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Do I have any remortgage options as I'm unemployed?
I've had my mortgage since 2004 and have always had 2 year fixed rates. 1st remortgage in 2006 cost £0. Next remortgage in 2008 cost £395. Current fixed rate ends March 2010 and new fixed rate options will cost £995!! Why does my provider charge me nearly £1k to stay with them? It can't cost that much to key a few numbers…
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Buy-to-let help!
We are in the process of buying a property with a buy to let mortgage but have just been advised that the lender wont give us the mortgage because it doesn't class as A1 condition - now, I agree the property needs some work to make it tenantable (such as a fitted kitchen and some redecoration) but this work could be…
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Re-mortgaging
My mortgage is coming up for renewal. Since my last re-mortgage I have been made redundant and have no steady income coming in, although I am now self-employed. What is my best route renegotiating. I have savings which I can get hold of and I have changed my mortgage to interest only for the time being. What deals are out…
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Anyone used Coneyancingexpert.co.uk before?
Part of Home LLP? I have just got a quote from them 35% cheaper than anywhere else for a transfer of equity including all other charges. Anyone had experiences of them good or bad? Thanks
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How Long Do I Have To Wait Before I Can Remortgage?
Good Afternoon, I am just looking for some advise. I completed last week on a Repossessed Flat that I will be living in at a cost of 100k (90k mortgage). I spent the weekend painting, decorating and furnishing the flat and had it valued by an estate agent this morning at 135k. I would be keen to release a proportion of…
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norther rock early repayment charges
Hi, I currenty have a mortgage with northern rock which is a five year fixed 'together' package. I am trying to move house and have been told by NR that I can move the mortgage with me however I am not sure if they will be giving me as good a deal if I move to another provider. The problem is of course that i would have to…
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Shared Ownership to Full Ownership - Is this possible?
I am after some advice please based on the following situation and any advice would be very well received! I currently have a shared ownership property and a mortgage for £85,000 (balance of £80,000), I have the chance to buy the other half for £90,000 and my partner and I are looking to purchase the other half. He already…
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Advice regarding existing mortgage
I signed up to a 3 year fixed term deal September 2008 as a lone applicant. Since then I've met my current husband and got married - he has sold his flat and we live together in what was my house. I have changed the mortgage into my married name but to add a new person to the mortgage we need to see a mortgage reviewer,…
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Cant fix mortgage..
We have a mortgage with NR at the moment, the fixed deal came to an end last Feb, and we have been on the SVR ever since, and whilst interest rates are so low, we are holding on for as long as possible. I contacted a whole of the market mortgage company last week, gave them all our details, but since we got this mortgage,…
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Mortgage Packagers
Hi Does anyone know anything about them? Are they any good? worth using? Thanks
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2 nd charge
I have in arrears on my mortgage. I have a second loan which is a charge over the property. I am in arrears in that too. I have been told by my first mortgage that even if i am in arrears on second charge the second charge cant try and repossess my house. is this right?/ i live in northern ireland
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Nationwide?
Hi, I am a FTB and have had an offer accepted on a house. I've had an AIP from the Post Office for a life time tracker - "BBR + 3.09% for the duration of the mortgage". Though they will charge an EPC if I wish to fix at some point in the next few years (before interest rates start their gradual rise again which seems to…
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Self Cert Mort Req - what to do?
Hi We are with Standard Life at moment on the SVR of 5.34% - they have said they are not offering any remortgage deals. ***t. We were relying on this as we can only do self cert and noone seems to be doing this now. Are we screwed?
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Can I change job as soon as my mortgage has completed?
I want to relocate and change jobs this year. I was wondering if the following is possible/allowed (as far as the mortgage providers are concerned). 1. Sell current house thereby releasing equity. 2. move into a Rented property in my current location. 3. Buy a property in the new location (would require new mortgage). 4.…
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Northern Rock hands £10m of YOUR cash to sponsor football team Newcastle United
"Northern Rock sparked outrage yesterday after revealing plans to spend up to £10million sponsoring a football club." Read more: http://www.dailymail.co.uk/news/article-1244254/Outrage-10m-public-cash-spent-Northern-Rock-sponsorship-football-club.html#ixzz0d2a45mf4
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divorcee seeks mortgage advice
I am a divorcee and took out a mortgage with my ex-husband 2 years ago. Since then, he has not contributed a penny towards the repayments and , for obvious reasons, I would like his name to be taken off the mortgae. However, I have a CCJ and have spoken to my mortgage company but they will not entertain the idea. I have…
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CHB, tax credits and maintenance payments counted in affordability
Hello, does anyone know of any mortgage providers that take account of child tax credits, child benefit, and CSA payments when looking at affordability?
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Equity Release
Not sure if this is Mortgage related or pensions....so I have posted on both forums! I can't find much on this website about Equity Release/Lifetime mortgages. I have a house currently valued over £400k (was £450k before credit crunch!) built on my late parents land and partly funded by their inheritance to me. I have no…
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Specified Illness Insurance payout, should I clear Mortgage?
Hi there Just looking for some general advise regarding the subject. I know this is a UK board, and I am Irish, but the choices would be the same. I have been diagnosed with Bowel Cancer, have had the Operation, now on Chemotherapy, so far, so good. Also wearing the old ileostomy bag. However, prognosis is good :j good :j…
