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Mortgages & endowments

Archives for January 2010

Home solicitors llp
I feel like such a fool, I have appointed Home Solicitors to complete a sale and purchase and have only found out that they are probably affiliated with Wolstenholmes (firm with 1000+ negative reviews). My buyer has received the draft contracts and the paralegal dealing with the transaction has received the draft contracts…
How can I sell my house if I have a second charge on it???
Can anyone please help.... I need to sell my house as I am falling into more and more debt and am now struggling to make the repayments due to a large decrease in income. I have a Northern Rock Together mortgage.... which is a mortgage and unsecured loan in one.... but I am in negative equity. I've spoken to Northern Rock,…
Remortgage - what should we do?
Hi, Our fixed rate mortgage (5.28%) is due to expire at the end of March. We will revert to the Nationwide Base Mortgage Rate (2% or so above base rate). Given that interest rates are likely to rise this year we are keen to remortgage to a fixed rate or perhaps the Nationwide's Switch & Fix. The only problem is pretty much…
Can I get a better deal?
Hi all, I'm looking at the HSBC Life Time Tracker Special. After searching around the sites of the banks themselves and also comparing on moneysupermarket, this seems like the best deal for me, but thought I'd run it past some fellow money savers first. I have a £70K deposit if I'm very cautious and the property I'm…
Leaving the Country - Unwanted House
I am soon to leave the country for a new life in America. Up until last Friday my house wasn't an issue as my brother had moved in and taken over the mortgage payments. It was his intention to buy the save a deposit and buy the house from me. This has changed and I'm am left in a difficult position. The house is valued at…
Advice for guarantor mortgages
I am currently paying £750 pm rent for my property and im tired of giving away all that money each month when i could be paying into a mortgage and building a home for my young family. Ive been searching the net for possibilities of getting a mortgage using my step father as a guarantor, although i dont have a fantastic…
Changing a mortgage from residential to BTL (Abbey)
As per the title, has anyone had experience with this? Do you know how flxeible Abbey/Santander are? Do they insist on a certain % equity in the house, or will they just change the mortgage to BTL on whatever products they have available? Not planning this just yet, just wondering if anyone knows about it. Thanks
Best Comparison Website?
Which is the best to check 90% mortgages with all available deals on and the ability to compare those with/without fees etc? Thanks.
how late does a payment need to be 'missed'?
Hi all Last September my work changed my paydate from the end of the month to the middle of the month. I was given plenty of notice so it's not their fault but I didn't set up my new standing order to move my bills money into our bills account in time for my mortgage payment to come out. I realised the next day and called…
mortgage mistake
Hi, i'm young and possibly stupid. I'm a hard working lift engineer, I bought a house about 3.5 years ago with a 100% mortgage because I have an appalling credit rating. It meant borrowing on a fixed 6% rate for two years, i got it changed for another 2 year fixed rate when the time came with cheltenham and gloucester. I…
rent to buy...
Been looking through the web, found a new thing. Where you agree to rent a house from a housing association or some other scheme for a set time, they then give you it back to use towards a deposit for that house on a mortgage. i seen Homebuy do it but thats only available in England. Does anyone no if available in…
how? remove untracable x's name from mortgage
my partners ex husband left her and she got a devorce approx 15 years ago the solicitors at the time didn't sort out any thing with the house,she was left to bring up 2 kids and he has never payed a penny towards them or the mortgage,over the year to cut a long story short the arrears have accumilated and approx £120,000…
how? remove untracable x's name from mortgage
my partners ex husband left her and she got a devorce approx 15 years ago the solicitors at the time didn't sort out any thing with the house,she was left to bring up 2 kids and he has never payed a penny towards them or the mortgage,over the year to cut a long story short the arrears have accumilated and approx £120,000…
Fixed Rate Mortgage Collar
I have a fixed rate mortgage that ends this year and ive just found out that my mortage company (Halifax) last year added a collar of 3.5% to my mortage. I was expecting to go onto their SVR which was set at 2% above the base rate. Is there anyway I can challenge this as I didnt agree to this almost 5 years ago when I took…
NatWest ERC payable when?
Afternoon, Hopefully my lodger is buying my flat this year and we're both saving the amounts we need. As I am re-paying my mortgage early (5 year fixed rate) I get charged 4% ERC charge of £2502, this may not be payable anyway as I am planning to use NatWest again and I believe they refund all/part of the ERC charge if you…
Re-Mortgaging SO Heelp!
me and my other half are due to re mortgage our SO property in April and I was wondering what actually happens? What are the processes and what do we actually do? Do we need another solicitor do we need to pay any more money for fees? we are looking at getting a fixed deal obviously, hoping there will be some good deals…
How much deposit?
Hi, sorry if this has been asked loads of times, but I've lost touch with mortgages at the moment! I just wondered what sort of deposit you need to put down now for a property. We're considering a £150K property, earn £52K a year between us and have £20K deposit. I don't think it's enough - do we need 25%, which is what…
advice on getting a new deal
I am almost at the end of a 5 year deal with Abbey, and would be interested in getting another deal, but don't know where to go. my credit history with my mortgage is excellent however other debts are not? will other companies take into account the behavour of my mortgage payments/history
First Time Buyer Advice
I have a feeling that I know what the answer to this is, but I am really struggling to come to terms with my situation and it is highly annoying... I have a solid income and have been told by my bank that I can have a mortgage (on my own) of upto £90,000 with repayments that are around £400 per month I am renting at the…
Cifas- can anyone give any advice on this
So here is the dilema... I got a mortgage with Halifax 9 months ago, in the terms it states the mortgage is portable. So me and my partner think we do want to move house, as unable to settle where we are. We go to halifax then agree print all the form etc out, and say hold on somethings come up on CIFAS! we need to…

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