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Where do we go from here?
Hello First time poster so apologies if this thread doesn't fit here. I have a mortgage with a friend. We bought together in 2007 just before prices dropped. We have a 100% mortgage with NR. She found out she was pregnant and moved out about a year ago to live with her now-husband, and my fiance moved in, all with the…
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Morgage and full time student
My fiancee currently has a mortgage on a property with her ex-husband (and also on the deeds). She cannot afford to take the mortgage over completely due to her salary (but is struggling and actually paying the full amount herself). I am a full time mature student (29 y/o) at university, getting a student loan and in the…
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Mortgage Repayment Holiday, yes or no?
Hi all, My mortgage payment is £618 a month on a rate of 6.29% we are locked in on this rate till April 2014 I am on maternity leave at the minute and am currently getting full pay, but come Sept I go onto SMP which is only £532 every 4 weeks (my salary is £1092 a month, so quite a drop) I called C&G and told them I was on…
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Help needed getting mortgage
I've just seen a house which is on the market that I like. It is on for £320,000. I have a cash deposit of £215,000 and am looking to borrow £115,000 (35% LTV). I am currently debt-free. The problem is I am self employed and my income fluctuates. I've earned upto £45,000pa for many years but recently (past 3 years) I am…
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Moving House with a 110% Northen Rock mortgage!
We've had an offer on our house for £86,500 and out mortgage balance is at about £97,000. We realise that we can't get another mortgage so we're planning to port this mortgage over to another property worth less than £86,500. The only problem is that Northern Rock will add porting and valuation fees to the balance but…
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FTB Mortgage
I am currently looking at buying a house and obtaining a mortgage. I am thinking of using a £50 000 deposit on a £110 000 house, hence I need a mortgage of £60 000. I am single no kids so I only have my own living expenses after mortgage to consider. I earn around £31 000 a year. I am finding it hard to decide wether to…
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Phoenix former policy holders
Has anyone else had a letter from Phoenix asking former policy holders from Phoenix/Sun Alliance to confirm details of their policy, provide personal information etc? They say they have important information to give us. Obviously we want to avoid falling for a scam.
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Use another house as mortgage collateral?
I wonder if anyone could help. My wife and I own a mortgaged property work approx 100k we are trying to sell; both have good stable jobs so no issues getting a new mortgage. We also have a mortgage-free flat worth approx 70k which we have been trying to sell. Selling it would give us a great deposit towards our next house.…
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mis sold endowment mortgate
We took ouit an endowmwnt policy in November 1985 and now has a shortfall. We realise we were mis sold this policy but have been told there is nothing we can do as it was taken out before 1988. Does anyone know of anything we can do.
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HSBC Fixed Mortgages - Consent To Let Anyone?
morning all, i took out a 5-year fixed mortgage with hsbc last summer and since then my circumstances have changed and was wondering if people have had any dealings with hsbc with regards of asking for consent to let. i've got a lot of thinking to do over the next few months and will undoubtedly meet up with hsbc but was…
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FTB Mortgage advice
Hi, Looking to move back to the UK in the summer and will be looking for a FTB mortgage. Only have a 10,000 deposit and looking for around 160,000 mortgage. I will also be receiving a 60,000 payment next year which I want to use against the mortgage. Any help or ideas on the best way forward? Many thanks
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Will I get a mortgage from ouside the UK?
Hi, I write in the hope that someone might be able to help with my questions about applying for a mortgage. We are currently in New Zealand and looking to return to the UK in the near future. I am trying to find out whether we would be able to apply for a mortgage from New Zealand and have it in place for our return to the…
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Price of a car park - Advice on how to find its price
Hi, I have put an offer for a flat and then a similar flat without parking on the same building has been put on sale. Do you know any website or tool to find out the price of a car park in a certain area? I tried the classical rightmove.co.uk / zoopla... but no success. Thanks, Alex
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Mortgage help
Ok I am very new to this so please bear with me :D I have an apartment at the moment, with a mortgage, and my fixed rate is coming to an end and we need advice on what to do It's a mortgage of about £108,000 and currently we pay £660 a month. The other important (I think!) thing is that there is 3 of us on the mortgage -…
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Advice on remortgage
Hi I would appreciate some advice on a re-mortgage for a friend. When she divorced a few years ago her ex was shown on the deeds as being entitled to 1/3 of the net value of the house when the children reached maturity. My friend has offered him £40 to give up his right though she will need to re-mortgage to raise the…
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Remortgage and own company
Hello My fixed rate is about to end and so i am going to go to the bank to see what deals they have. My partner is currently in full time employment but also has his own company that he has worked for about a year in the last 3 years in between other jobs. He has 2 years of accounts but in each of those years worked for…
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Mortage at last
Just came home and my mortgage offer was sitting here - After 4 weeks of waiting woolwich/barclays said yes. :j
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Mortgage arrears and moving house
In order to clear our debts, we would like to move to a cheaper area, and release some of the equity in our house. Because of a couple of months mortgage arrears, our mortgage company are not willing to help us. I understand that in this economic climate companies are unwilling to do this, but we are actually trying to…
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Ex partner wants name off joint mortgage, can I continue with it?
I have a joint mortgage on a flat bought in 2007 which I have been paying on my own since my partner and I split in 2008. My ex is now wanting his name off the mortgage and am wondering if anyone can advise me if it is likely that the lender will be happy for this to occur? Originally, I was employed when the mortgage was…
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FTB low earners, big deposit, best mortgage to go for
Myself and my wife are first time buyers with a 165k deposit from inheritance gifts. We are low earners so have to be careful about mortgage payment increases. Have rented for past 6 years, average £600 per month. My parents have offered an interest free load of 10k for 5 years (£167/month), but the bank didn't like this…
