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Terrible time with conflicting info on mortgage
Bank we currently have a mortgage with wont move it over to new house because we have ccjs about 14k debt in all. phoned debtline the free one, they said they had never heard of anyone not getting a mortgage with ccjs. went to an independent finacial advisor he said we had little chance 2 defaults on credit report credit…
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mortgage payments
Hi I currently have an average sized mortgage paying just above 0.5 %. I have £15,000 in my bank account. Do I pay the sum off my mortgage to reduce the monthly payments or leave the money where it is
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Credit Checks
Due to the fact that i am self-employed, myself and my partner have recently been turned down by Abbey despite having had an AIP 4 months ago. We also encountered difficulties with another provider. So, we have taken my circumstances out of the equation and put everything into my partners name as she passes all the…
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reffered to underwriters
Hi, I would much appreciate someone in the know to give me advice please. I am self employed, i have applied for a mortgage through a broker, the bank in question is under the santander umbrella. When my details were put into the affordability calculator, i could afford the loan but only by a few grand, so when we done the…
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Accord mortgage arrangement fee
Hello everyone My fiancee and I are in the middle of sorting out a mortgage for a house that we have made an offer on. We have been speaking with a few brokers and we have been offered a mortgage with Accord. I know from reading around here that they are a reputable lender, so we're happy with that. It has a very good rate…
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What is the best current Buy To Let Mortgage on offer.
Purchase price £50000, looking for a 75% interest only loan. Should I be looking at a tracker, fixed or variable? Thanks.
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So confused
Hoping you guys can help an idiot out with an idiots guide to my next steps! Purchased a house in October 2007 at £162,000 with a 5% deposit - so took a mortgage out for £153,900 on a 3 year Fixed Term (repayment) at 5.68 for 30 years. The mortgage was with Giraffe which is now Bank of Ireland. So a few questions - 1. Is…
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Please discuss natwest intermediaries mortgages here - have you been accepted?
My FA has put through an application through natwest intermediary solutions. Has anyone been refused when they have applied this way, any good/bad points to mention. Thanks
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Any options available to me to switch? Is it worth it?
Hi all, Not 110% clued up on mortgages here, so apologies if I omit anything below. We bought our 3bed in December 2007 on a self-cert, interest only, paying about £870pcm for the first two years. Now that period is over, we have moved onto a tracker in effect (I think!?) whereby we're paying something like 2.5% above the…
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Real cost of buying a house
Hi, I've been looking around the internet to find the actual costs of buying our first home. Me and my fiancee are looking to buy a house for around £130,000 with a 10% deposit. We're now trying to find out how much more it will costs us in fees and other bits like that on top of the £13,000 deposit. Thanks for any…
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When does a mortgage become binding/ cooling off period
Yesterday I. went to Santander (Abbey) to ask for an offset mortgage. I still wanted to shop around but before I knew it the lady made me sign a contract. I had to pay a fee of £1500 which I did not (stating I would come pay it the next day). I would like tr know if the contract is legally binding, whether I have a cooling…
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Free Mortgage advisor in Bristol??
Please can anyone recommend a free mortgage advisor in the Bristol area. Many Thanks
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Tranferring properties
I bought my house back in 2001 for £44k and it is now worth IRO £125,000 + I have £32 k left to pay on it as well as a £5k loan secured on it. I have seen a property I wish to purchase @ £90k If I was to sell the house would I be able to pay off the a substantial amount of the remaining debt and transfer it to the new…
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mortgage advice please
Hello, Please can anyone advise. I had a mortgage in the past but split up sold and moved back in with parents I am now renting. I want to start again my credit rating is showing up as FAIR, I have no credit cards, loans etc dont even have a mobile as I get through work. I have a basic account with lloyds tsb have had for…
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Solicitors Fees - Different that what i was told on phone
I had an offer accepted last Friday and the estate agent got 2 solicitors to call me with quotes - MoveWithUs rang me up and i was told on the phone no sale no fee and the total price was £2500 and something, - however the paperwork has arrived from a solicitor called QCAS and adding all the figures up it comes to £2952.93…
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Remortgaging/Equity release
Hi, Just after some advice please. Myself and my wife were recently in receipt of a rather large amount of inheritance which has nicely cleared over half of our mortgage. This is fantastic, particularly as we are both 24 and have many years on the ladder ahead. However, we both have credit card debt which in comparison is…
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mis-sold mortgage (with Endowment) in 1999?
I was wondering where i stand with this. I have a mortgage with a High Street bank which was taken out through a broker in 1999. I was persuaded to take an Endowment with it as i was promised a 7% return per year, which would pay off the mortgage and give me an extra amount to keep. Obviously this kind of return was not…
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Mortgage help?
We are buying a new house, we will have a 25% LTV. Our current provider is CBS and we are on a fully flex tracker 2%+base rate. We like this facility a lot to make over payments. CBS have offered us the chance to move this to the new house (subject to survey) for £200 (the survey charge). So no added costs I think. Am I…
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Are lenders interested in untaxed income?
Nevermind ;)
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The Ultimate Mortgage Calculator discussion
Update 19 October 2010 We have spent the last few months expanding this, hopefully making it... erm, ultimate-er?! It has new calculators, including: - Offsetting vs Savings/Mortgage - How much can I borrow? - Compare 2 fixed rates - Should I save or repay mortgage? Would be great to know what you think, and especially if…
