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Repossessed, but a happy ending
In June, we lost our house. We had just over 15k in arrears due to business problems caused by a couple of large invoices that we had outstanding. That wasn't the biggest problem. Our biggest problem was that we were dealing with Capstone (sorry for swearing). The day before the repossession was due to take place, the…
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any new build 90% mortgages
I know the bottom has fallen out of the new build market but are there any banks/building societies that will offer a 90% mortgage on a new build? If not what is the best mortgage I could hope for as a first time buyer?
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Mortgage application
Any advice would be so much appreciated please. My partner and I are looking for a mortgage. We have a large deposit, accounts and payslips etc but my query is about a CCJ I have on my report within the last 6 yrs. It was joint with my ex husband and I paid it in full. If I apply to the court for a certificate of…
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Mortgage madness
I am currently sleeing my house for around 325K and have a 97K mortgage on it. I am looking to buy a house around 250K and so reduce my mortgage to 50K allowing for all fees and expenses. Here comes the madness as I am self employed ( just staterted 2 months ago after a 12 month break so no income proof) I believe from…
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Comparison sites advice
I was thinking of looking into these sites. https://www.charcol.co.uk/ https://www.fool.co.uk/ Are they any good.. I think on fool they ring you back? How do they make their money? thanks!
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HSBC plus/advance linked to mortgage - can I cancel?
I opened a HSBC plus just to get a better interest rate on my mortgage 2 years ago. At the time I was told you needed a minimum throughput of £1000. I have not bothered with this, and just set up a direct debit to pay the 12.95 account fee every month. My Mortgage still runs for another 3 years but I can't see anything in…
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20 % Deposit
Morning, I would like a bit of advise really about purchasing the remainder of our shared ownership property. At present We have a mortgage for 40% and rent the remaning 60% and can 'staircase' up to eventually own the property. When we moved in the Flat was £129,000 it is now valued at around £110,000 so we thought it…
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fixed?
I am currently on a variable rate of 2.6%. I have a busy (expensive) few years ahead and am considering a fixed rate, and have figures of approx 4-5% over 5 years. Is this worth considering? I expect rates to rise but any ideas of how much? thanks
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Santander
Hi, This isnt a moan yet, but could turn in to one tomorrow. My Santander savings account doesnt display my name or anything on it, am i able to go in to the Branch to get them to certify the print out, or get them to print something out with my name and Savings account balance on to satisfy my Mortgage company? Thanks
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buying house from family?
will just be transferring name over, to save on fees etc. is it best to get a mortgage prior to transfer as first time buyer, or to wait till transfer then apply it as re-mortgage. thanks for advice
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Consent/buy to let remortgage & debt problems - help!
Hi there, My situation is getting rather difficult now. We own a property which we have rented out as we couldn't sell it (because of the recent depression). We have consent to let thru A&L which is great as it's on a cracking deal of 0.5% above the base rate which as you know is 0% ! The property brings in an income…
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help-fd refused mortgage-now what!!!!!!!!
fd have refused mortgage , despite initially saying that i would be able to get it. i have checked my credit report from experian and noted that i have no red marks only green ones. so i do not understand why mortgage application has not gone thru. also i have noted on the report that there are some searches carried out…
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remortgaging/refinancing?... advice needed
myself and my partner are wanting to buy a house abroad for renting purposes and retirement in about 10 years. We are both on relatively low incomes but having previously had a well paid job I own my own home outright (current value approx. £330k). The foreign property we want to buy is valued at £125k. My question is what…
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Buying out deceased share of property
Please can someone shed a little of their experience on my situation - I seem to be going in circles. Myself and my late partner owned our property outright as tenants in common. He died 2 years ago, and since then I have been trying to buy out his half, so I can ensure a home for our family. Unfortunately, he had other…
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part buy part rent mortgages
Hi me and my partner are currtenly looking to buy a 2 bed flat in brighton on a part buy part rent sceme, we have been accepted by moat onto there sceme, we went to see there recommended mortgage adviser, who slightly put a spanner in the works, we have 7200, deposit saved, which is 10% she had a list of 7 lenders 1 of…
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Please help! First time buyer, inexperienced.
HI, I would be grateful for your advice. I am a first time buyer and have had an offer accepted on a house. The bank have approved a mortgage in principal but appear to be taking their time to fully endorse the mortgage. I have just spoken to our broker who told me that the bank now want a full list of quotes and reports…
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Is it worth switching lender?
Hello We are moving home and would like advice on selecting a new fixed rate mortgage of £142,000. The purchase price of the new property will be £190,000 giving us around 25% deposit. We are currently have a fixed rate 4.50% on our existing property which ends in December 2012, for us to end early and move to another…
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The Next Step
We currently have a repayment mortgage with Preferred Mortgages on an 2 bedroom ex-council house set up through a broker on a LIBOR variable rate. Atm we are paying £190 per month at 3% with £34,000 reminaing and 20 years left to run. The highest the mortgage has been was 9% with payments at £390 per month. We both have no…
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First time buyers
It's been more than 2 years since I took an interest in mortgages & I was astounded to find out most banks will only loan 75% of the property value - I am curious to know how on earth first time buyers are financing the 25% they need (+ all other fees) to buy a property ??? I feel sorry for FTBs today because everything is…
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advice needed
Can anyone advise me how to obtain historic interest rates over the last 20 years. I originally had a endownment mortgage but have now switched to a repayment with the Halifax. I have made contact with Halifax, but I'm being passed from pillar to post. Hope someone can give me some guidance. Many thanks.
