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Mortgage on Benefits
Is it possible to get a mortgage while in receipt of DSA or other benefits?
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am i likely to get accepted? DIRECT LINE
Hi, basically me and my ex split and we have a mortgage together, She wants to be removed from the mortgage we have with direct line RBS. she does not want any money off me. Here is my situation I am a Police Officer at the start of my career and have only been in for 6 months and my salary at the moment is £25300 pa. This…
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Is it worth me doing this?
My fixed rate morgage finishes in another 2 1/2 years time. The interest rate is 6.24. Would it be worth me paying to get out of the fixed rate and going for what ever the rate is now? Also how much is it to get out of a fixed rate morgage before the end of time? Thanks rigs
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are there any 95% ltv mortgages out there?
As the title says really , are there any 95% ltv mortgages out there? We sold our very small house 3 months ago now and are currently renting , we have some funds left from selling the house but only enough for a 5% deposit plus fees etc. I've seen a few suitable places we could buy but it all depends on if we can get a…
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first time buyers
Hi me and my partner are first time buyers we have a deposit for the property. My partner has very good credit rating but mine isnt as good will this affect our application?? many thanks:j
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Northern Rock restructure - can I use this to get out of ERP?
Hi All I have received 'the' letter today from Northern Rock informing me of their restructure. As part of my mortgage i have a hefty Early Repayment Fee of around £5k, which still has 2 years left. Due to the restructure is there any angle I can exploit to to move my mortgage to another lender without incurring the ERP?…
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BOE Interest Rates Mystery?
I am looking at remortagaging at the moment and as a mere layman i was wondering why there is such secrecy, uncertainty and mystery over what the BOE do with interest rates? Surely a clear process where they said we are rasing to 1% but keeping it there for 6 months would allow people to plan properly and manage their…
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Remortgages for the over 55's
Are there any lenders out there prepared to lend on a 10-15 year basis to a 57 year old couple? thanks for any imput Tony
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Major Problems, Repossession Possible
Long story, sorry in advance. I'll try to shorten where possible. My girlfriend is seperated from here family in living situation, she lives with me. In 2008, she passed them a 10k deposit on a 110k house. Agreed to put her name on the mortgage as if they needed help to pay it, she would. Fastforward to January 2010, the…
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Mortgage advice wanted
Hello...Still quite new to this and still looking for advice on mortgages. I'll try and keep it as short as poss, but any advice gratefully received. Currently on 2 year fix at 5.69% with Natwest, which ends at the end of March. Mortgage has 28 years left to run, currently paying out around £390 per month, and had 50%…
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Mortgage Question re ovepaying!
Hi I have an offset mortgage currently at £35,000 interest rate 1.05% my questions is am i better overypaying now or waiting until the interest rate goes up as surely if i am paying now its coming down quicker than it would if rate say 2%, this is really confusing me as i read lots of posts on here telling people its a…
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Help me please - Default worries
Hello everyone, Hoping for some advice please. I sold my property last year and I used some of the equity to pay off all my outstanding debts. I was on a Debt Management Plan at the time. I got into money trouble following the breakdown of a relationship years ago. I have 3 defaults on my account, two dated 2005 and one…
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Rent or buy?
Sorry put in wrong section
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3 names on mortgage? Can u remove 3rd name ater purchase?
Just wondering if you have 3 names on mortgage eg me, my husband and dad, is there any way to remove my dad's name after purchase. I read somewhere that u can only remove the name by refinacing but I'm not sure what this involves. Thanks everyone:beer:
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Is it possible for us to get a mortgage?
Hi, I recently went to self employeed (around 10 month ago) and my wife is full time employed. We have a joint mortgage at the moment and the balance is 27k and we have a saving around 58k. This week we found a flat quite intesting and offer price is 125000£. Is there a chance that we can get a mortgage? We have one…
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can I/we buy a 2nd place?
Ok Here goes, Here are my details: Salary: £40k Mortgage: £100k Property Value: £160k I currently rent out 1 of the 2 bedrooms in my maisonette (I’m 7 years into a 25 year mortgage), for a total of £450 a month. I want to buy another place to live with my girlfriend, who earns £17k and between us we have £40k for deposit…
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Mortgage problems with the ex, any advice?
Hello, I'm looking for some advice please. To cut a long story short here are the facts: 1) My partner left me for another woman, before he left he ran up a £4k credit card bill in my name (he was an additional card holder) on hotels and gifts for his new woman. 2) We have a joint mortgage, which sincehe walked out a year…
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Best Fixed Rate Mortgage???
My fixed rate of my mortgage is coming to an end in April and I'd like to find a good, long term fixed rate mortgage. Although I'll also be doing my own research I just wondered if anyone had any recommendations - and why you're recommending it. Many thanks Emma
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Current mortgage situation for self employed first-time buyer
Hi all. Can anyone advise me on the current situation regarding obtaining a mortgage as a self-employed person? I'm looking to buy in a 6-12 months but am aware the game has shifted substantially over the past few years. My situation: - Self employed since 2003. - Profit (not turnover) of around £25k per year, documented…
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mortgage query currently with accord a 6.29% fixed
Hi all, We took a mortgage out in August 2008 with Accord at 6.29% we live in Northern Ireland the Mortgage was taken out for 95000 and is down to around 90000. We can not change until end of July due to early repayment fines. Just wondering when we should start looking. We went to the The Mortgage Shop before and took all…
