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Putting another name on the mortgage
I hope this is the right place for this query. I bought my house a couple of years before I met my husband. He has now put a fair bit of money into the house with stuff we've had done; by my reckoning, we have spent equal amounts. The fixed rate comes to an end early next year and we want to take out a joint mortgage, I…
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100% mortgage
I know the title of this thread will send shivers down most peoples spines, however, I am currently renting a property and considering moving 'back home' to a cheaper area. I've found a 3 bed house for £75000 and after looking at my finances if bought I will be £500 a month better off than I am now. At the moment, due to…
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when can i get a mortgage?
My partner and i applied for a mortgage two months ago, (April 2010) we were rejected because of my debt on credit cards, i was finding it difficult to pay my cards off, they all went into arrears. i had cleared two of my cards by the time we applied for a mortgage but unforchantly the last one got sent on to a debt…
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Surveyor Sucks!! Help advice needed
My mortgage is due for renewal at the end of the month and since the middle of last month I have been dealing with a company, London & Country, through comparethemarket.com. I am limited to the type of lender I can use because of my property type (it is a steel framed house with a metal roof) and it is really only HBOS who…
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Syrveyor Sucks!! Help advice needed
My mortgage is due for renewal at the end of the month and since the middle of last month I have been dealing with a company, London & Country, through comparethemarket.com. I am limited to the type of lender I can use because of my property type (it is a steel framed house with a metal roof) and it is really only HBOS who…
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own half of the house
Dear all My farther passed away last year leaveing his house which is paid for to me and my sister.I had it valued at £75,000.My sister had it valued at £100,000.Now my question is how it can be so far apart when my valuer says it wants a lot of work doing on it.But my sisters valuer says its only cosmetic(eh).It wants a…
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SPML / Capstone won't help !
Hi, Is it easy to get onto an interest only mortgage with your existing company or do they have the right to say no?
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Renting a property as going travelling
hi, I am currently trying to decide if i want to buy a place or rent. I currently can afford to get a 90% mortgage however i intend to go traveling in 3 years time. I had thought that i might buy a property to live in for the next 3 years and then aim to rent it out while i travel for a couple of years. Does anyone have…
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Good offset mortgages?
Hi all .... just wondering if anyone can recommend an offset rate to beat First Direct? I'm rather liking their 3.79% with £99 fee... I'm looking for a fixed rate (rates are only going one way to my mind!) and can keep the LTV below 65%.... Thank you for your help :)
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HELP! Mortgage - temporary employment contract
Hi guys, My partner and I are looking to buy our first house together. We have a substantial deposit but as the property we have found needs some rennovation work we would possibly be looking at a 85-90% mortgage. We are FTB and have nothing to sell. My partner has recently started a new permanent job and is on £19000 per…
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Mortgage versus savings - advice needed
I have a flexible mortgage (borrowed in Dec 2006, £103,500 with 21 years and 9 months remaining) with A&L. My current interest rate is 1.49% The mortgage is interest only. My current situation is. Oustanding amount is £73354. Available credit in that account is nearly £30K (hence £73354 + £30,000 = £103,330 approx) which I…
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Brittania Refusal of extra lending - Appeal available?
Our situtaion is the following: - currently we (wife and I ) own a property we are renting out to tenants in North London on a fixed rate 5 year deal, with a 4K redemption fee at the mo. - We are currently living in Sussex in rented accomodation. - In April our long term tenants of 2.5 years left property in London and we…
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Halifax Consent To Lease Mortgage
I've posted on this subject before but cannot find the post hence a new thread. I have been presurised for over a year by the Halifax to sign up to a consent to lease (CTL) mortgage without having being provided with a KFI (Key Facts Illustration). They have now found out that their systems are not able to provide a KFI…
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Interest Only dilemma
Hi guys Just looking for a bit of advice with our mortgage. Currently on an interest only mortgage with ING direct which has a rate of no more than .89% above base rate. We owe £82k and the current interest each month is £95. We have now started making overpayments of £500 each month. Now here's the dilemma - do we stick…
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Redemption fee blues
Hi all OK I'll try and keep this short We have a mortgage with Northern Rock. 7 year fixed rate. Mortgage taken out on the 19th July 2003. We put our house on the market in Aug of last year and accepted an offer in January. Sold to a teacher who wanted to ideally work her year out so was happy to move in the summer…
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Nationwide mortgage applications
I know it is impossible to say how long our mortgage application (made Thursday 10/06/10) is going to take, but has anyone recently obtained a nationwide mortgage or processed one and could give me an idea how long they are currently taking to get to offer stage. Thanks :D
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I owe 70k worth of unsecured debt can i get a mortgage
I wonder if anyone can help.. I earn a good salary of over 56k per year.I owe 50k on credit cards with 20k on p/loans. I am moving house to help pay of some of the debt. I will have £53k equity when i sell my house, I am looking to deposit £20k on a £190k mortgage and pay off £33k credit card debt this will leave £38k…
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Advice Needed Please Help!
Hi, I am hoping someone can help me understand my situation. I took out a Northern Rock Together mortgage with a secured part of £140,000 and an unsecured part of £32,000 equalling £172,000. I want to move house and buy for a smaller value therefore decreasing my mortgage liability. My house is currently worth about…
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Right time to buy?
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whats a captal and intrest mortgage
ive been paying £415 a month for the last year and now we have our state ment i thought i would have seen roughly 5k wiped off our mortgage we have only got £2400 or so wiped of in a year, it says on our statement 3.99%fixed repayment type capital and intrest its was for a £56500 mortgage , its fixed for another 4 years…
