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Reserve apr
i have a fixed rate mortgage with the woolwich. i have a reserve on this account. if i borrow on the reserve will i be charged at the variable rate or on my fixed rate .
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need mortgage for council right to buy
Hi all I'm looking for a bit of advice as to what I can do/where to go with this. I currently live in a Local Authority property. I've had a RTB valuation @ £80,000. Qualify for maximum discount which is £22,000 in the north east, so offer price of house is £58,000. My income is £33,000 and I have a personal loan @£7500.…
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C&G SVR 1 year on
Had the mortgage statement through today and it says my interest for March is 3% but I thought the C&G was 2% above BOE so why would they put the rates up? I assume their estimating the BOE rate will go to 1%?
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Help! need two mortgages
Guys I need some advice, I shall try and keep it simple. I currently own a property worth £250k jointly with my brother. We are mortgage free, I earn a salary of 35k my brother due to an illness is on incapacity benefit and has no other income. I have seen a property worth £220k which i want to buy on my own. I want to…
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MSE News: Mortgage boost for small deposit borrowers
"Brokers report good news for first time buyers and homeowners with limited equity in their property ..." Read the full story: Mortgage boost for small deposit borrowers
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Mortgage Options
Hi there all, Looking for a bit of advice, well just really looking to be aware of my options! Background is House was valued at £115000 in July 2007 for a 3 bed semi I purchased at £105000, good deal I thought. Paid 10% deposit so mortgage of £95000. It is a 25yr repayment mortgage 3yr fixed at 5.67% which ends in July.…
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Carrington Carr Home Finance????
Had a visit from today from a mortgage comapany called Carrington Carr? It was after searching for a low mortgage rate online I thought I was going to go through to page where I got quotes but instead got a call from these people. They came to the house which was great, although it was more of a sales call then help on my…
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Aviva Endowment surrender or keep
Ive got a with profits endowment with Aviva (originally CGNU Homemaker), the policy has been running for 16 years with 9 years left to run. I pay £84 per month, the basic sum assured is £18053, current surrender value £19320, accrued bonus £6857. The endowment was supposed to cover a mortgage of £62250 but is now projected…
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Wanting to move house and change mortgages
Hi, we bought our house in 2004 for £102950 and borrowed £120000 on the Northern Rock together mortgage. We are now on the standard variable rate of 4.78% and are paying £150 overpay which takes our payments each month to £871 which we can afford easily. Our remaining balance is £108649 and according to the mortgage…
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Variable
Hi, My wife and I are about to buy our first flat after saving for the past 10 years. The flat is 130k and we have managed to save 30k, we are really afraid of making the wrong choice in terms of what mortage to take and the best thing to do. We have been told that we should get a 3 year variable mortgage as the interest…
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Mortgage for Property in Spain
Hi. I’m looking for a bit of advice and some resources on getting a mortgage for a property in Spain. About 3 years ago I helped my sister out. I put around 15000euro equity in to a property my sister wanted to buy in spain – she’s lived there for years and has a residencia. The property was worth around 120,000euro at the…
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Change of Party on Mortgage - help!
Hi, My partner wantes to remove his ex from his mortage, she has been moved out of the property for 18 months and he has been paying the mortgage on his own since then. he has contacted Northern Rock who are going to send out an application for her to be removed, this will cost £175 (but i have read that this fee is added…
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Unsure whether to sell or not.
We've been living in our 2 bed mid terrace for nearly 4 years now (1st house). We'd like to move areas before my son starts school in september, to be nearer to family. Our plan was to move into rented for a year in the new area to; a) allow us to move fairly quickly (no chain) b) take the pressure off as we are planning…
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Tracker or Variable
Hello I have the option of going for a tracker or fixed rate mortgage through HSBC. Tracker rate is: 4.99% currently (base rate + 4.49), no booking fee. Overpayments allowed. OR 2 year fixed - 5.99$, £599 fee. Hardly any overpayments allowed. So I guess my question is - which to go for? How likely are interest rates to…
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Will we ever get a mortgage?
Hi My partner and I tried to get a mortgage last year only to be told that my partner has default on his credit history. Basically five and a half years ago he defaulted on a payment (which he paid back within a month) but because of this his credit score wasn't high enough. It is due to come off this April so we just…
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first time buyer
myself and my mrs are looking at buying our house, we currently have 2 personal loans balances of 4750 and 3787 and our overdraft is 4k, this has been run up while shes been a student shes now qualified.. credit card = 0 currently have around 1k free cash a month. our plan is to buy a house for 130 - 160k but to do this…
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Abbey offering new deal with no early repayment charge
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consent to lease
We got a consent to lease from halifax last may, on the paperwork its for 1 year, however we paid £1000 product fee and moved to consent to lease mortgage which is a 3 year product. We are going back to live in the property in march which is fine because its before the year is up. Question is what wil happen to mortgage?…
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mortgage v's loan
Is there a minimum amount of money that you can borrow on a mortgage, i am looking to buy a property in 2011, will have approx 100k (savings + inheretance), so will only want to borrow a small amount approx 20k, which hopefully I would want to pay back over a couple of years.
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First Direct 4.19% Fixed for 3 years Offset Mortgage
Morning all, Offer on a house got accepted yesterday, we have a mortgage in principle with Abbey (4.35% fixed for 3 years) found through a broker. However I noticed the 4.19% from First Direct, fixed for the same period, but offset and wondered if anybody had any experience with them? The deal is only available direct,…
