.. My take home is £1200 a month and from this my out goings are only £40 for a mobile phone contract. My partners take home is £1300 a month but she has a Loan and credit card and the out…
What could I borrow and what interest rate and fee's?
Hi All, The main question is what price range should I look at? I'm thinking of looking to buy but I'm confused by the myriad of mortgage 'deals' in the tabloids. I don't yet want to contact a mortgage advisor as I've not even seriously looked at anything in the flsh (it's all rightmove at the mo). I earn £33K p.a Gross…
How much could I expect to borrow.....
This is my first post, so I hope this is in the right place and that you are gentle with me! Me and my OH currently live in a property worth around 95k, my mortgage is 55k. We are looking to move soon and have started to look at properties around the 140k mark. I am wondering what is the top limit we can expect to borrow,…
halifax mortgage
Hi all 4.79%fix 3 years £38.500 left on morgage house value £ 200.000 £ 500.00 arrange fee any thoughts on this deal !!! first post so be gentle :T
Names on Mortgage
Can anyone advise me how I would go about changing the names on the mortgage from my husband's and mine to my sister-in-law's and mine? I don't really want to have to remortgage to do this, is it possible to change names without do this?:confused: Thanks.
HELP-Lokking for 90% morgage on refurb house
My partner and I just put down GBP 500.00 deposit to secure a victorian terraced house which had a roof conversion just done, only to find out that RBS will not give us a 90% morgage as they see the house with its refurbishment as a new build!:mad: Any idea which lender will give us 90% on a refurb house!! Looking urgently…
FTB Mortgage - 2 applications on work probation.
Hello there, I wonder could some nice person give me a bit of advice?! My boyfriend and I have had an offer accepted on Thursday for a house for £180k. We have a 10% deposit and cash for stamp duty + fees etc.and thought the mortage application process would be straightforward enough as we had told the Northern bank…
On SVR - can I borrow against it?
Hello - I am sure the answer to this must be on here somewhere but I cant find it! I am currently on the Nationwide SVR at 2.5% minus 0.12% (the 2.5% been the collar). I am moving soon and wondered if I could just borrow again the rate I am on at the moment instead of moving to another deal which will undoubtedly be worse?…
Is a Mortgage Holiday a good idea?
Hi, As with a lot of people things are getting pretty tight, and carrying overdrafts over every month. We are not in a desperate situation but could do with a month or two off just to get things straight. If we are able to get one through Abbey, will it count against us in any way on credit scoring or similar. We would…
Bank statements
Hi, I have to get 3 months original bank statements from Alliance and Leicester to give to mortgage company. Alliance and Leicester charge £5 per statement, which for my current, fiance's current and joint account will be £45 for 9 statements which seems very over priced considering we don't get paper statements at all. I…
Mortgage approved, want to exchange on 1st march, would that cause problems with bank
Hi, Mortgage from Natwest was approved 3 weeks ago. I and the seller have now agreed to exchange is 3 months time i know the property agent wont be that happy cos he wont get paid till 3 months but Would that be ok as far as the bank is concerned or are they unlikely to extend the offer for so long ?
Remortgage Buy to Let Mortgage
I have a buy to let mortgage with Chelsea which is now on the SVR of 5.79%. Are there any buy to let mortgages that are better than this? I have seen a few around 5.30% but they have large fees which negate the benefits of a lower interest. Has anyone seen anything better. I have around 70% LTV.
FTB question on gifted deposit/mortgage availibility
Dear Money-savers, I would like to present you with a question I have as a FTB. My wife and I have saved up 10k over last couple of years, and we are now planning to buy a house early next year. My in-laws(UK based) are willing to gift us 20k towards our house. I am hoping that get £10k each from my parents, relative (not…
'Internal' mortgage following separation
Hello My husband and I have two properties in joint names. I owned a flat in my own name for 4 years, then just before we married remortgaged into the joint names to release some equity. Same year, we took out another residential mortgage to buy a house. I planned to rent out the flat, and with the rental income covering…
Tricky mortgage or not?
Does anyone have experience of getting a top up mortgage for say 50% of a property of approx. £160.000 (first buyers) where both partners are earning but on a relatively low income (with Child and FamilyTax Credits top up) and one partner has gone bankrupt 2 years ago (discharged)? Sounds tricky, but with a 50 % deposit…
Would you swap from fixed to tracker?
I'm currently on a 5 year fix with just over 3 years to go, paying £1250 a month (Early Repayment Charge will be circa £5k). Looking at swapping due to impending new arrival next year and better deals out there than what we are currently on. 2 best options Ive found with my current lender are; Tracker @ 3.14% (Saving £583…
who do i contact to remortgage
hi guys i currently have a mortgage with redstone this was arranged for me by london and county but was through beacon homeloans. who do i contact in order to remortgage when my fixed rate runs out beacon or redstone? also what roughly do these companies lend as in how many times your joint income? thank you x

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