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Anyone know what these lenders' SVRs are right now?
Hi all I have three mortgages with : 1) Lloyds TSB Scotland 2) Northern Rock 3) GE Home Money (arrrrgh!) All of these are coming up for renewal soon, I think (I'll need to check for sure). Where could I find info about what these lenders' SVRs are right now? Would I need to call them? I'm wondering if it might be to my…
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Property Abroad can i get a mortage based on that?
Hi first post and looking for some advice I own a property abroad i have no mortgage on it but have just under 5 years remaining on the loan before it is paid off, I'm wondering if i could get a mortgage easier with this behind me i will be a first time buyer but dont have enough savings to cover most of the 75-80%…
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Graduate Mortgage help
Hi What's this graduate mortgage option? I earn 20k in my job, but also have a second job so my income is about £30k. I am a recent graduate, and want to purchase a property costing about 85k (hope hope to knock them down). I several months, so am happy to save up 5-9k for a deposit, but apparently these graduate mortgages…
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Can temp worker and student on bursery get a joint mortgage?
I earn about 8500 per year, working through an agency part-time. And my partner gets paid around 18K student bursery each year. I phoned a high street bank but they said if not permanent workers then we can not get a mortgage. We could actually put down around £40,000 deposit, and we are looking at buying a flat which has…
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Mortgages & credit cards
Hello I have been issued with our mortgage offer from C&G, however we were planning to sell our boat which will help raise the £12k stamp duty required. Can I transfer a balance on a credit card to cover this while I'm waiting for the sale on our boat to complete? Or will C&G find out and not like this and withdraw my…
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Transfer of Equity process?
Could anyone help with this one - I keep asking my solicitor but they never answer this point. Does anyone have any idea roughly how long it takes to effect a Transfer of Equity on a property - it's from my sole name to me and my partner so that we can take out a joint remortgage. Thanks very much
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Incorrectly remortgage with a new provider
I had a Fixed Rate mortgage with Barclays and the fixed term ended at the end of November. Without checking what the new interest rate on the mortgage will be after the fixed term ended - I agreed a 2 year fixed with First Direct. On the 2nd of December my mortgage moved to First Direct at 2.99 fixed for 2 years. After the…
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HSBC mortgage application advice pls
We currently bank with HSBC and have a good account with them. We have just had an offer accepted on a house and I would like to use HSBC for the mortgage. I did a quick online agreement in principle before viewing the house as the estate agents required proof of funding prior but I'm a bit concerned about outstanding…
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Buying first house
I'm looking at buying a house which has been reposessed. The asking price is £69,950 and I want to offer up to £65,000. My main reason for wanting to move is to save money on my rent, which is pretty high for a flat which I don't like. I bank with Abbey so phoned them up asking about the deal they do for existing customers…
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What will be involved
Hello. My partner and I are looking to buy, looking on Right Move we've seen a place that ticks all the boxes. The only thing is that in the details it says that a 50% share is for sale, I have heard of 'part buy' but what would be involved for us to get a mortgage of this type.? is it a complicated process.? etc.. Thank…
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please can someone advise re deeds
Please can someone tell me if it is possible to get a copy of the proprietor register off of the land registry site that shows that my mum and dad bought their house together prior to it just being transferred into her sole name? thanks have now posted it in house buying sorry guys
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Is it possible to take out a second mortgage these days?
I remember when I was a kid, my parents took out a second mortgage on their home, with a different lender to the primary mortgage, and the second lender took a 'second charge' on the house. Will any mortgage lenders offer second mortgages these days? We would like to build an extension to our house at a cost of 60,000, in…
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Overpayments query - can I aggregate 10% per year for three years?
Hi there, We are looking to borrow a further GBP60,000 on our existing mortgage of GBP302,595, so that we can build an extension. We are on a fixed rate mortgage from Abbey which ends in the summer of 2012, with an early repayment charge of around GBP11,000. Our mortgage terms state that we may "without having to pay an…
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Deed of legal charge - who can witness?
Quick question. Who can witness a deed of legal charge for a mortgage? It says on the letter from my solicitor that it cannot be a relative. But I was wonering if this just meant blood relatives or if it incuded someone like a brother-in-law? I need to get this done this weekend and so obviously cannot get hold of my…
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HELP please with a mortgage.....
hello, im 24 been on incapacity benefit for the last 5 years on the higher rate and also recive disability living allowence high rate mobility and low rate care.. me and my girlfriend are looking into getting a mortgage she works full time on roughly £12,000 a year. i am just wondering if we would be able to get a joint…
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Help!!!
Hi, I desperately need a mortgage for 70k on a 50% shared ownership house I've found. I have a 25% deposit and earn 35k a year but I also have a not so good credit history - few missed payments usual crap. I am willing to pay a HIGH rate of interest providing I can move after a year - anyone got any ideas who I should…
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possible to mix repayment and interest only mortgages?
Hello folks I've searched the forums and not found this question asked - forgive me if I'm wrong:o I currently have a house worth approx 200k and a mortgage of 100k. It has (gulp) 7 years to go on a ten year fix (made that decision when got stung in 2005 when our monthly payment went from 450 to 750 in a few months and…
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FTB Mortgage
Hello all, I am probably repeating a question asked by many on here, if thats the case, I apologise. I want to purchase a one bedroom flat somewhere in London for around 120K. I earn around 20K a year, but have a deposit of around 45K. Through my limited time in EA, I have been told that before looking it is best to…
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Buying Second home outright
My husband uses this forum all the time and says its great so thought i'd give it a go. We have a mortgage together which my husband had to get his Dad to go on as well so we could get our first home. A couple of years ago MY Dad was in trouble with his own Mortgage which he took out around 1985. He is terrible with money…
