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Mortgages & endowments

Archives for September 2010

Move now or wait?
Hi I am new! I was hoping to get some opinions please. We have a fixed mortgage deal that expires at the end of April next year. We are wanting to move home soon as we are wanting to have another baby. So should we start the process of putting the house up for sale now in the hope it sells so we can take advantage of the…
advice needed please
Hi, I really could do with some advice; our situation is a bit complicated but I will try explain fully. We moved in with my father in law to care for him and he has now sadly passed away. The house has been left to my partner and three other siblings to be sold and the money divided equally between them. Approximately…
mortgage with bad credit history
Hi I got in to debt 3 years or so around £3000 give or take, I Have now paid it all off this year everything. but i wanna get a mortgage. we have the deposit and my partner has a clean credit history. DO you think I will be aloud a mortgage??
Joint Mortgage but Im the only one paying
What do I do now?.......... My wife and I split in March we have a joint mortgage and a secured loan. My problem is my wife refuses to pay any money for the mortgage or loan, even though we are both liable. We both live in rented flats with our new partners. She doesn't want to live in the house and I can't move back in…
working out income for mortgage app
hello hopefully in a year or so my partner and myself will be applying for a mortgage. By then we will have a 50 - 60 % deposit of the sort of house we want to buy. I have been self employed for a year, although ended that in favour of starting a Ltd company this year. By partner and I both draw minimal salaries from the…
Can i get a mortgage?
Hi everyone, could someone please tell me if Im wasting my time on looking for a mortgage, my credit history isn't great but i do have 50% deposit do i stand a chance? thanks
First time buyer mortgage query
Hello! My wife and I are thinking of putting an offer in on a house we have seen. I am now looking around at the mortgage market for possible products should our offer be accepted. I'd appreciate a bit of advice from some more experienced property buyers out there! The best product I have found is HSBC's lifetime tracker…
Mortgage Litigation Problems
I own a 75% share in my property though a housing association. I phoned Santander today and asked if I could borrow more on my mortgage to buy the other 25%. They turned me down as I went into Litigation over 5 years ago which nothing came of as I paid off my debts. The problem I now have is, if I were to sell the…
remortgage
if you had paid in full for your mortgage & a year later you wanted to remortgage for 80% would that be easy to do ?
remorgage and benifits
I have a mortgage of £31,000 with 20yrs left to pay my home is worth £115,000. I am looking to remortgage an extra £10,000-£15,000 as my bathroom and kitchen are in a state of disrepair, The problem is I'm on benefits as I am a full time carer for my son, I have 4 children. I also don't think I have the best credit score…
help
hello people I would like some advice could anyone tell me what kind of mortgage i can get and which would be the best In 2003 i got into debt to the tune of 27k.Everything was payed off in 2009.Now having looked at my credit report i see i have 2 defaults on it one ends in feb2011,the other 2015.Now my bank account just…
Mortgage advice
I currently have a mortgage of 54k over 24 years on a property worth 120-130k. This is on a 5.7% fixed rate until January 2012 and I pay £350 a month. Me and my girlfiend have found a new build home that we want that would set us up for life. The property is 250k. Combined with money saved of 20k and the profit made if i…
MSE News: Support for mortgage interest benefit cut by thousands
This is the discussion thread for the following MSE News Story: "230,000 struggling householders will see state handouts dive by a typical £3,700 a year from October ..." Read the full story: Support for mortgage interest benefit cut by thousands
Mortgage Porting problem
Hi I have searched other posts but each porting case seems different and generally it looks like besides appealing or changing lender there is nothing you can do I took a 0.47% tracker 80% LTV Jan 09 for £259k they valued property @£325k and was told it was portable if I needed to move earn about 55k so think they gave me…
Norwich & Peterborough (N&P) tracker mortgage rip-off
I have a tracker rate mortgage from Norwich & Peterborough for a Buy to Let mortgage. They had written several months ago to say that they were changing my tracker rate mortgage from BOE+0.99% to BOE+3.4% N&P are a total rip off and and they have increased my tracker rate mortgage, they point to some convoluted clause Have…
dubious various interest rate mortgage help please
Hi We have a mortgage which we received a mortgage offer showing an variable interest rate of 6.9% in 2005. It is a variable rate mortgage which we have been paying an interest rate of 10.9% for at least the past three years. We have never received a copy of the finalised mortgage agreement. We have never recieved any…
Is it possible to get a mortgage on a house I own outright?
Might be a strange one here... I own a house outright having borrowed a bit of money from my parents to cover the full amount without needing a mortgage. Now is the time to pay them back and I called a bank to ask for a quote for a mortgage - they said they could not offer me a mortgage as they did not know who the money…
Halifax Online Banking Mortgage Account
Hi All Im not here to complain about Halifax's woeful support on their online banking service for mortgage accounts, however, I am a little concerned that my mortgage payment has gone out of my Halifax current account, yet my mortgage has not been credited with it, nor the £50 overpayment we have made... Does it not…
Valuation problem with 1920's flat
I'm having a few issues with a remortgage valuation on my property..... Situation is that i'm buying out my ex. Property was purchased in 2008 with a Santander mortgage. Valuation was fine. We renovated the house that year. Getting a mortgage is not a major issue as I earn enough and have am putting in a chunk of money to…
Mortgage payment break and benefits
Hello all Just been made redundant and considering taking a 3 month payment break before moving onto interest only payments with Halifax. I plan to claim Job Seekers allowance immediately and know they pay interest on mortgage after 13 weeks. My question is will they still do this if I have been on a payment break for my…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Mortgages & endowments

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