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Tracking fixed rate percentages over time?
Are there are websites that track fixed rate mortgage deals that can show you a history over time what deals have been offered? It would be interesting to see the trends of 2, 3 and 5yr fixed rates in the past to see how the banks perception of the future has changed over time.
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Mortgage
Gosh where do I start, ah yes, I have had money problems in the past and am now debt free for the last 5 years but i did do an IVA. Now, my dad is giving me a rather large sum of money and I would dearly love to buy a house which would mean I would need a mortgage of £50-60k over 15 years. I am in full time employment, I…
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tb
I took out a 2 year fixed mortgage with Bradford and Bingley who have informed me that when my fix is up in June 2010 they will no longer be providing mortgages. So basically myself and my partner will have to re-morgage when June comes. Problem is we took out a 100% mortgage and our rate is currently 5.49%. We have…
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Urgent help please I am buying a repossesed flat.
I am purchasing a repossesed flat in Manchester and now my sloicitor has written to me to say that; (1) I will be liable to pay last 18 months service charges for the building, (2) also last 3 years electric charges for communal areas because there was a deficit. I have tried everywhere but nobody seems to know the answer,…
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Mortgages: Weekly payments
Hi All, I couldn't seem to see any other posts on this, so please point me in the right direction if necessary. A friend of mine has recently had her finances reviewed by an debt advice organisation, she was advised that she would reduce her costs and the length of her mortgage by making her mortgage payments on a weekly…
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Credit File - query with linked address - possibly for mortgage application
I recently checked my credit file for the first time and there is an address linked to me that neither I nor my husband have any association with. I have reported this to credit Expert and they have said that: Linked addresses are created in several ways. - When a company moves an account from one address to another. -…
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Mortgage Porting Help
Hello All, Wonder if you can help with a dilemma! We are due to move from the South East back to our native North East early next year so are about to put our house on the market. The house was bought for £289k in Sept 2006 and we're likely to get £249k for it now. At the time we put about £35k equity into the property…
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Just a quickie!
I`m sorry if this is a repeat thread but a thought just crossed my mind- In August 2007 I redeemed my Kensington mortgage. I have looked again at my redemption statement and it reads like this: Redemption fee £145 DR Early Repayment Charge £3007.28 DR Interest £2357.74 DR Total Payments £2380.69 CR Can I claim anything…
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Not earning, can I still be on mortgage with DH?
Probably a v silly question :o But I've been steaming ahead thinking about mortgages but never thought about the fact I'm not earning/working as I'm currently at home with our two young children. So, DH is the earner. Can I still be on the mortgage eventhough I'm not contributing financially? Apologies for the silly post,…
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Mortgage offer + additional credit
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virgin one account as bridging loan
i have a virgin one account using it on my private house and have just started aquiring buy to lets. the virgin account had a very low valuers fee and start up costs however the buy to let morgages are much higher £250 valuation and £2000 arrangemnet fee. im buying undervalued and destressed properties doing them up and…
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NR Fixed rate ending what options do i have
I took out a NR together product (secured 95 percent and 5 percent unsecured) two years ago at the peak. the unsecured part is on the same rate as my mortgage 7.19 fixed until sep 2010 if i decide to move away from NR i am only obliged to pay the secured part off however if i dont pay the unsecured part off they put the…
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Mortgage-free, buying house for son?
Apologies if this is an old idea, but it's new to me! I', 53 and paid off my mortgage a year or so ago. I'm thinking of buying a flat or terraced house in which I can instal my son as tenant [it will help him and should be a relatively secure investment]. Is my only mortgage option a buy to let one? I can afford the…
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Future Insurance letter
Just had a letter today from Future Mortgages completely out of the blue. We have been with them since 2007 without a single missed payment. They say that they have not received a response to their correspondence (none has been received). It then says that "As mortgagees we have arranged cover with our insurers to protect…
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Transfer mortgage to my name only
Hi all, Basically me and my partner have split and we have a joint mortgage. I want to transfer the mortgage to my name only. We have about 83k outstanding and we think the house is worth around 88k - 90k. She is willing to sign it over, but will understandably want paying off. We are with A&L so obviously i have to apply…
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NR fixed finished but payments continue...any advice?
Hi hope somebody can advise. I'm not used to this mortgage lark but we had a fixed rate with NR that finished sometime ago. We continued with them at a rate of 4.78%, the mortgage payments went down but could we get cheaper? We have a mortgage remaining length of 22 years 8 months! Closing balance 86,928,86 and unsecured…
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It's time for an Interest Only Mis-selling campaign
OK, I know some folk will say "it was your own decision" but I really believe that Interest Only mortgages are a scam. We, like a lot of folk, brought our house using interest only because it was the cheapest way and nobody checked that we could pay it back. We were gambling that house prices would continue rising of…
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First time buyer fix or tracker?
I'm wondering whether to fix for 5yrs or get a tracker for 2. There's a £60 per month saving with the tracker but I'm thinking rates can't really come down anymore. Plus I can't afford to pay more than I am with the fixed. I maybe answering my own question but any advice would be gratefully received.
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joint mortgage trouble
Have trouble with a daughter who was in a joint mortgage - the couple have now split and the man has absconded to another town without leaving details. We've only got his mobile phone number now which he hasn't changed but other than that he has completely severed contact. We need to sell the house but as he is jointly…
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Northern Rock trying to retain me after fix ends!
I was under the impression NR were trying to get rid of customers when the fixed term ends, but today I received an offer with no fee's. My 5 years fixed @ 4.95% finishes in Feb, and they are offering me a tracker at 2.59% above base rate, or a 2 year fix at 4.19%. Quite attractive considering there are no costs involved…
