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Remortgae to the Britannia?
thanks for the help recieved it is very much appreciated. thank you again.
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Solicitors Fees
Hi, Simple question i think. Are Solicitors fees paid before or after completion? Do they take their fee from the deposit money? I.E do you have to transfer enough for the deposit plus their fees to their account at exchange? Can they be paid by credit card? (only useful if after completion). Thanks
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where to start?
Hi all, i have been reading lots of information on this site and feel i may have overloaded/confused myself! Me and my partner are looking to buy our first home soon, we have a deposit and money towards fees, although unsure of the max amount we would need to make sure fees are covered and when these would need to be payed…
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Help Please buy to let mortage
Ok so to be blunt I got royally shafted on my original buy to let mortage which was fixed for two years. That ended and with the market collapse I am on the standard variable rate. My rent doesn't equate to half the mortgage payments and I am managing just. With no to little buy to let on the market, and with the flat in…
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Mortgage up for renewal - get a new short or long term deal???
Hi, My wife and i are due to have a child soon and therefore lose 1 income for the forseeable future, our fixed rate mortgage is also due to end in August and i am keen to ruduce monthly outgoings as much as possible. I have seen a 2 year fixed rate for 3.59% (saving us £200 a month on current deal), but my father in law…
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Mortgage on a flat over 4 stories
I've had an offer accepted on a flat in a building that is over 4 stories high. I've been trying to get a mortgage offer through a broker who has told me that it's difficult to find good prices because many lenders will not give a mortgage on a 'high-rise' property. Has anybody else had a problem with this, and does…
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Does anyone know a good trustworthy mortgage broker
Need to remortgage to off load some of my credit card debit into the equity of my house as min payments are never gonna pay it off. Thought a mortgage broker could do some of the leg work for me. Question is can anyone recommend a good one that they have used. Thanks.
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Mortgage Age Discrimination
Is it "Age Discrimination" for a lender to stipulate a mortgage has to stop at say 70? If the borrower's income is the same after 70, why should that be a problem? Interestingly the Co-op have not replied to a letter asking them to justify their policy! Chris
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Help with French Property?
I own a property in France and due to losing my job in the UK, I have no way of paying the monthly mortgage payments. I am now a number of months in arrears. I am looking to sell the property, though I know that it is in negative equity. Subsequently if this sells and I still owe a sizeable amount with no way of paying…
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Equity Release lifetime mortgage confusion
My mother took out a Lifetime Mortgage Equity Release plan through Aviva when she was 56, she is now 63. She 'released' £40,000 and her home is now worth about £270,000. At the time I wasn't on good terms with her so my brother helped her out with all this. I am still not able to talk to her about this but she does mention…
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problems getting a decent Mortgage with LTV 25%
I seem to be in a unique situation that brokers don't really seem interested in sorting me out a mortgage. I want to borrow £45,000, £31,000 for the mortgage and £14,000 for renovations the house is worth around £180,000 now. Because of the small loan it is cheaper for me to go for a slightly higher rate with no £995 set…
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Best way to search online for Mortgage deals
Hi, Does anyone know of the best place on the internet to search for mortgages by loan-to-value? All of the ones I can find just do it by tracker/fixed/discount and therefore all have the 60% LTV ones at the top, and it is really hard to cross compare ones which have fees against ones that don't, and ones that revert to…
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Over payment advice
Hi there I previously posted this as a reply as I am not quite myself, read on and you will see why.....................................:mad: I overpaid my mortgage for 3 years, and today we accepted an offer on our house. I called our mortgage provider to enquire what my actual balance was and they commented that we had…
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Re-Mortgage Required but have CCJ's and arrears 6 months ago
Hello guys, long time no see! A family member has a bit of a problem and I thought here may be a good place to get some advice. So, she has a house worth around £130k. Currently has a mortgage for £32k about 7 years left paying £400 a month. Bills and debts have mounted up and an urgent cash sum of around £10k is required…
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Adding to existing mortgage or new one? - options?
Currently the house is in my husbands name (it was his house before we met and married). We want to take some additional borrowing for home improvements and we won't be able to do this with just my husband on the mortgage so we want to add me to it (as I will start full time work soon). I am wondering if it would be better…
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Mortgage repayment help
I have posted this on other sites to no avail I thought I could get some advise on here too. Mine is a long story but my main problem is Im after some cover to pay off my mortgage in about 15 years time. I had an endowment but had to cash it in a while back to sort a family problem out. My main intention was to sell my…
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Is there a point beyond which your house will not be repossessed?
My property is 210'000. I have 11000 left to pay. As I'm currently unemployed there may come a time when savings are exhausted and I can't pay my mortgage (unlikely but looking at a worse case scenario). So would I be repossessed for such a small amount?
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Need help and advice!
Hi, I'm new to this forum so I hope this is the right place to post my question/situation. We currently live on a top floor flat with an 8 month old baby and so are desperate to move. We bought the flat for £182k in Sept 2006 with a 95% mortgage. Our current total repayment figure is £167k. Today the flat was valued at…
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Renovation remortgage
Just a silly question but i have had a remortgage accepted for renovation purposes.....the money will have to go into some account, is it the normal thing to ask it to go straight into my current account? should i set up another account just for the remortgage? Will they mind what i spend the money on? i will need to pay…
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Should we overpay monthly or lump sum?
Hi We have 11 years left on our repayment mortgage (fixed at 4.89% until April 2011) with an outstanding balance of about £52,000. DH is hoping to retire (early) in 2014 and use some of his lump sum to pay off the outstanding balance on the morgage. The question is... do we overpay monthly from now, or save up that monthly…
