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Any CCJ's mortgage out there?
Hi there... I have recently applied my first mortgage with no luck because of my CCJ in 2007. I have already put an offer on a new build house which is worth £150,000. I got 25% deposit to put on and would like anyone to advise if there is any lender would lend base on my credit? Please kindly help!
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first time mortgage help
hi there ppl,im 26 held a steady job on a resonable wage and im looking to buy my first house,my credit report has my rating as 'poor' as when i was younger i made a few mistakes but ive not defaulted on any account i.e phone bill insurance or c.c in the last year or 2,ive applied for loans in the past with no luck,so im…
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Overdraft question
Does the fact I have an overdraft impact getting a mortgage? I habe become totally debt free (hooray) as far as cards and loans go. Just paid off my final loan but have not paid any attention to the overdraft. Its for 2500 and I have had it for years. I never exceed it (as in go unauthorised) but get paid about 2800 each…
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Remortgage valuation help needed.
Hi all, not really sure if this is the correct board. I've been in my home for 6 months and was a 1st time buyer. I brought with a LTV of 75% in Feb of this year and am due to remortgage in Feb 2012. I have some money saved away just in case I cant get a good deal, rates go sky high or the value of my home goes down. At…
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Question for brokers????
hi folks, has anyone tried to do an abbey aip late this afternoon? i have tried a few times with a straightforward case but it keeps coming back outside lending criteria? let me know what i am misssing?
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Fixed or a Tracker?
The thread title says it all really. I'll be looking to re-mortgage over the coming few weeks and have been searching the market looking for a good deal. I have around 30-35% equity in my house and know I should therefore be able to get a good competitive deal. I have in the past preferred the security of a fixed rate…
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Standard Life Endowment Surrender???
Hi All Hoping someone might be able to point me in the right direction on making a decision on what i should do with my SL endowment. Pretty poor history on this kind of thing and my brain is mush reading up on it. Have a Standard Life Endowment due to mature on 2019 and received a red alert warning summary last month.…
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Interest Free Mortgage better than renting?
Hi, I'm not sure if this is in the right place for this question so apologies if it's not. I have rented for about 7 years now (never had a mortgage). I now pay £775 rent per month. Is it worth me trying to get an interest free mortgage to get on the property ladder rather than throw money away as some like to call it? My…
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Mortgage Int rate advice
Hi all, got a letter this morning from lender (Birmingham Midshire) to say that our 2 yr fixed term has expired and telling me new rate. It has gone from 7.8% to 2.0900% above BoE rate (0.5%), obv this is great news with a monthly reduction in payments of just over £250. I know that no-one can predict what will happen with…
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mortgage broker - finance advisor
When i brought my first house i used Endsliegh financial services and got free advice and they were really good. Im moving home now, and i need a financial advisor or a mortgage broker, but ive had a look around the web and their websites put me off contacting them. Does anyone know a reputable company to go too? thanks
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Fuming...advice needed!
Hi All Hope someone can help. A description of our circumstances. My partner and I viewed a property through an estate agent and liked the property so much we made an offer throgh this agent. They came back to us to tell us the seller would accept our offer and take his property of the market as long as we had sold our…
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selling unit link endowment policy
Are there any companies out there that buy unit link endowment policies or is my only option to cash it in with the provider (Winterthur)? Thanks.
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mortgage in principle
Hi i am a first time buyer. I have recently been visited by a mortgage advisor where i asked to borrow a certain amount with a 15% deposit. I looked at the possibility of applying for a £10000 grant from the council (for first time buyers) which would mean i'd have two charges on my mortgage - one from the bank and one…
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Will I ever get a mortgage again?
I have been blacklisted and want to move house. I got my current mortgage while blacklisted but I know there arnt many options at the moment. Does anyone know if there are still companies offering mortgages to poeple in my position? Many thanks :)
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Aviva/Norwich Union Bonus Statements
Every year for 20 years now I have had a Bonus Statement - re my endowment mortgage - from Aviva (and their various predecessors) - usually in June. I have so far received no Bonus Statement this year. I wrote to Aviva and they have informed me today that "they are currently unable to issue bonus statements". How can a…
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Why do HSBC want my house insurance details
Hi, We are currently applying for our first motrgage with HSBC, however they want us to provide full details of our house insurance how much we pay, how much the cover is and when we renew, we live in rented accomadtion therefore is not the buliding part they are interested in. The won't process until we give them this Why…
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How old do i have to be for a mortgage?
Or does it just go by salary affordability and credit rating? Any other factors? Also who is the youngest mortgage free member on here? Im looking to buy in 2011 which is a while off but looking to get all the info together that i need. Also dont know how to estimate the cost of bills and food etc aswel as the cost of the…
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Nationwide Mortgage - should we ditch now ?
Hi all, My partner and I took out a 25-year repayment mortgage, fixed for 5 years @ 5.19% APR, with Nationwide in May 2005. The mortgage was for £100,000 on a property valued at £169,995. The balance currently stands at £85,880.12 (for nine of the last twelve months we have overpaid £500). Our fixed rate deal (aka "benefit…
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has lost her 2nd job since last application.
M y wife's friend is in a pickle. when she last applied for remortgage she had a second job and earned far more than now..she has a mortgage of 61k remaining but only now earns 13.5 k a year and she also owes 1k on a credit card... she is worrying about it and thinks she should not tell them about the change in…
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Extensions and mortgages
I'm looking at having an extension. I've been in my house for 10 years, have about £110,000 on the mortgage and guestimate the house to be worth maybe £250,000 now. I expect the extension to cost approximately £100,000. Can anyone tell me the order to do things.... Have my house valued as is Have plans drawn up Apply for…
