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Completing Today!
I had to post here as I'm so excited! Completing today on my first house. We went through the HomeBuy Direct scheme, which we've found as an excellent method of home purchase. We're paying less for a mortgage than our rent, and can therefore put money aside to pay off the 27% equity the home builder and government have…
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Not yet repossessed looking to be rehoused by council
I have abandoned my house as I can no longer afford the mortgage due to illness and have had to give up my job. I have relocated to another town where my family live (kipping on sisters couch) and need to be rehoused by the council. Will the fact that the house has not yet been repossessed go against me ? Will they tell me…
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Mortgage - What Next Advice Pls
Mortgage currently £760 interest only. Rang Halifax today to ask if they can re-negotiate our deal as not only not paying mortgage off but finding it difficult at 7.? interest rate. Options advised no as we would need £3,800 upfront to save us £3,600 over 3 yrs (havent got 3.8k) Recommended secure collections who advised…
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For investors, that was easy. Now comes 2010
Wrong forum!
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Can I get another mortgage ?
Hi All I am lucky enough to be left my parent's family home as my mum is going to live with other relatives and the house is worth approx. £170k I would like to move into this property but would like to make approx. £70k worth of improvements first. I currently have a £100k mortgage which is fixed at 1% above base for the…
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How much interest over 2 years...?
Hi all, this may be a stupid question, but please don't flame me if it is...:o I'm a single mum and i took over my house a year ago after splitting with my ex. Ideally I would have liked to have sold up and split the equity, but the market was stagnant so we reached an agreement where i would buy him out and sit tight…
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Shared Ownership Mortgage
Hello there I own a 60% share in a shared ownership house with a mortgage from Nationwide. If I wanted to buy the remaining 40% would I have to remortgage completely or can I take out a separate mortgage just for the 40% Cheers.
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HSBC Telephone Number?
Does anyone have a 'real' telephone number for the HSBC mortgage centre that doesn't require going through the security systems? Trying to phone them, but as I have no bank account and don't use internet or telephone banking I don't have any security passwords set up, it's causing some confusion in Mumbai,:rolleyes: Been…
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End of C&G Fix and onto SVR
Hi, I am about to finish a 3 year fix on 6.99% (thank god!) and revert to the SVR with C&G, currently 2.5%. This is great news and I am planning to stay on SVR for the short term. My question is, is there an overpayment charge on a SVR mortgage? I am currently allowed to overpay a maximum of 10% a year but does this change…
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100% Mortgage or chance for a loan and mortgage??
I have to move out soon from my (now) ex-partners house, will basically have no money but my monthly wages (leaving everything behind), the good thing is that my loan is paid off so only a couple little bits on credit cards (cca £800) and no other outgoings except car insurance and mobile phone. I only earn cca 15 000…
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Mortgage advice
Hi there, Im looking for some general advice regarding mortgages. (I do apologise if I sound a bit blonde lol). My boyfriend and I are thinking of getting a mortgage together, although we have a few issues….. 1) I have quite a large deposit ~80k and he has none 2) He was made redundant in sep but now has temp work My…
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5.99% 2 year Fixed YBS or 4.99% Variable
Hello Its my first post and i am after a bit of advice please. Have 23 years left on a 137k mortgage - house value of 150k. So about 10% LTV. YBS are offering us 5.99% fixed for 2 years or i could go on their SVR of 4.99% Just wondering what peoples thoughts are?
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tracker mortgages- Rip off
Dear Forum, Norwich and Peterborough Building Society-mortgage tracker increase by 300% I have had a Life-time tracker mortgage with N&P since 2006. The tracker mortgage tracks Base Rate +1.15%. I have today received a letter that my tracker rate is to change to Base Rate +3.4%. This is 300% increase ! I thought when a…
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2 year mtg deal up in June 2010
I have a mortgage with my daughter and the 2 year fixed period is up in June 2010. What/when is the best time to look around and what should we be doing? Do we have to pay more arrangement fees etc.
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Problem with mortgage. Lapsed Application but not told by IFA
Hello I am hoping for some advice please. My husband an I are trying to buy a hoe through the Homebuy direct scheme. We applied for the mortgage though RBS just before they brough in that you had to provide a 5% deposit. The IFA applied and said "Good news its all agreed in principle which means they were happy with their…
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Mortgage Arrangement Fees
Hi all, My current deal with the Abbey is coming to an end. I was thinking that I would just take out another mortgage with them. However all the new deals they offer have an arrangement fee of £1000 (ish). This seems like money for old rope. I've been with them forever and never missed a payment. What do they do for the…
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Equity release help
Hi Any giudes or info on equity release from a house. Friends house worth about 250k and paid for. Both retired and looking to free up 10 to 30k Any advice appreciated eg are there any government approved schemes etc. Thanks
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Mortgage Penalty Loopholes??
Hi Last October I brought a house with my now ex-girlfriend. It tunred out she was having doubts even when we were signing the paperwork!! Anyhow, there is a mortgage penalty on the Halifax Mortgage until October 2011. I have, however, just put the hosue on the market, and will be moving into rented accomodation. Are there…
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Selling your Endowment
Foster Cranfield are ?? the only Coy that charge a fee "£50 + 1/3 of the difference between the reserve price we/you set, and the actual sale price". So if the reserve they set is low and the sale price a lot higher, the fee can be large.... Should you set a higher reserve fee ? (Maybe no sale then) Others (ARE there any…
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buy to Let
Does any one know where or if I could get a 95% or 90% LTV Buy to Let mortgage
