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Northern rock taken two payments and left me with £0.31
Just checked my bank account and found I have 31p on Xmas eve due to Northern Rock taking two mortgage payments this month. And they are now closed for xmas and I have direct debits to pay between now and the 1st. Any suggestions?
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Scot Am Endowment values
If anyone has had a Scot Am endowment mature very recently, I would be interested to know what the shortfall was. Mine matures in May and I would just like to get an idea. Thanks.:beer:
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good job but need mortgage
Hi everyone, my name is Alan and I am new on here. I am a senior registered nurse on a basic pay of £37,000ish per annum. My partner earns about £25,000 per annum. I was separated 2 1/2 years ago and have no savings for a deposit. I am seeking advice on what is the best way to get a mortgage as due to the 100% deals not…
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Advice please
hi i applied for mortgage in oct09 its been approved however we were in a chain the seller couldnt agree for a date and it got delayed a lot. but now seller has agreed to move into rental in january and there is a better interest rate from the same lender could i ask for that new rate?? thanks in advance
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Mortgage Provider?
Hi, We've been discharged bankrupt now for nearly year and we've been told that we may have a chance of being accepted for a mortgage? Is this true? We do have a deposit which should be big enough. If so can anyone recommend any mortgage providers? This may be wishful thinking but i just wanted to check what someone has…
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LTV/home value
I bought a flat in April this year, FTB. I'm currently overpaying my mortgage by a small amount in order to improve my LTV, it's a 3 year fix at 5.29% 85% LTV over 25 years. My question is, when my fixed rate ends in April 2012 how does my lender work out my new LTV? Do they look at recent sales or is it generic market…
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woolwich mortgages changing SVR massively
"Edited - to say this affects the mortgage reserve users only - and won't affect my main mortgage. Since I don't have a reserve account all is okay for us. Thanks for support last night though!" Hi we are currently on a fixed rate with the woolwich which expires in July. We have been paying over the odds since we took it…
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Will this effect my chances of getting a mortgage?
Just got two new credit card from my current banks. I will be applying for a mortgage in Jan, because I have taken out two new credit cards will this effect my rating when applying for mortgage? I have no previous loans, never late on payments, no bad credit history. Please advice
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Landlords offer notice: private contract?
Last Friday we received a letter from a solicitor containing the txt RE: Notification of the sale of the Freehold/Long leasehold interest in (our address but not specifically our property but the estate name) Dear Sir, On behalf of the landlord, we enclose formal notice pursuant to S.5 Landlord & Tenant Act 1987. Yours…
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Best deal?? What to do????
Currently looking for a best deal ( ftb) with this: deposit: k110 value of property (se): k220, joint income: 50k Almost convinced to go for 5y/fixed. The best I've found so far is: Leeds BS ini: 4,75% then 5,49%, mortgage for 20years.Would like to buy later next year, after election. Would you recommend what to do in…
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Secured Loan and Mortgage Charges
Hi All, I have taken out a secured loan with Endavour Personal Finance in 2005, and a Mortgage, since then I had so many charges and there interest is so high, do anyone know if I can calim the charges back or the interest and how? Thanks Mouna
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Why can't the Abbey do the right thing
My wife and I divorced in April this year, we both shared a property on which we were both paying the mortgage, part of our parting agreement was that I kept the property, continue to pay the mortgage by my own means and have my ex wife’s name removed from the mortgage and the deeds. I have continued to pay the mortgage…
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Looking for new mortgage deal - advice needed
Apologies for a lot of waffle but I'm pretty clueless with these things. I'm looking for some advice regarding a new mortgage deal. We have paid off just over 20% of current mortgage. We are expecting our first child and will need to move house when we are ready for another so we need a fixed for 2/3 years then a…
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Mortgage Arrears- Advise please
Hi All I am going through a messy divorce and my estranged other half has stopped paying the mortgage, it is now in arrears of £7,000 and is now being referred to solicitors for repossesion. (We have a suspended order on it) I am able to pay £400 a month towards the mortgage but cannot afford the arrears. The mortgage is…
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Friends Provident Endowment
I have the above policy which matures in dec 2010 and pay £50 per month and is no longer used towards a morgage. This policy has a shortfall of over 33% and have kept it going thinking it will make up some of the losses (Wrong I was) but now wonder If I should cash it in, as even todays value is £300 less then last…
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Can I apply for a standard mortgage?
I live in a barn conversion. My dad lives next door. When we converted the barn, there was a restriction in the planning that only a person related to the family in the main house could live there full time. If the owner is not related then the property may only be used as a holiday let. So, the question is, can I just go…
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HELP! - Wolstenholmes
Have Wolstenhomes Solicitors gone out of Business???? I was due to complete on a land purchase with their Birmingham office (Martin Trott) last Friday 18th Dec but due to my Seller not signing the contract in time I was told that I would have to complete this week, but as the "Birmingham Office" was closing on Friday the…
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Ex Husband Not Payed Mortgage for over 4 years
My Ex husbabnd and I divorced 1 Year ago but have been separated over 4 years. He has not payed anything to the joint mortgage we took out. The house was mine originally through the council right to buy scheme as i was the sole tenant and he came onto the mortgage 2 years later when we got together. Sine he has moved out I…
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NR Tracker Rates - when lifetime may not mean lifetime!
After following the Natwest thread & others about tracker mortgages, I thought I'd dig out my original mortgage offer details. Now somewhat worried, & waiting to see what happens to N&P customers as if N&P get away with raising their rates then I'm guessing NR may not be too far behind. I have a NR Flexi Tracker for Life…
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Deposit %
We have equity in our spanish property,we are fully re mortgaged (on our UK property)when building the property in spain,with banks etc wanting a bigger deposit and you get a better interest rate was wondering if I can somehow use this spanish equity to raise our deposit %.
