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For sale HTC 4G MAX-$300,Apple Iphone 3Gs 32GB- $300,BlackBerry Curve 8900 --$300
Our best Offer is as below. BUY 2 GET 1 FREE PLUS SHIPPING INCLUDED BUY 5 GET 2 FREE PLUS SHIPPING INCLUDED BUY 10 GET 3FREE PLUS SHIPPING INCLUDED Interested buyers should contact us directly on: Email: wclintonelect@yahoo.com wclinton85@gmail.com Apple Iphone 2G 4GB ----$180 Apple Iphone 4G$250 Apple Iphone 3G 8GB…
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Self employed mortgage help needed !
Hi Guys Myself and husband both self employed and trying to sort out a mortgage to get on a better rate currently on 5.19% this runs to jan 2012 but would like to remortgage now and pay exit fees, one to reduce rate and two to borrow a little more to consolidate some things. Have 2 years audited accounts but after my…
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Is it Possible?
I have a unsecured loan and my mortgage with Halifax / Bank of Scotland. Can I transfer the amount outstanding on my loan to my mortgage and pay this off over the remainder of the time left? I want to make one payment to HBOS rather than two seperate. Thanks for your responses!
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Underwriting
Hi Over the last year or so I have had a number of mortgage applications turned down by underwriters after each time being accepted in principal, once after the survey had been completed. As usual, there is no feedback from the underwriter which is very unhelpful. I have been trying to work out the problem and think it may…
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Buying with Father
I am thinking of buying a house with my Father but concerned over how much we will be able to lend, our chances of being accepted for a mortgage and the length of time we will have to repay. I am 35 and earn £23000, my father is 58 (retires at 65 and will have a pension) and earns approx £30,000, we will have a £35k…
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Alliance & Leicester - I am so angry (long, sorry)
Im looking for a bit of advice. Last year (Sept & Oct) I paid my mortgage by debit card a couple of days after the date the DD was due. I had pre-arranged this with them as OH's pay went in the day after. I have two accounts (my main account (01) and some additional borrowing on mortgage (02)). Anyway, when I made the Sept…
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How much can i borrow?
Hi We're thinking about moving but the OH went bankrupt in '08 so will just be applying for a mortgage in my name. I earn 35k which gives me 2k per month. £1600 of that goes on mortgage, bills, food, petrol & all direct debits, everythings covered. I average between £200 & £500 a month overtime on top of the 2k and the OH…
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Mortgage Process
Hi Just some clarification am i right in thinking the below the lenders will first check if you are valid for the mortgage and then survey the house you are wanting to buy??? or theres not actually an order for what they check first, validity of mortgage or house valuation?? Thanks
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mortgage & conversion of house & tax
posted a thread here before but for some reason noone replied. I'll try to make simpler. I have a freehold house and am converting to flats. I live here. I have a mortgage of 230k and house worth 480k. Worth significantly more as 2 flats. I have planning permission to do this. Existing mortgage tied in 2 years. Need to…
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Northern Rock Assets Management Variable Interest Rate
I have recents gone on to Northern Rock's variable interest rate (despite being on a variable interest rate previously, which was much lower). The intrerest rate hike is to 4.79%, which means I nearly have to pay £500 more a month. This seems grossly unfair when essentially this is being imposed by the government. I am…
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time to re-mortgage few Qs re 'vaule of house'
Hi all, just hoping someone here can advise/help answer my Qs Bought my house 3 years ago for £120k, was up for £145 but we know the vendor and he was willing to take the knock for a quick hassle free sale as he was moving with his job.When i bought the price was very competative for the area as it i about 15k spending on…
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MSE News: Nationwide - house prices edge up in May
This is the discussion thread for the following MSE News Story: "A shortage of properties on the market continued to push typical values higher, figures show today ..." Read the full story: Nationwide: house prices edge up
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Transfer of mortgage from joint to single owner?
Hi, Is it possible to 'transfer' a mortgage from a joint mortgage to a single one? That is, to transfer it with the same conditions, etc. but just to one of the parties? Furthermore, is it possible to subsequently add someone new to the same mortgage at a future date? Thanks.
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mortgage rates
because my husband is a subcontractor, we hae had to go with Alliance + Leicester with a broker. We are going for a fast track and our two options are as follows........ 2 year tracker 2.89% or 2 year fixed 4.99% i had opted for the tracker as there is a full 2% between the two and I was under the impression rates would…
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Flexible mortgage for new house whilst waiting for old house to sell?
We have been on the Market for just over a month with no offers but quite a few viewings on our present house. We love another house and don't want to lose it after getting an offer accepted (the sellers pulled the house off the Market until this week to give us a chance to sell). Thinking about pulling all our savings and…
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conversion house to flats and existing mortgage!!help!
Hello, I'm tied in for 2 years into existing 230k mortgage on a house valued at 500k. I am getting planning permission to make into two flats to sell flat 1 and live in flat 2. Flat 1 worth 280k on sale and flat 2 worth 350k. Therefore I pay off my mortgage on sale of flat 1. I have a loan from my parents for the…
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Credit shows as excellent but being refused a remortgage due to adverse credit
Hi Can anyone help, We are having trouble remortgaging due to adverse credit but we have checked our files and the only black mark i'd 1 missed payment 6 months ago for £30 both our scores on credit expert are over 990 so why are we being refused on these grounds is it possible there seeing something where not?
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How much am I likely to get lent?
Looking at houses around £110k-120. I'm a teacher with a stable income of £21k this year and rising to £23k in September, in a secure post. I can definitely put down 10%, possibly up to 15% depending on exact price. My Experian score is 999 - I have no unpaid credit cards, no unsettled overdrafts and no loans beyond my…
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Parents splitting up, can I take over the mortgage?
I would really appreciate any help and advice that anyone maybe able to offer me. I currently live at home with my parents who have decided to split up and go their seperate ways. I'm not too sure of all the details but think that the house is fully mortgaged, this was done so that 2 buy to let flats could be bought, they…
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First time buyer, big deposit, use it all or not?
I am a single guy with a perfect credit score, I am looking to purchase an apartment for £150,000. I have £82,500 in ready available savings and £40,000 in a two year ISA paying 5%. My salary allows me to lend a £60,000 mortgage. What is my best option of purchasing the apartment, should I use my tied up savings as well…
