-
can we get a mortgage
hi all new to the forum and mortgages so need advice we are looking to buy our first property and are looking at houses around £150000 we have a 70% deposit so only need a small mortgage we have had bad credit and are self employed with no accounts please could anybody tell us if there is any hope at all of getting a…
-
how do i know my endowment mis-sell claim is out of date?
My endowment goes back to wild west days of 1986 and i always believed i was unable to make a mis-selling claim-but through this site i might have a valid claim but i dont know if i am out of date? i had my first red notice in about 2005/6 and the policy has only 17 months to run-its late in the day i know!!-
-
Landlord offered deal re: house purchase
We currently rent a beautiful house. Our landlord wants to sell but we have been unable to get a big enough deposit together (need £40,000!). They have thrown us an offer that we like and can work with but can't find any info on whether it's possible. They have offered to retain 1/3 (or 25% - left that up to us to decide)…
-
95% mortgages
Is there any 95% mortgages around anymore? Me and my fiance are looking to buy as soon as possible. we are looking to spend between 80,000 - 100,000 and we have saved enough for a 5% deposit plus fees. Just looking for some advice about where to look or if we are looking for something that doesn't exist!!
-
Small mortgage/loan req short term
Hi We recently sold our home and paid off the mortgage. With the profits we have of £205,000 we bought a semi derelict coachouse and land with pp to renovate. This purchase cost £160,000. We have £40,000 left from the proceeds and savings of £55,000. We need £160,00 for renovation costs and therefore need only to borrow…
-
interest rate future
İ am new to this site and therefore maybe asking naive questions! İ have read lots of links concerning interest rates and am right in concluding that there is a fundamental anomily in the system. İ have 2 interest only mortgages on 1 property with the same lender-i took them in 2005 and 2006 and both have reverted to svr…
-
2nd mortgage
Hi, I've been a fan of these forums for a long time - but this is my first post. I have read through all the threads, and have for once not been able to find an answer. I currently have a mortgage with my wife, and have a LTV of around 60%. I'm considering buying a second house (50/50) with my parents - that they would…
-
old chestnut on endowment redress
i started my endowment back in 1986 and was definately mis-sold it and face a balance short fall-why was there never a chance to challenge the mis selling of older endowments? Also due to circumstances i cant get sight of my yearly statement and was wondering if anyone knows of a site i can get an idea of the forcast…
-
Meeting with Mortgage Broker
I have arranged a meeting to discuss my options, i assume these meetings are fee free? No fee was mentioned
-
First Morgage Help...
Hi All, Some advise is needed... My partner and I are looking to purchase our first house, in the next couple of months. * We will have over a 15% deposit. * We are both currently employed. * I am currently in a permanent position (3years) and my partner is a contractor (whose current contract is due to expire in…
-
Marriage Seperation => 2nd Mortgage
Hi Folks, Me and the Mrs are separating (amicably). I'm planning to buy a house for myself and hence will be getting another mortgage to do this. I'm wondering what advice folks can give. Should I go to my current lender for another mortgage? I'll probably want to increase the loan on the current house to get a good…
-
my mortage deal is up
hello i had a set mortage this past 2 years with abbey it was set at 5.7 % it ran out in december and i thought happy days my mortage will drop from 540.00 a month to about maybe 300 .00 but it only went down to 468.00 i currently owe 72.778 pounds they are ghargeing me 4.240 interest rate i think this is still alot to be…
-
Crazy numbers !
Hi, complete newbie here be gentle with me ;) I've recently thought about borrowing against my home to have some improvements. I've no mortgage at present and thought I wouldn't have any problem raising 40k (approx 14% LTV!!) against a 15k income, but how wrong was I! I've been offered 11k (seriously) and wondered if…
-
getting a 2nd mortgage when I already own a place
Hi, I bought a flat in July 2007 (well my parents did and continue to pay the mortgagebut my name is on the mortgage, so technically I think it is classed as mine). I am looking to buy a place with my boyfriend in a year or so, sooner if possible. He is a first time buyer, presumably I am not. How will this affect things…
-
RBS online mortgages???
Hi, I was wondering if you guys could help, i have literally just taken my very first mortgage at the grand age of 19 :j and i was wondering how / if it is possible to view my mortgage account online? (just because i love seeing figures!!!!!) My mortgage is with RBS. Thanks in advance :)
-
Professional Mortgages
Does anybody know anything about these? If so, can you recommend brokers?
-
Mortgage Broker - poss incorrect info?
I've been dealing with a mortgage broker (independant + whole of market) to obviously sort out a mortgage on a flat, I originally stated that I wanted a product which had no early repayment charges, but was then led towards a 3 year tracker (A+L), which did have early repayment charges if the mortgage was paid off within…
-
Halifax inconsistency with policy on valuation and home report
I am looking for help with this please - I'm in Scotland and recently my partner and i split up, we then owned a house jointly which sold very quickly given current recession. We had a Home Report done as required, and both applied for exactly the same mortgage product from the Halifax. We used London & Country as the…
-
Applying for Mortgage
Hi! Hopefully I will be applying for a mortgage next week (if my offer is accepted!!) and as I have never done this before I want to be as well prepared as possible to make it happen as quickly as possible! I have a mortgage in principal but obviously I need to apply for the real thing! What documentation will I need? What…
-
95% Mortgage, should I pay some off?
Hi All, Apologies if this is in the wrong place but I need some mortgage advice and wondered if I could get some help here. My situation is that I was a first time buyer in 2007, purchased a flat for £140k at 95% value - which I wouldn't get now I am sure. My interest rate is at a shocking 6.75% fixed for another year.…
