-
Mortgage express contact details needed.
Hi All. I wonder if you can help. I want to pay some money off my mortgage with mortgage Express ( bradford and bingley) They were taken over by the government some time ago. The savings arm was taken over by santander. All of the phone numbers on our letters are unobtainable and the website no longer exists!!..I do not…
-
refused mortgage 65%ltv
Hi all, My husband and I have been refused a mortgage today on the basis that he has a bad credit rating - the only thing we can think of is that his ex must have defaulted on their joint mortgage (he left there 9 yrs ago - the house was sold and proceeds split in Dec 09) he's requested a credit report from Experian. We…
-
Hypothetical question - two mortgages on one property?
I'm just wondering about this as a possibility. I realise it isn't possible (or at least very unlikely) to get two separate mortgages on one property with two different lenders as one will want to have 'first charge', but is it possible for two people to get two separate mortgages with the same lender? It's not really…
-
Is it possible to have 2 'Mortgage in Principal's' ?
Me and my wife have had an offer accepted on a house we want but are worried we might lose it due to not selling our own. Ours is 115, we have 100 in bank, our offer accepted at 185. We saw IFA to look at various options. but is it possible to get in principal offers for the following situations... 1) We keep our house on…
-
Property with Studio Flat Potential
Hi MSEs, We would really appreciate your advice on this... We have had an offer accepted on a three storey house, which has been split into two - the top floors, garden and garage make up the house, and the ground floor has been seperated for a self-contained studio flat. We are currently in the process of getting a…
-
Notifying Mortgage co re father
My father is considering coming to live with us. We are all happy about that. I understand that I have a duty to tell the mortgage company that we have someone who is planning on staying for more than thirty days. In March we come off a fixed rate mortgage. What implications are there re another adult in the house for the…
-
Advice on Selling a property
If I own a proprty outright and have the deeds in my posession, do I need a solicitor to carry out the sale? As I understand it, the purchasers solicitor does all of the searches etc. I have the HIP and the deeds. All I want is the telegraphic transfer of the money and in exchange I hand over the deeds. Is this right? By…
-
Mortgage at end of terms
I have a mortgage which has just over 2 years to run and because we only pay the interest on it there will be a shortfall at the end. Would I be able to take out another mortgae then, when I`d be 65 or would I have to convert to it to a loan. The alternative for us of course is to downsize and lose the mortgage altogether…
-
CCJ is now Satisfied. Can I get a mortgage?
I have had a CCJ, which has all now been paid off and been removed from my credit file. I waited 6 years for this to be removed! Can I apply for a mortgage from a high street bank now?
-
Mortgage Free!!!
I am 36 married with two little terrors. 9mths ago I suffered a Heart Attack at the ripe old age of 35. This was due to stress. I had a life insurance policy that paid out £100,000 so I decided to clear my mortgage which left enough for a nice holiday too. The H/A was very small, didn’t even know I was having one, and was…
-
Ge money default charges for home lending !!!!
Hi all I have had a payment arrangment with Ge Money to pay of Mortgage arrears the arrangment came to an end last month and I will go back to normal contratual monthly payment at variable rate . Yesterday i received 4 separate default notices from GE stating that I had incurred a legal fees of £677, £88, £15, £247= £1027…
-
Alexander Hall
Just looked at their website after seeing their name mentioned here. Are they good at sourcing sub prime mortgages?
-
Mis-sold mortgage endowment
I wrote a letter to the company who sold us our endowments, it was Scottish Amicable back in 1998. They agreed that we had been mis-sold our endowment but stated we were not entitiled to any compensation! Can anyone inform me why this would be the case? Unfortunately I ripped the letter up!
-
End of promotional tracker rate
I'm coming to the end of a 2 year tracker rate of base +0.34 and looking what to do next. I thought I would fix as rates can't get any lower. However, I've checked with my current lender and I will move to another tracker when the 2 years is up (base + 1.00 for the term of the mortgage). This seems too good to be true,…
-
selling flat, endowment mortgage.
Tried to look through other threads but i think it depends on each policy... It is a unit linked endowment though it does say at the end with profits so not sure if that makes any difference. Provider: Legal and General Guaranteed sum assured : £29025.00 Monthly premium: £45.98 Maturity date: 28/08/20 We are not sure…
-
£99 Nationwide Fee - how do I get it back?
I have just applied for a Nationwide mortgage through a broker. We submitted a full Decision In Principle, this was accepted and the paperwork sent to the broker confirmed this quite clearly. I then submitted the full application, what was annoying was that why do I fill out all my details again why can't they extract the…
-
Stick or Twist? Young couple need advice, pls help :)
Hello everyone, I'm a long time reader of this forum but a first time poster. I've always been impressed with the quality of advice offered here, I wonder if you can help my wife and I? Short Version: * Is it worth taking out a loan to reach the golden 75% LTV threshold for a remortgage? * Current mortgage is a 6.5% fixed…
-
Advised needed please
Hi im new to all this & i really hope some nice person can help, ill try to keep this short as poss First time buyers purchased a house in june 2007 £125,000 with a Northen Rock together mortgage as we had no deposit,We was 20 and 21 with a new born baby & had no idea about anything,and took/done every things greens told…
-
is this true?
are some mortgage lenders on BTL asking for proof of income as well as the usual 25 / 40 % deposit 125% rent to loan, i heard from a friend of a friend that they cant get a mortgage because of this i am looking at BM morrtgage 2 year fixed 4.25% £999 arangement fee thank you
-
end of fixed term with Northern Rock
hi this june we are coming the end of our fixed rate mortgage deal with Northern Rock,can anybody reccommend anyone for remortgage?also would we be better on the variable rate(as it is low)or look for another fixed rate deal?
