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Alliance and leicester phoned me with a better deal
I have just had a phone call from my local branch,from a very nice lady.Asking if I would like to come in and see if they can offer me a better deal. I am fixed til nov2011,but she said that was not a problem and would incurr no charges for changing. I am currently on 5.34% which she said could be significantly reduced to…
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Rental Income Against New Mortgage
Hi, Can anyone confirm that if I have a standard residential mortgage, or even a buy-to-let mortgage, that any other mortgage lender will not take into account rental income when calculating my affordability? I am planning to rent my current house out in the next few months during a self build but it has been suggested…
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Who Offers Lifetime Tracker Mortgages?
Hi All Does anyone lifetime tracker mortgages at the moment? Thanks
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Best Long-Term Fixed Rate Mortgage Providers?
Hi All Are there many long-term (15 to 25 years) fixed rate mortgage providers out there at the moment? If so, who are providing the best rates and who would you recommend? Thanks
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Home Mover - what is my limit?
My wife has just told me that she would like to move into a new build property. We currently own (mortaged) a 3 bed semi. The house she has seen is priced at £165,000. Our current property is worth around £110,000 with an outstanding repayment mortgage of £90,000 We are currently on a fixed deal with Halifax and tied in…
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Existing Alliance and Leicester mortgages with high LTV
Hello, Just a quick post, wondered if it would be helpful to anyone. We been sitting on Alliance and Leicester's SVR for a while now as our LTV was too high (around 102%)for them to offer us a new deal. I called early December and was told they were making some changes in the next few weeks and to call at the end of the…
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Alliance & Leicester Mortgage Recommend A Friend (Abbey / Santander)
Last Summer, Alliance & Leicester did a Recommend a friend deal for mortgages where each person got £100 in high street vouchers. The only form I can find is an old one, does anyone know if there is a more updated one ? Thanks Tracey
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Joint mortgage and separation
Advice needed! my husband and i have a joint mortgage. I have recently left him. He remains in the property and is paying all the mortgage. On separation i was happy for him to keep the property with the intention that he would become a single mortgage owner. However he is disabled and is unable to find the funds for a…
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Fixed term mortgage on high-rise block ending in March
I've been reading this forum for over three years, so firstly, thank you for all the advice I've already had indirectly! I bought an ex-local authority 11th-floor flat in a concrete high-rise block nearly three years ago for £110,000. My current mortgage is a 95% LTV fixed rate capital repayment mortgage. This mortgage…
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Solicitor
Can anyone advise on seeking a good reliable solicitor as we will require one as we will be 1st time buyers!! Thanks, Garcon.
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Pls can you help me work this out..
Hi, Our fixed rate ended in June 09 and payments went from £1162 down to £795. We have now decided to overpay by £205 a month to try and get some equity built up. What I am wondering is, as we decrease the amount we owe, does our payment (as in the original £795) go down, and at which point would nationwide recalculate it?…
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Where to put the money to make it work for us?
We have Northern Rock together mortgage (125%), this is the last year of the fixed rate and we want relocate to a slightly larger and therefore slightly more expensive house. When the fixed rate comes to an end we transfer onto the SVR which means our repayments will be less but we won`t reduce our payments. The mortgage…
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Commercial mortgage for house & shop
I'm looking to buy a house & shop that also has a very large building attached that was used as a factory. The shop is empty & I have a retail business that I want to use to get a commercial mortgage & transfer to the new shop (we're currently renting). I have a few questions: Is it better to have the residential…
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finacial advisors
can anyone advise on a good advisor please my daughter is thinking about remortgaging and wants to get some advise but i know that there are some better than others she lives in birmingham and i have told her to get someone that is recommended thanks bill
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New mortgage - early repayment?
If I took on a new mortgage now, and in, say, 6 months time, was able to pay it off in full, would I be able to? I know the mortgage provider wouldn't like it, but if I took on one that had no early repayment penalies/tie ins etc. Thanks in advance. And hello btw :)
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Should I carry on the property ladder or rent?
We have just had an offer which we have accepted on our property (after it being on the market for 2 years!!!), the equity on our property has decreased and my husbands salary has decreased by approx £5K and we now find ourselves not being able to afford the price range we wanted so this would mean we would have to…
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Fixed rates ending
Hi all, be patient this is my first time using a forum of any type. My son is with the Chelsea building society and currently has a 3 year fixed rate mortgage of 5.49% over 35 years (32 years remaining) which ends the end of March. He origionally borrowed £202,000 which over the last three years has reduced to £198,000,…
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If I pay for a valuation, am I entitled to see it?
Just had a valuation done, and it has come back very low. I have asked for a copy, but the lender has refused. As I have paid for it, I am entitled to see it? Is there any legislation I can quote?
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Help!!! Mortgage advice needed.
Evening all, Ok me and my girlfriend are looking to buy a house, We are first time buyers. We currently private rent a detached bungalow and pay £600pcm rent, we decided if we could get a mortgage for a similar amount we would go for it, for 2 reasoons really, firstly we have been privatly renting for a few years now and…
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Fixed Rate or SVR?
Hello everyone, We took out a 3 yr fixed rate which is due to end in April and we're unsure whether to carry on with SVR or try and find another fixed. At the moment our fixed term was 5.69% on 156, 750 for 37 months. If we go onto SVR with the Bank of Ireland I think the SVR is 2.99%. this would reduce our monthly…
