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Nationwide Application - Bonus
Hi there, I have just made an application to the Nationwide for a mortgage based on a mortgage in princiapl obtained by stating a bonus. Although I have had a bonus every year with my current employer this does not form part of my contract of employment. Could this effect my application if i cannot prove this? although i…
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Fixed or SVR
My mortgage is due to come off a fixed rate in August.. and as we are all aware none of us can see into the future regarding rates etc. But..... I just wondered what alot of you are doing....I'm just after different opinions as to who has gone for what and why.... I suppose really I just want to see what the majority are…
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Extend Mortgage?
Hi guys, I really hope you can help. I have a mortgage with HSBC 10yr fixed @ 5.49% until 2017 (I know what you are thinking but the rate was good when I took it out). It was orignially a 25 year standard mortgage but for the last few years I have had my sister living with me and decided to use the extra cash to over pay…
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gmac TML SUB PRIME
ab=ny one claiming for their sub prime mortgage
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sub prime cliam TML gmac
any chasing claim for sub prime morgages thanks paul.
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variable offset tracker mortgage coming to an end - is this a good deal
Hi I am currently on a 3 year variable offset tracker Mortgage with the Yorkshire bank. The fixed rate expires in June and it goes up to 1.25% above base rate on going. I have been looking round other fixed and tracker rates on the market and this still looks a good deal as there would be arrangement fee's etc for moving…
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miss selling halifax isa/pep homeplan
How do I complain about the above mortgage purchased in 1996. My husband and I wanted a repayment mortgage after already purchasing an endowment mortgage on a previous property and were advised by the halifax financial advisor to purchase a pep/isa homeplan.
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IF & House Valuation
I am a bit annoyed as our mortgage company, Intelligent Finance, insist we use Colley Surveyors to have our house valuation done. Colley's are going to charge us £500 for just the valuation, and if we want the home buyer report through them this will be an extra £290, making £790. Other firms have quoted between £320 and…
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Can't pay off mortgage, don't want to move.
Unable to cope any more with privately renting and the constant moving involved in that, we 'bought' a property using the only means we could afford - an interest-only mortgage. That was almost 5 years ago, and the mortgage period ends in 2017, when we both reach age 65. Unless we win the lotto, or a rich relative we're…
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Halifax and the Lost Mortgage
2 and a half weeks ago I purchased a new build property. After a nightmare completion day Halifax finally released our funds at 2pm. Job done. Now, the Halifax mortgage booklet stated that if we purchased on the 23rd then 14 days later the first payment plus extra interest would be taken from our account 14 days from that…
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Re-mortgage dilemna
I recently received an offer from my lender (JPMorgan) offering me a discount of over 10K of the balance of my account if I was to redeem (sale or re-mortgage) in the next 3 months. I thought the letter was a joke when I got it but it is a very real (and attractive offer). The balance outstanding is 140K on a flat valued…
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Buying somebody out...
Hi there, (Sorry if i'm on the wrong section of the forums - please feel free to redirect me if I am!) I'm after some advice on buying my partner out on a mortage - how I would go about doing it (I know I would need a solicitor at some point, but how to set the ball rolling...), and if it is plausible... 2 years ago bought…
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Which Mortgage to Pay off First
Hi Guys, Hopefully you can answer this question, it will save me going into the loft to find my old statements, I have 2 flexible tracker mortgages: 65K @ 1.64% over BOE B.R. 140K @ .99% over BOE B.R. I currently have about £300 extra cash a month. Should I use these funds to overpay on the more expensive 65K mortgage…
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transfer of equity
could someone explain what transfer of equity, i have house valued at 115k mortgage 100k, 15 k equity to be split between us, she maybe able to buy me out, i also have 2 charging orders, but these are restrictions not charging orders so may get around that, help needed
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Overpaying mortgage vs paying off loan
Dear all, I'm coming to the end of the fixed rate on my mortgage and therefore moving on to the base mortgage rate which will save me £200 a month. I have also 5 years left on a loan of £280 a month. I can either put the £200 a month towards overpaying my mortgage or put the money aside and re-pay the loan early. My…
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Need advice Tracker or Fixed rate
Hi First time buyer here. I'm torn between two offers one is fixed rate and one is tracker but i'm not sure which one to go for. Fixed rate 4.25% on a 3 year fixed rate with £1000 arrangement and booking fees Tracker rate 3.09% for 3 years no additional costs (2.59% above base rate) If the interest rate remains constant…
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Alliance and Leicter Mortagage valuation problem
Hi, I am a first time poster so hope this is in the right place!!! I am buying my first house, and today, after waiting for two months for them to finally get round to it, Alliance and Leicter gave the results of their valuation. Except they didn't!!! They have said that the valuers have said that the house is not adequate…
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Remortgage advice needed
Hi there, My 3yr fixed deal has just finished with A&L. They have valued my house based on halifax index and suggest that I have about 90% LTV. I am now on their SVR at 4.99% with 22 years remaining on mortgage. My situation is that my husband is changing careers therefore I am main breadwinner. Current monthly payments…
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first mortgage, please help
hi, please go easy this is my first post. Me and my fiance are looking for our first house / mortgage. We have found a house we really like which is apprx £175k, we have about £20k deposit. We were quoted £1089/month for a mortgage today. Fixed rate for 3 years. This seems an awful lot. We have no outstanding debts, loans…
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Tracker/Fixed soooooo confused!!!
Hi I've spent months trying to decide on what type of mortgage to go for and thought that I had finally settled on a tracker, but as it's going through I've started reading articles how rates may go up a lot quicker than we thought............I'm so confused, and more so since the elections! These are my options;- The…
