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Saffron Building Society - Anyone used them? How long to get accepted?
My broker has suggested i take out a mortgage with saffron building society. I already had an agreement in principle from halifax, but he said they have a good fixed rate on offer at the moment. Application gone through, they would have received all documents yesterday. When will i expect to hear anything from them? When…
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No funds for mortgage redemption
Can anyone advice as to what pressure the Bank (HSBC) can exert if we are unable to repay our mortgage, due next month? The house is due to go on the market in April.
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Mortgage & Separation
Hi All, I am at my witts end. My wife and I are getting divorced. We have a mortgage that is in joint names. She has a large personal debt and cannot afford any more outgoings. She wants to be removed from the mortgage. I want to have the mortgage in my own name. However the lender has advised that I cannot afford the…
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Early repayment charges
I bought a property and im looking to sell it and make a bit of money on it. during this transaction i will be paying the mortgage off. the mortgage lender wants to charge me £1800 early repayment plus £200 admin. any experts out there know if its possible to get around these charges? for example could i pay all the…
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Who Regulates National Hunters?
Can any body tell me who regulats this organisation
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National hunters limited
What action can I take against this organisation for wrecking my life and credit standing by providing mis-information that is not accurate and easily explained had they taken the opportunity to do so before placing me on thier Blacklist
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Remortgage vs start on standard variable rate
We have been on a fixed mortage for almost 2 years now (5.something) with cheltenham & gloucester and nearly cried when all our friends on variable rate mortgages had significant drops in their monthy payments due to the economy problems. We are due to remortage in June (a while off yet but thinking ahead) and are…
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Mortgage Equity Rights
Hi My Boyfriend took out a mortgage on a house with his ex-girlfriend and 2 years ago he had spilt up from her, he moved out to his mums but still continued to pay for the mortgage to avoid her struggling, he has now asked to have his name removed from the house but she has refused this. Also they had taken a loan out…
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So what's the score?
Hi all, I am hoping you guys may be in the know about what kind of score you need to get an ok mortgage deal? I just looked at my equifax and as i was late on a couple of payments to one of my credit cards (new baby so my admin got behind) I have 'good' credit score. Problem is I need to look into how much I could borrow…
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Help [Remortgaging]
Hey guyz, I am hoping you will be able to help/advise me. I bought my home 7/8mnths ago for a very good price, without a mortgage [84k]. I earn approx 23.5k a year. However, because my parents helped me to purchase the house i am now looking to get a mortgage in order to help me pay them back. I have at least 10% equity in…
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Need an opinion
Hello, I'm just about to get a new fixed rate mortgage. I'm looking at a Halifax 3 year fixed rate repayment mortgage with 4.990% interest. They want fees of £999 to to set this up. The obvious question to me is: if I can get the same thing fixed for 5 years would it be better to do this - to spread the cost of the product…
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Mortgage on benefits help please
My Halifax tracker is about to expire. Normarily I would look around for another good deal either with the Halifax or elsewhere but due to my current situation I've had to apply for benefits & now have the interest on the mortgage paid for me & I presume that I won't be a very good candidate for getting a new mortgage. If…
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National hunters limited
If you have been refused a bank account, loan or mortgage. The bank wont necessarily tell you, in fact they will deny all knowledge of THE NATIONAL HUNTERS LIMITED. Particularly Barclays. The chances are that you are on thier secret BLACKLIST. Just google N HUNTERS Ltd. All the information is there. They arer costly mind…
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5 x Wage
What mortgage providers are out there that look at/grant 5x your annual income for a new mortgage?
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Spanish Mortgage
We have a property abroad in Spain and transfer money every month to our account at Bankinter to pay our mortgage (with bankinter) and utilities. The hidden fees that they charge are a joke, are there any euro accounts in the UK, ie with Santander where it can be run from the uk, but pay bills in euros in Spain. Any info…
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Portable mortgage - what does it mean?
I wonder if anyone can help me by explaining what exactly it means when a mortgage is portable? My wife and I bought a house for £124,950 back in 2006 on a 100% professional (we're both teachers) fixed 3 year deal with Standard Life. We're looking at moving to a different area in the near future, but to something of a…
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Remortgage & Overpayments
I am currently in the process of arranging a remortgage. My current YBS fixed rate mortgage comes to an end on 31st March. I am currently overpaying by about £200 per month. I have decided to go for a 2yr tracker and have been looking at the Alliance & Leicester 2 yr Tracker (V377R) - 2.15% above base rate. Having…
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Can someone explain these fees please
Hi, Can someone help explain what these fees are please. They seem very high. Arrangement fee On completion £3,150.00 Telegraphic Transfer On completion £25.00 Mortgage Discharge Fee On repayment £90.00 Deeds Release Fee On repayment £50.00 Lenders Conveyancing Fee £180.00 Application/Valuation Upfront £389.00 Packaging…
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Mortgage Balance v Repayment Figure
Hi, I tend to get a mental block when it comes to Mortgages so any help here would be appreciated. This might seem simple to some folk but here goes.... Thinking of buying a house at £100,000........ My house is worth circa £97,000 to £100,000..... My current mortgage balance is £88,410 with 25 years to go Does this mean I…
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retired - Can I get a mortgage?
I am 63 and retired. I have a private pension and have £80,000 savings in the bank. I want to buy a house but will struggle with just £80,000. If I can show a good income will I be able to get a mortgage?
