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Best way to find a mortgage adviser - Leicester
Hi all, I live in Leicester and want to get an independent mortgage advisor. Where's the best place to look / can anyone recommend one? Thanks. AMO
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2nd charges
if a brewery has a second charge over a persons property on which they have a mortgage are they able to insist the occupier sell their property to pay the money back? Or would the first charge, the bank, just say no as the customer is paying their mortgage and 2nd charge.
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Mortgage Monitor
I had a good read through the Mortgage article on the website and decided to try use the Mortgage Monitor broker They seem to be professional and provide a good comparison on rates, However I am abit wary of forwarding sensitive information to a company that has been formed in 2010 with no prior reviews.... has anyone else…
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Consent to Let - Halifax
Hi, Hoping someone might have some useful advice for me. I currently have a 1 bedroom flat mortgaged with Halifax, with my existing deal due to run out next year. My partner and I are trying to sell our flats with a view of getting a house together, but struggling to get buyers. I'd like to let out my flat and move into…
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Best brokers for director / self employed mortgage?
Hi there, if anybody could offer any advice as to the best type of mortgage broker for my situation then that would be great.... I work for myself and the company is a limited company, I'm one of two directors. One broker I spoke to said that I would need to provide the company accounts, there are only two sets so far…
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Remortgaging with current lender (Santander) - waive £100 transfer fee?
My mortgage product 'expired' in October 2009. Since then, I've been on their SVR of 4.24% holding out for a reasonable 5yr fixed rate. I'm still waiting. :doh: I've just got off the phone with Santander and they have offered a 4 year fix at 4.49% with just an arrangement fee of £100. Using a spreadsheet I got from this…
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need to confirm new landlords' identity from one of his mortgage lenders
I need to find out a landlords' real address - he has a mortgage with natwest, the others are with private individuals who may actually be him runnign under fake ids at empty properties - I've been duped and am concerned that he is a former bankrupt with bogus ID. Police, council, even shelter are not interested, neither…
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Mortgage broker
Hi My fixed rate mortgage is over in Apr. I want to start looking to get a mortgage in principle, 6 months before my fixed date. Can anyone recommend whole of mortgage broker who charge no fee. Many thanks Andy
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What is the cheapest fee for a mortgage (non owner occupied)
Just seeing if anyone had any good ideas for low fee/ no early repayment mortgages for a second home. This is not strictly buy to let but it is not my main home. The situation is that I have just finished doing up my old flat and am probably going to sell it. Trouble is I have maxxed out a few credit cards and borrowed…
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Raise deposit for our family home?
Hi - first post - so bit scary. We are a family of 5 living in a 3 bed terrace. We would like to move into the area where our eldest has just started school. We currently have £55,000 o/s on our svr mortgage and been valued at £139,000. We have seen a fab house which is a probate sale so needs a bit of work up for £200K.…
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Help me please
I have 3 years self employed books showing income 50k then 75k then 100k but for tax reasons went ltd less then a year ago Have found a house I want to buy for 250k Mortgage broker told me all would be fine Found a house but it's a new build Do not have more then 10-15% deposit Now told can't get a standard mortgage as…
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Barclays want to charge me 20%
I took a loan from Barclay's 4 years ago, as a result of the downturn in the markets they now say that my properties do not measure up to their criteria. Their early repayment charge is 1% plus something they call a 'breakage charge'. This is referred to in their agreement and consists of one sentence, there is no…
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Ltv
Hi, I'm currently getting hammered by my mortgage. I bought the house 2 years ago & paid £149,950 - borrowing £104,950 (£45,000 deposit). Initially the rate was 4.5%.. it stepped up each year.. and this year it's 5.99% - which I could just about afford: £628 a month. However, I've been asked to take a pay cut at work.. so…
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Porting a Mortgage Problem!
I would apprecaite any help you guys can offer.......... 14 years ago, I voluntary handed my keys back, this was due to being unable to sell the house and heavy negitive equity. I did however repay the shortfall and had the debt marked as 'satisified' After renting for a period of time, I have had a mortgage for over nine…
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2 or 5yr fixed rate?
My fixed rate is coming to an end this month & my current lender has offered me some quite good deals, I can't find anything to beat it anyway. 2 year fixed rate at 3.79%, or 5 year fixed at 4.89% with a £199 fee for either. Is the base rate going to increase that much in the next 2 years, which opition would you go with?…
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Worth Keeping LV Policy?
Hi Guys, I must admit to not understanding all this with profits policy lark! We took out a LV policy when my daughter was born intending it to mature when she is 18. She is currently 16. I am paying £21.66 a month so approx £260 a year. However the "Current Value" on the annual statements is not going up as quickly. In…
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HELP PLEASE Missold endowment before April 1988
Hi there I was hoping beyond hope that there might be someone who could give me some advice. I was missold my endowment policy in February of 1988. I have had regular reports from the insurance company over the years it was only for a small ammount of £8500 originally and I have paid every month. I have known for sometime…
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Mortgage for French property
Ok I have got myself in a mess well and truly. I have been living in France for 2 years & not worked - lived on savings and credit cards and have stacked up £63K of debt ..yes I know I have been dumb and now I need to wake up & smell the coffee! Right ..so £43K in credit card debt and a loan of £20K ..repayments £1051 per…
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Repossesion looming
Hi, I won't go into all the in's and out's but basicaly we have to sell or face the possibility of being repossesed within the next 6 months. My question today is (I would prefer fact rather than speculation please) we have a possible buyer at the momment so fingers crossed. We are in a fixed rate until December and have a…
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fixed mortgage term coming to end, what to do now??
My 3 year fixed deal is coming to an end on 01/11/10....currently my intrest rate is set at 6.95%. If I stay with the product I have I will be charged 2.09% abovve BBR (which I believe to still be 0.5%?!?) so effectively 2.59%...I have no idea how safe an option this is??? Does anyone know if the base rate is likely to…
