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Cross - YBS wont allow offset ISA bundling - who does ?
Hi, I have a YBS Offset 5 year fixed which is due to expire in Dec 10. Followed by BoE+0.75% (3% Collar). Through stoozing etc have knocked 1/3 off my mortgage in 4.5 years. Lots of money stoozed, but I am also building up increasing savings in it. I have been really happy with offset (Offset running at about 45% of bal) -…
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RBS Mortgage Process Question
Hi Everyone, I'm a bit of a pessimist and so hoping for some reassurrance please... We've recently found a house we like, got an agreement in principle, had offer accepted and then spent about 2 weeks going through a full mortgage application - getting payslips sent off and so on. RBS have accepted the mortgage and…
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HSBC - frustrated
Hi, My brother and I applied for 90% mortgage with HSBC. First we got quote over the phone etc and very lovely lady from applications sorted us out. Problems start next. We were advised that to speed up the application (as we live in different parts of the UK) we need to pop into branch and let them scan our payslips etc…
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difficult mortgage provider and ccj
im trying to find a mortgage with a fixed rate as my current one has just gone onto a variable and its killing us! its nearly 6% the chealsea seem to be looking for any excus not to offer us another deal, one reason was one late payment in june 2009 when i cahanged banks and my new bank messed up loads od my direct debits,…
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To pay off mortgage in full or not and MEAFs
I will be paying off my mortgage with the Yorkshire building society in the next week or so. I am considering if its worth leaving a minimal amount left on the mortgage. I know that some providers will allow this in order for them to hold the deeds. However I already possess the deeds. My reason for keeping a small amount…
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CCJ's How damaging are they?
As above, I have recently had a CCJ put on me for none payment of ground rent on one of my properties! How damaging can this be?
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FTP - Clear Debt or Buy Now???
Hello All, My GF and I are looking to purchase a new house this year and I would appreciate some advice. She is a Teacher and I work in IT, our combined take home income is 72k/year. I also earn commission on top of this that I have not factored in. Currently we have 16,000 GBP saved in a mixture of eISAs and eSavings…
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Redundant and in need of a mortgage!
Good morning all, I hope someone can give me some advice. I have just recently been made redundant as the company I worked for has gone under! :mad: I am now working for myself as a contracter through an employment agency within my sector of work and earning £250 - £300 per day. However I am in need of a mortgage and I am…
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Loan Against Endowment Query
Hi, I have a Prudential (Scottish Amicable) endowment policy which matures in 2017. The policy was released from my mortgage about seven years ago when I switched to a repayment mortgage. I kept the policy on for the life insurance cover. I want to raise some cash for home improvements and asked Prudential about securing a…
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"non portable" portable mortgage
we have had a mortgage with the chelsea for the last 9 years, always paid on time never defaulted and have excellent credit rating.back in feb 2009 we remortgaged with the chelsea as our previous fixed rate term with them had ended. we agreed to a 5 year fixed rate which was fully portable, we decided to remortgage with…
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SavemeLord
my gran died in 1963, and all i have 2 rmemba her by is a ww2 ration book today a guy swung by on a red motabike and gave me a telegram from National Provincial Bank saying my gran owed £18 17s 6d on her morgidge will they accept the coupons from her ration book?
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Recent activity.
Is it just me or does any one else feel that this forum is starting to become a bit of a joke? Lots of good questions from people looking for help who might not have any experience what so ever, the usual smattering of obviously daft questions too, all, hopefully, looking for a bit of help. The main difference (over the…
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Professional Advice Bureau - avoiding Stamp Duty?
My IFA has surprised me this time! I'm about to purchase a property for over £250k and along with the Suitability report, mortgage application form etc. there's a PDF for the "Professional Advice Bureau". It doesn't give too much away but, from what I'm reading, suggests that you only pay 1.5% + VAT for fees to this…
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Mortgage to buy new place, even though I havent sold my existing one yet?
I am due to sell my property in 3 months time, but have fallen in love with a place a few streets away, and i know i could get it for a great price, is there any way of getting a new mortgage BEFORE i sell my current house? Someone said Halifax may do, can anyone help please? I really dont want this other place to go!!
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IF.com lending criteria generosity?
Hi all I have an IF mortgage that has been open since 2007, I have overpaid and now want to borrow right back to the max again to fund an extension. Does anyone know if their lending criteria have tightened up? They used to lend quite large multiples, wondering if this has changed. I don't want to pay £160 fee only to find…
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Anyone had dealings with Accord Mortgages recently?
I am due to apply for an Accord mortgage tomorrow but just looking at reviews online seems that they are a little slow in dealing with the request. Basically i am trying to get finance sorted asap. Any advice? Any brokers care to share your experience with them? :)
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Coming to end of fixed period - stay with current lender = no checks?
Asking on behlaf of a friend who's pretty rubbish with money at present :( They're close to the end of a 5 year fixed rate repayment mortgage and in the last 2 years, fallen behind with credit cards, a loan, AND car finance. They have always kept up the payments with their mortgage however.... I'm guessing they got very…
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Proportional repayment of ERC on joint mortgage
Hi, I know there's a thread about reclaiming ERC from banks but this scenario doesn't quite fit with that. My partner took out a joint mortgage with a friend for a property they rennovated together. 2 years later they remortgaged but shortly after his friend wanted out to move in with his fiance. They agreed to sell the…
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Considering buy-to-let...
Hello, Here's a quick rundown of our circumstances We currently have a property that we have outgrown as a family- it's two bedroom and worth around £185k We are living at my Mum's at the moment though this is a short term solution (18 months at most) We currently rent it out for £690 after agents fees though our mortgage…
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Northern Bank
Hiya everyone!:) Has anyone had any dealing with Northern Bank and/or their mortgages? They seem to have a good mortgage rate at the mo for a 90% LTV. i.e 90% LTV 2 year fixed at 5.19% (£799 fee's)
