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foreign callcentres
Process the mortgage in the UK, then foreign aftersales service by people who can only read whats said on screen and ask you how the weather is. Good job they dont employ them to do the underwriting:D
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Mortgage broker help!!!!
Hi Guys, This is aimed at mort brokers on here, Conrad you sound very clued up!! I have been dealing with a broker about getting a mortgage. The problem is she has said no way will i get on and i dont know where to go from here..... (No credit checks where done but spoke to some lenders) Background info I own an house…
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Awkward Santander (Abbey)
My mortgage deal comes to end next month so I thought i'd rind S'tder and see what options were available to me. After eventually getting through on 0845 number ended up talking to someone (not sure where in the world) who I could barley understand with loads of background chatter and clanking, I went through all the…
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TMB -Self build mortgage help needed
Hi Everyone, I'm new to this but just wondered if anyone else has had a similar problem. We have been carrying out a self build conversion and have a TMB draw down mortgage (4 stages). We have completed most of the build however we were advised that a 5th draw down could be done after we had taken all 4 stages if need be.…
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Mortgage carried on..........
Hi was wondering if anyone could help? I am coming to the end of a 3 yr mortgage with a sub-prime company. We have always paid on time and i was wondering do they contact us before the time is up to offer us a deal or do they carry it on if we wish to? Any advice would be great. I know we probably can't go to a bank as we…
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Mortgage Loans?
Hi there, New to this kind of thing really, currently own a house which paying through Mortgage, was looking to upgrade to a larger house. Can anyone help me out by telling me how much I am able to borrow from any mortgage lending company, i.e. 4 x current wage, etc.? Please help as see a new house which I am REALLY…
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Homebuy Direct scheme and negative equity
Hi Just over 2 years ago, my girlfriend bought a flat with the aid of my4walls, an open market homebuy scheme. We are now looking to buy a property together and want to sell the flat. Without having it valued we're pretty sure we're going to be in negative equity. She paid nearly £120k and were guessing it would now be…
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7.18% to 2.65% ????
Hi a few more questions I'm afraid as I am still relatively new. Just had a word with my lender (Redstone!), as I had misplaced the paperwork that told me what my rate would change to after my fixed term is up this October. They informed me that it would be LIBOR+2%. I am currently on 7.18% interest only. By my reckoning,…
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Mortgage coming to an end
Hi all, My mortgage is coming to an end, due to some strategic overpaying. Should I completely pay off my mortgage or keep it going with a very small amount left in to pay? The reason I ask this is because Ive heard many rumours such as: 1) Its easier and cheaper to borrow money by increasing the mortgage if I need to…
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NI whole of the Market Brokers
Can anyone recommend any in Northern Ireland that they would recommend and with fees they charge if any?
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First Mortgage - Certificate?
Just looking a bit of advice as a first time buyer. I have been to see a Mortgage Broker and had a good discussion on my options and it was left like when we see a property we like to come back to him. I am not very familar with the process but how important is it to get a "Mortgage Certificate" to say you have your…
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further mortgage or second charge
Help! I'm splitting with my partner. We have a home just valued at 250k - the mortgage (in both our names) we have on it is only 80k (with 17yrs left to run). We both want me to be able to stay here as we have kids etc and I wouldn't be able to afford anywhere as big on my own. He can't afford to move out without releasing…
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Mortgage Payment Question
After the sale of our house, we are approx £1600 short of putting down a 25% payment for our new house. If we put down the money (from our savings) we will save approx £35 a month on our new mortgage over the next 2 years (its a base rate tracker) by getting a better interest rate. Is it worth paying out of our savings to…
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Mortgage Broker Hassle
We are waiting for our mortgage offer to come through anyday now, my broker wants to have a chat tomorrow about life cover, house insurance etc. As a first time buyer we're a bit unsure of what we need and what we dont need, I know we need house insurance but what else is essential because I'm pretty sure she will be…
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help with mortgage for new build with occupancy clause
I have recently received planning permission for a new house but I cannot get a mortgage to build the house as there is a 5 year occupancy clause in the planning permission. Does anyone know how to get around this issue
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Need advice remortgage
Hi We have been looking at some of the mortgage calculators and have been really disappointed to see that they are coming back that there are no deals on offer to us. We had thought we were a good risk!!!! We live in a house valued at 130,000 We have a mortgage of 60,000 on it We want to remortgage to build an extension…
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What is the best morgage to get
hi to all we have our house on the market at the mo £60,000 we dont have a morgage we are looking to upgrade house and would be looking to get a £50,000 morgage any thoughts on what would be best to get and what would repayments be ect thanks
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Trying to find a mortgage broker - Please help
Hello, I am trying to find a mortgage broker in east london - E16 are(where i live). Can you recommend a site for locating a mortgage broker? I have tried yell.com - is there anything else? Many Thanks
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Credit Check for morgage
My partner and I have recently had a credit check for a mortgage after shopping around. However the check got declined and now we don’t know what to do. We are absolutely gutted as we felt we had a good chance of purchasing this property. We have gone on Experian and checked ourselves as we didn’t really understand as to…
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1st Time Buyer mortgage query - can I even get one?
Hi all, after reading many many threads on here I havent quite found the info I'm looking for as every similar situation has a few details different so here goes my story... My partner and I had a mortgage for around 4 years on a property in Southampton which we sold in approx March 2008. The amount was £150k and we never…
