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Mortgages & endowments

Archives for June 2010

Exit fees? - 1st Direct Life Time Tracker
Hi, I've seen a good deal with First Direct (who I currently bank with) for an 85% LTV loan at 3.49% above base rate tracker with a £99 set up fee. Loan amount would be £212,500 What I can't see (and would rather not have to spend hours on the phone to First Direct to apply and find out) is what the tie in is. If it's a…
Divorce and mortgage
Hi I have been separated from my wife for 2 years, and my divorce is currently being processed. I want to buy a house with my new partner but am concerned about the fact that I am not currently a single legal entity. Although the divorce between me and my wife is very amicable, neither my partner nor I want to open up the…
Remortgage: Removal of my name from the Register of Title - Help!
Hi all We’ve just received a letter today from the solicitors acting for Britannia and they say “In order to complete the mortgage in favour of our client, Britannia it will be necessary to remove the name of XXXX from the register of title” It then gives two option of (i) we engage our solicitor to prepare the…
porting mortgage
hi guys i have a mortgage for approx 48000 with woolwich thru barclays which is fully portable.had it for about 3 years never missed a payment when we got it we gave no evidence of earnings.things have been bad work wise for last 2 tax years 14,500 and approx 10000 so we have took offer of taking over my retirng in laws 2…
credit rating & remortgaging
Hi, Just got refused for a Nationwide remortgage, according to my credit score I am Fair. I am currently with Santander on interest only so I am keen to get onto a repayment. If I ask Santander for a new deal will this hurt my credit score even more as I've just been refused by nationwide and is there a chance they will…
General mortgage application question
I am going to apply for my first mortgage anyday now as a first time buyer. My situation is; - 60k deposit on ~300k place (20%) - clean credit record (score 999) - salary 55k exc bonus (10-20%) - credit card debt of £7,000 (£15k available), on 0% until next May, will be paid off by then, no more spend on it. Plan would be…
Shared ownership mortgage, poor credit history
Hi guys I'm now near enough debt free and in a position to look for my first home buy. I have a poor credit history, the odd ccj, from when I was having a bad time of things a couple of years ago. I'm now in a pretty healthy position but looking for a mortgage for a shared ownership property, do you have any advice of what…
Better chance of mortgage through current bank?
I'll be wanting to get a mortgage in the next year or so. I have no real credit history and am not on the electoral role, and this is unlikely to change due to work cirumstances. However, my bank has a very long history of my savings and accounts, always with a good wage going in and recently a credit card. However, they…
Some advice please...
Apologies in advance, but I may well be asking some stupid, obvious questions here born out of naivety. <Bit of boring, possibly irrelevent, background information here> My husband and I are in our mid thirties, with two young children (one school-age, one baby). We currently own 25% of a shared ownership property and have…
Worth applying for a mortgage yet?
Hi My boyfriend and I are currently saving for a deposit but want to apply for a mortgage and see what we can get. He has recently been turned down for a loan and a phone contract, will this have a major impact on what we can borrow, and will we need a larger deposit than usual? If so, what sort of percentage? He earns…
Looking to re-mortgage
Hi Everyone, I'm new to these boards, and am looking for advice on whether it is possible, given my circumstances below, for me to re-mortgage my current property. Current Situation I own a 2 bed property jointly with my partner, which we've had for around 6 years now. Unfortunately, we are separating :( . Before we go…
Buy-Let-Let And Residential Mortage
Hi, I currently have a mortgage of £94k on a Property valued at £145k, I want to rent this property out and buy another property with my partner who also has a mortgage on her property. We would like to sell her property to fund the purchase on the property that we will both live in. What implications does switching my…
Sell my endowment...or not?
Looking to fund some house renovations and I would like to cash in/sell an endowment. I have spoken to my Insurance company - Phoenix, who have told me the current value should I surrender it. It still has 6.5 years to run. Would you be able to give me a bit of advice of whether it's more wise to just cash it in with…
No Fee No ERC
Hi Are there any no FEE no ERC interest only mortgages on 75% LTV ? Cheers
Credit problem
Hi, Jeez, I have been round the houses with this one and if anyone can help, that would be great. I recently tried to get a mortgage through Accord, but unfortunately my credit check failed. It was because an account in my name defaulted three years ago. However, the account was linked from an address I lived at, to an…
Lloyds TSB Cheltenham & Glos mortgage promise
I haven't been able to find anything on the site about this disgraceful climbdown by this lender. They offered a guarantee that their variable rate would be 2% above base and thats why I chose them. They are now saying when you remortgage (including going on to a different deal when your current deal ends) this will no…
Can a mortgage be transferred between properties
I have an excellent mortgage on my current house (base + 0.5%), and I doubt very much that I would be able to get a better deal elsewhere at the moment. If I were to move house (upgrading to bigger property) would I be able to transfer my existing mortgage to the new property? Ideally, I would like to transfer the mortgage…
No job with a mortgage
Good morning, I have been out of work for a few months but have been able to keep paying my mortgage without a problem. I recently got married and my husband contributes. The mortgage is in my name and is coming to an end soon. I want to start a new mortgage with a new bank that has cheaper monthly payments. If I declare…
Applying for a mortgage soon
Hi Guys I will be applying for a mortgage soon, hopefully within the next three months or so. I earn a good salary and have a deposit saved so not too worried about that. I am going to check my credit files to make sure there is nothing hidden there but there is no reason for there to be. I have a car loan that is just…
Overpayment nationwide
Hello in june i have paid more than £500 pounds overpayments i had no letter of nationwide does anyone know when this happens ie i paid more than 500 and then my mortgage went out. I have just checked my account online and still saying junes mortgage amount ie how much i will pay in june thanks for advice

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MSE News

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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Base rate held at 4.25% – here's what it means and when it might be cut next
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
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