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Advice please for mortgage
Hi I hope someone can help me please. My dad has sold his house and offered (accepted) on a bungalow, he has enough money from the sale of his house and my recently deceased nans house to pay of his mortgage which is £9200. The new bungalow needs quite alot of work doing to it we dont know how much yet as there are a few…
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Remortgaging with Britannia - will they need old bank statements?
Hi all - as the thread title says, I'm thinking of remortgaging with Britannia soon... are they likely to request old bank statements as part of the process? Can't find any of my old ones - so I'll have to get my bank to send copies... unless they'd accept printouts from my online banking? Thanks,
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Has LIBOR RISEN
Got a letter this morning stating that my mortgage payment will be rising due to the incease in LIBOR 0.71% is this correct Ray
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increasing mortgage, please help
In order to pay off credit cards and loans we are trying to increase our mortgage. BS originally offered us £38k which is just what we need, based on an estimated valuation but subject to a survey. The survey valuation has come back at around 13k less, the BS say that based on this, they could only lend £27k but because…
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New to this - Mortgage advice needed
* I am reposting this post in a new thread with a different subject as couldn't get any replies from the forum members. Hope someone will be kind enough to reply this time aroundn. * First of all, new to the forum so HI ALL and please be gentle :o Right, Mrs and I have finally decided to buy a house :j and have viewed a…
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Mortgage Application
Hi, I have recently applied for a mortgage with the Northern Bank and have received a conditional offer, however i have now sent of the statement, pay slips etc to confirm the details discussed during the intial interview, however when gathering the bank statements i noticed that for 2 of the 3 months i used the arranged…
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Re mortgage
I am due to re mortgage in October this year. Unfortunately I have got myself into some debt. I wish to re mortgage early and have only been in my job for 3 months. I need 110,000 mortgage and am a single parent earning less than 20,000 pa. Any adobe welcome as I have been ripped off in the past. Thanks
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No Credit Score 75 LTV L&G Mortgage
Hi I have a terrible credit score and have given up on the idea of ever beng able to get a mortgage until i came across this product from Hanley Economic offered though Legal and General. I am tackling my debt now and im on a debt management plan of £103 per month (for 3 years) and a credit card debt of £1400 which im…
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First time buyer with decent deposit (a few questions)
Hello, Originally posted in the wrong part of the forum, so apologise for that... I will try and give some background before i start asking the questions so you have the full scenario. I have been thinking about buying for a while, but never had a *need* to buy. My partner and I have been saving over the years and now have…
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Mortgage advice needed
Hi everyone, My partner and I currently have a 5 year fixed rate mortgage with Natwest which we are halfway through. We have an awful rate due to us borrowing 100% of the property value. We are frustrated at having to pay out a massive amount each month and were wondering if there were anyway of approaching Natwest to…
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Post Office interest rate change before buying
Ignore this I was looking at the wrong LTV.
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Which lenders offer HomeBuy mortgages?
Asking for a friend. Google has no answers 20 minutes after searching. Their mortgage broker has told them there are only 4 companies they can go with. They've told me some other stuff about their mortgage broker (an independent guy) which makes me think he's dodgy, so want to clarify if there are more than 4 lenders that…
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how can i use savings to fund a mortgage
I guess I shoud just ask the Nationwide but its sunday so here goes I have £84k in Nationwide's FRISA, how an i use this to obtain a mortgage without withdrawing the capital - in other words do Nationwide do offset mortgages? cheers fj
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Mortgage Overpayment guidance
Have two mortgages with C & G for the same property. One for £230K on SVR of 2.5% and the other for £78K at tracker rate of .29% above base rate for duration of mortgage (currently .79%). Both are repayment mortages with 14 years left. Can afford overpayment of £500 per month with no penalties on either mortgages. Could…
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Fixed Mortgage coming to an end what should I do?
My fixed term mortgage is coming to an end in September (5 yrs) and my broker has called me to arrange a time to visit. For the last year my sister has benefited from not being on a fixed term mortgage to the tune of £300 a month (low interest variable rate). Should I meet the advisor and go on a fixed rate approx 4.0% or…
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Mortgage with Debt but Good Credit Score
Hello, Just a bit of background. I have posted a few times over the past couple of days under a couple of different names. The reason was I was hiding debt from my partner and wanted to get a bit of information without him knowing. I came clean yesterday (you can see the thread on the DFW forum) and he knows everything and…
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Mortgage, AIP, credit search: advice and thoughts
Hi all, I am in need of a bit of advice from the experts... Basically I am "thinking" of buy a house (FTB), even though I am awaiting for the emergency budget this week, etc... 1 ) Do I really need to find a financial advisor/broker or is it just a matter of searching and researching online and doing your maths - I am…
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New to this - first time advice required
After having a really tough financial year last year due to the recession, I beleive and hope this year will be better as I am getting more and more work from clients. I believe im at a time in my life where I need a place of my own - my own house. having no knowledge about the process, proceedings or anything i would like…
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rEMORTGAGE - Does a mortgage deed have to be signed
Hi , I recently applied for a remortgage to a new deal with another lender. since then we have gone under offer on our home so i didnt return the mortgage deed to the lender (the deal is no longer available and not tfr'able to new property). they normally write to chase me every 2 weeks and the initial completion date has…
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New build 85% LTV other than Nationwide?
Hi All, Just wanted to ask any IFA's....(or anyone really!) if you are aware of any providers other than Nationwide, Woolwich, Accord and Northern Rock offering 85% ltv on new build? Any ideas / info appreciated Thank you
